First BanCorp. (FBP) Stock Score, Valuation & Financial Research
First BanCorp. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 58/100.
Quick answer for FBP
First BanCorp. currently has a Wall Street Score of 58/100. The stored market price is $28.11. Its financial score is 41/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What First BanCorp. does
First BanCorp., operating as the holding company for FirstBank Puerto Rico, delivers a broad spectrum of financial services to retail, commercial, and institutional clients. The company's operations are structured into six key segments: Commercial and Corporate Banking, Mortgage Banking, Consumer (Retail) Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment offers business financing, including commercial real estate, construction, and floor plan loans, alongside treasury and cash management services. Mortgage Banking handles the origination, sale, and servicing of residential mortgage loans, in addition to acquiring and selling mortgages in secondary markets. The Consumer (Retail) Banking segment provides personal financial products such as auto, boat, credit card, and personal loans, lines of credit, and
FBP financial snapshot
- Wall Street Score:
- 58/100
- Current price:
- $28.11
- Market capitalization:
- $4.29B
- Revenue:
- $1.27B
- Net income:
- $372.6M
- Free cash flow:
- $434.0M
- Cash:
- $559.6M
- Total debt:
- $200.0M
- EPS:
- 2.39
- P/E ratio:
- 11.8x
- Financial score:
- 41/100
- Valuation score:
- 97/100
- Revenue score:
- 29/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $434.0M, showing positive cash generation.
- The balance sheet shows $559.6M of cash versus $200.0M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 41/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research FBP
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.