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First BanCorp. (FBP) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$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

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 →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

FBP Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (FBP)

No recent open-market Form 4 cluster sales or emergency dumps flagged on FBP. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FBP Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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?

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.

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

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).

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

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.

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

Are FBP insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies FBP leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

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