Stock Ratings / Financials / FBP / earnings

WSFS (63) CVBF (71) INDB (69) CATY (67) ⌘ Pro Terminal →

First BanCorp. (FBP) Next Earnings Date & Expected ±4.3% Move

$26.70 +0.08% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $26.77

First BanCorp. (FBP) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 18% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate) →

ROARABLE B • BUY Cap $4.08B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FBP Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FBP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-01, First BanCorp. (NYSE: FBP) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $26.70 (+0.08% 1D, market cap $4.08B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, FBP ranks #55 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FBP compare to WSFS and CVBF in the Financials sector?

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Within the Financials sector (Major Banks), FBP carries a Roarable B (74/100 RQD), trailing P/E of 11.8x, gross margin of —, and ROIC of 17.5%. By comparison, WSFS (WSFS Financial Corporation) holds a C grade (63/100 RQD, P/E 14.1x, ROIC 10.5%, cap $4.05B) and CVBF (CVB Financial Corporation) posts a B- grade (71/100 RQD, P/E 19.1x, ROIC 12.9%, cap $4.00B). Among the 5-stock peer group, FBP leads on earnings multiple (11.8x) while FBP leads on capital efficiency (17.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FBP?

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Per FBP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001057706), First BanCorp. generated $1.00B in revenue (+6.7% YoY), $344.9M in net income, and $437.5M in free cash flow against $19.13B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $26.77 (+0.25%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 43.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+7.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FBP)Realized 20D OHLCV Swing Band: ±4.3%

Deterministic 5-Pillar Attribution (74/100 Composite)

🔍 WHY FBP SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (24% of score)

FRED Regime × Technicals: 70% of 52W Range • RSI-14 at 35.2 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$26.68+2.6% Next Q

Q2 (-2Q)

Grade B-$27.37+0.2% Next Q

Q3 (-1Q)

Grade B$27.42-2.6% Next Q

Current

Grade B$26.70+7.3% Hist 90D α

Trajectory: B- (66) → B (74)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FBP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, FBP faces multiple-compression risk if 11.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($27.34) or 200D SMA ($24.98) invalidates the momentum regime and cuts Target Base ($28.62) toward Bear Floor ($21.89).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FBP• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FBP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 74%NO 26%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.3% Swing Band

±$1.15 Expected Swing

MODEL EARNINGS SETUP GAUGE

FBP Quantitative Pre-Earnings Setup: 74/100

Trailing EPS: $2.26 • YoY Revenue Growth: 6.7%

Model Bullish Setup (74/100)Model Risk Weight (26/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$1.00B	$344.9M	$437.5M	52%
FY 2024	2024-12-31	$938.2M	$298.7M	$394.1M	52%
FY 2023	2023-12-31	$929.8M	$302.9M	$363.0M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating FBP & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on FBP
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

FBP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.97%📐 HORIZONTAL RANGE

2026-10-30O $26.80H $26.86L $26.09C $26.70VOL 1.67M

RES: $27.89SUP: $25.91SMA50: $27.34SMA200: $24.98

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FBP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FBP Butterfly Map → + Track FBP →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

2.2%/yr Implied 5Y Growth

vs. +6.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FBP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FBP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FBP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FBP)

Financials Rank #55 of 1096 ⚔️ WSFS vs FBP Full Matrix →

1. Head-to-Head Financials Peer Comparison (FBP vs. WSFS, CVBF, INDB, CATY)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First BanCorp. (FBP) ranks #55 by composite RQD confidence (74/100, grade B) and #310 by equity capitalization ($4.08B). Within this direct 5-issuer industry benchmark cohort, FBP leads on earnings valuation at 11.8x trailing P/E, while FBP leads on capital efficiency and profitability with 17.5% ROIC and — gross margin. FBP currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FBP ACTIVE First BanCorp.	B	74/100	11.8x	—	17.5%	+0.08%	$4.08B	Benchmark Subject
WSFS WSFS Financial Corporation	C	63/100	14.1x	—	10.5%	+1.12%	$4.05B	/wsfs-vs-fbp →
CVBF CVB Financial Corporation	B-	71/100	19.1x	—	12.9%	+1.02%	$4.00B	/cvbf-vs-fbp →
INDB Independent Bank Corp.	C+	69/100	19.0x	—	5.8%	+1.20%	$3.90B	/indb-vs-fbp →
CATY Cathay General Bancorp	C+	67/100	13.8x	—	10.8%	+1.07%	$4.36B	/caty-vs-fbp →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001057706

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First BanCorp. (FBP) reported GAAP revenue of $1.00B (+6.7% vs. FY2024 revenue of $938.2M , and +7.6% cumulative change since FY2023) , GAAP net income of $344.9M, operating cash flow of $448.6M, and free cash flow of $437.5M (+11.0% YoY). On the balance sheet, FBP closed FY2025 with $19.13B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.00B	$344.9M	$448.6M	$437.5M	$19.13B	—
FY2024 (FY)	2024-12-31	$938.2M	$298.7M	$404.1M	$394.1M	$19.29B	—
FY2023 (FY)	2023-12-31	$929.8M	$302.9M	$363.0M	$363.0M	—	—

3. FBP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FBP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does FBP compare to WSFS and CVBF in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for FBP?

Where is FBP trading relative to its 50-day, 200-day, and 52-week technical levels?

FBP last traded at $26.70 (+0.08% on volume of 1,801,785 shares), positioning the stock -2.34% below its 50-day simple moving average ($27.34) and +6.89% above its 200-day simple moving average ($24.98). Across its 52-week range of $19.24 to $29.88, FBP sits at the 70.1% percentile with a 14-day RSI of 35.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.3% ($25.55 to $27.85).

FBP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is FBP's next earnings date?

Based on SEC filing cadence, First BanCorp. (FBP)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is FBP stock expected to move on earnings?

Volatility modeling currently projects a ±4.3% event move for FBP, spanning a range between $25.55 and $27.85.

Direct Sub-Reports: FBP RQD Cockpit FBP 12M Forecast FBP Earnings & Move FBP Dividends & DRIP FBP Insiders & 13F FBP Whale Options FBP Profit Sankey FBP News & Why