First BanCorp. (FBP) Stock: Buy, Sell, or Hold?
FBP - First BanCorp.
$27.04
0.38 (1.43%)
▲
5d:
-0.07%
30d:
-4.86%
90d:
+2.04%
WAIT
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 22, 2026
18d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: FBP shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: FBP shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$33.40
Based on 5.2% avg growth
INTRINSIC VALUE TODAY
$20.74
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FBP is currently trading at $27.04, which is considered oversold relative to its 30-day fair value range of $26.96 to $28.22. The stock's valuation (Forward PE: 10.6) is in line with its historical norms (10.2). At these levels, the market is pricing in 1.3% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FBP is in a strong uptrend. The price is approaching resistance at $27.78. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FBP scores 77/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $31.57 (+16.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, FBP is in a strong uptrend. The price is approaching resistance at $27.78. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FBP scores 77/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $31.57 (+16.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$26.96 -
$28.22
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
89.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (77/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($31.57)
- NEUTRAL: Market pricing in 1.3% annual earnings growth - fairly valued
- WARNING: Composite score 52/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$26.96 -
$28.22
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$25.86
Resistance Level
$27.78
Current Trend
Strong Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.61
Wall Street Target
$31.57
(+16.8%)
Revenue Growth (YoY)
9.4%
Earnings Growth (YoY)
24.4%
Profit Margin
39.0%
Valuation Premium vs History
+1.3% premium
PE vs Historical
10.6 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.3%
(market-implied from PE analysis)
1-Year Target
$27.39
(+1%)
2-Year Target
$27.75
(+3%)
3-Year Target
$28.11
(+4%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$27.02
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 6.3%)
$62.44
(+131%)
Base:
(SPY PE: 10.6, Growth: 6.3%)
$32.48
(+20%)
Bear:
(PE: 9.0, Growth: 6.3%)
$27.61
(+2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.11 | Current EPS (TTM): $2.40
Bull Case
$31.14
(+15%)
Analyst growth 6.2%, PE expands to 12.2
Base Case
$28.31
(+5%)
Market implied 6.2%, PE stable at 11.1
Bear Case
$18.13
(-33%)
Severe decline -20.0%, PE contracts to 9.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 11:00 PM ET
Data refreshes hourly during market hours. Next update: 12:00 AM
Data refreshes hourly during market hours. Next update: 12:00 AM
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Technical Signals Check
Is FBP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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