FBP Stock Analysis: Buy, Sell, or Hold?
FBP - First BanCorp.
$28.52
0.30 (1.06%)
â˛
5d:
-3.97%
30d:
-1.14%
90d:
+18.05%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: FBP is fairly priced but lacks strong directional signals. At 3.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: FBP is fairly priced but lacks strong directional signals. At 3.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$33.08
Based on 5.2% avg growth
INTRINSIC VALUE TODAY
$20.54
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 10.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FBP is currently trading at $28.52, which is considered fair relative to its 30-day fair value range of $27.75 to $29.43. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.2) compared to its historical average (10.1). At these levels, the market is pricing in 3.4% 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 currently testing key support at $28.16. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FBP scores 37/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $31.71 (+11.2%). 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 currently testing key support at $28.16. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FBP scores 37/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $31.71 (+11.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$27.75 -
$29.43
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
48.6%
All Signals
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (37/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($31.71)
- NEUTRAL: Market pricing in 3.4% annual earnings growth - fairly valued
- WARNING: Composite score 49/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$27.75 -
$29.43
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$28.17
Resistance Level
$29.88
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.19
Wall Street Target
$31.71
(+11.2%)
Revenue Growth (YoY)
9.4%
Earnings Growth (YoY)
24.4%
Profit Margin
39.0%
Valuation Premium vs History
+3.4% premium
PE vs Historical
11.2 vs 10.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.4%
(market-implied from PE analysis)
1-Year Target
$29.49
(+3%)
2-Year Target
$30.49
(+7%)
3-Year Target
$31.53
(+11%)
3-Yr Target (if PE normalizes)
(PE: 11â10)
PE COMPRESSION
$28.45
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 6.3%)
$61.43
(+115%)
Base:
(SPY PE: 11.2, Growth: 6.3%)
$34.26
(+20%)
Bear:
(PE: 9.5, Growth: 6.3%)
$29.12
(+2%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.01 | Current EPS (TTM): $2.35
Bull Case
$33.66
(+18%)
Analyst growth 8.4%, PE expands to 13.2
Base Case
$30.60
(+7%)
Market implied 8.4%, PE stable at 12.0
Bear Case
$19.19
(-33%)
Severe decline -20.0%, PE contracts to 10.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 6:26 PM ET
Data refreshes hourly during market hours. Next update: 7:26 PM
Data refreshes hourly during market hours. Next update: 7:26 PM
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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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