FBP Stock Analysis: Buy, Sell, or Hold?
FBP - First BanCorp.
$26.64
-0.04 (-0.15%)
▼
5d:
+0.53%
30d:
+7.59%
90d:
+17.67%
HOLD
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 22, 2026
7d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FBP is fairly valued with market pricing in 4.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: FBP is fairly valued with market pricing in 4.0% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$31.43
Based on 5.7% avg growth
INTRINSIC VALUE TODAY
$19.52
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 9.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FBP is currently trading at $26.64, which is considered extended relative to its 30-day fair value range of $25.04 to $26.54. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.1) compared to its historical average (9.9). At these levels, the market is pricing in 4.0% 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 $25.05. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, FBP is in a strong uptrend. The price is approaching resistance at $25.05. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$25.04 -
$26.54
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
47.1%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($28.50)
- NEUTRAL: Market pricing in 4.0% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$25.04 -
$26.54
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$23.56
Resistance Level
$25.05
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.07
Wall Street Target
$28.50
(+7.0%)
Revenue Growth (YoY)
8.1%
Earnings Growth (YoY)
21.3%
Profit Margin
38.2%
Valuation Premium vs History
+4.0% premium
PE vs Historical
11.1 vs 9.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.0%
(market-implied from PE analysis)
1-Year Target
$27.71
(+4%)
2-Year Target
$28.81
(+8%)
3-Year Target
$29.97
(+13%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$26.81
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 7.4%)
$64.93
(+144%)
Base:
(SPY PE: 11.1, Growth: 7.4%)
$32.99
(+24%)
Bear:
(PE: 9.4, Growth: 7.4%)
$28.04
(+5%)
📈
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: 11.86 | Current EPS (TTM): $2.25
Bull Case
$31.40
(+18%)
Analyst growth 7.0%, PE expands to 13.0
Base Case
$28.54
(+7%)
Market implied 7.0%, PE stable at 11.9
Bear Case
$18.14
(-32%)
Severe decline -20.0%, PE contracts to 10.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 14, 2026 4:27 AM ET
Data refreshes hourly during market hours. Next update: 5:27 AM
Data refreshes hourly during market hours. Next update: 5:27 AM
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Technical Signals Check
Is FBP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Roberto R Herencia
SELL
4723 shares
2026-02-11
Michael Mcdonald
SELL
34122 shares
2026-01-28
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