MARKET WIREYahoo • 2d ago
First BanCorp.: 3 Key Takeaways for Long-Term InvestorsRising deposit costs are pressuring margins across banking, but FBP's repricing strategy offers a buffer.
Why FBP Stock advanced +0.08% Today — RQD Quant Desk Flash
$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.
ROARABLE B • BUY
Cap $4.08B
⚡ 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?
▼
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?
▼
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?
▼
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:
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
66
Q2 (-2Q)Grade B-$27.37+0.2% Next Q
69
Q3 (-1Q)Grade B$27.42-2.6% Next Q
71
CurrentGrade B$26.70+7.3% Hist 90D α
74
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why FBP Stock advanced +0.08% Today — RQD Quant Desk Flash
First BanCorp. (FBP) advanced +0.08% to $26.70, trading at 70% of its 52-week range ($19.24 – $29.88). High-quality cash engine (steady margins, 18% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 70% of its 52-week range ($19.24 – $29.88) with RSI-14 at 35.2 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.3% around $26.70 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $437.5M annual free cash flow.
Live FBP Headlines & Catalysts
CATALYSTSeekingAlpha • 4d ago
Dividend Announcements: October 17-23, 2026 (Part 2 Of 2)I track dividend announcements across 1,200+ stocks. This week, 42 companies increased their dividend, including two stocks I own.
MARKET WIRESeekingAlpha • 6d ago
First BanCorp. 2026 Q3 - Results - Earnings Call Presentation2026-10-26. The following slide deck was published by First BanCorp.
CATALYSTSeekingAlpha • 6d ago
First BanCorp: Easy Exposure To Puerto RicoSpeculative buy: First BanCorp offers Puerto Rico banking exposure, strong margins, dividend hikes, and buybacks.
MARKET WIREBenzinga • 6d ago
StoneX Maintains Buy on First BanCorp, Lowers Price Target to $32StoneX analyst Brett Rabatin maintains First BanCorp (NYSE:FBP) with a Buy and lowers the price target from $33 to $32.
CATALYSTSeekingAlpha • 9d ago
Dividend Champion, Contender, And Challenger Highlights: Week October 25Get a weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers, including dividend changes and key ex-dividend dates.
RISK WATCHYahoo • 9d ago
FBP Q3 deep dive: stable profitability and capital returns as funding costs risePuerto Rican financial institution First BanCorp (NYSE:FBP) missed Wall Street’s revenue expectations in Q3 2026, with sales falling 1.3% year on year to $245.5 million. Its non-GAAP profit of $0.63 per share was 7.1% ab
MARKET WIREYahoo • 9d ago
First BanCorp (FBP) Stock Shrugs Off Q3 Earnings As Legal Risks PersistFirst BanCorp entered this Q3 2026 report with a stock that had drifted only slightly higher over the past month and a 90 day return that was still in decline. Then the bank posted another solid quarter, with basic earni
MARKET WIREYahoo • 9d ago
First BanCorp. Q3 2026 Earnings Call SummaryMoby summary of First BanCorp.'s Q3 2026 earnings call
CATALYSTYahoo • 10d ago
First BanCorp. Q3 Earnings Call HighlightsFirst BanCorp. (NYSE:FBP) reported third-quarter net income of $96.1 million, or $0.63 per share, as stable credit quality and commercial loan growth helped offset softer net interest income, lower non-interest income an
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?
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
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 0001057706In 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 ENABLEDIs 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 × FREDWhy is FBP stock moving today?
Why FBP Stock advanced +0.08% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 18% return on capital) with steady institutional support.