First Bancorp (FBP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Bancorp stock (FBP) is currently trading at $21.03. First Bancorp PE ratio is 9.57. First Bancorp PS ratio (Price-to-Sales) is 3.55. Analyst consensus price target for FBP is $24.64. WallStSmart rates FBP as Moderate Buy.
- FBP PE ratio analysis and historical PE chart
- FBP PS ratio (Price-to-Sales) history and trend
- FBP intrinsic value — DCF, Graham Number, EPV models
- FBP stock price prediction 2025 2026 2027 2028 2029 2030
- FBP fair value vs current price
- FBP insider transactions and insider buying
- Is FBP undervalued or overvalued?
- First Bancorp financial analysis — revenue, earnings, cash flow
- FBP Piotroski F-Score and Altman Z-Score
- FBP analyst price target and Smart Rating
First Bancorp
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FBP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Bancorp (FBP)
FBP trades at a significant discount to its Graham intrinsic value of $86.17, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Bancorp (FBP) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around peg ratio. Overall metrics suggest strong investment potential with favorable risk/reward.
First Bancorp (FBP) Key Strengths (7)
Keeps $46 of every $100 in revenue after operating costs
Keeps $38 of every $100 in revenue as net profit
99.79% of shares held by major funds and institutions
Trading at 1.64x book value, attractively priced
Strong earnings growth at 20.80% per year
Mid-cap company balancing growth potential with stability
Solid profitability: $19 profit per $100 equity
Supporting Valuation Data
First Bancorp (FBP) Areas to Watch (3)
Very expensive relative to growth, significant premium
Modest revenue growth at 6.90%
Revenue is fairly priced at 3.55x sales
First Bancorp (FBP) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 7 register as strengths (avg 8.6/10) while 3 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.64) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 19.00%, Operating Margin at 45.90%, Profit Margin at 37.70%. Growth metrics are encouraging with EPS Growth at 20.80%.
The Bear Case
The primary concerns are PEG Ratio, Revenue Growth, Price/Sales. Some valuation metrics including PEG Ratio (4.15), Price/Sales (3.55) suggest expensive pricing. Growth concerns include Revenue Growth at 6.90%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 19.00% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 6.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FBP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FBP's Price-to-Sales ratio of 3.55x trades 155% above its historical average of 1.39x (96th percentile), historically expensive. The current valuation is 14% below its historical high of 4.13x set in Jan 2006, and 8778% above its historical low of 0.04x in Nov 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Bancorp (FBP) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Bancorp is a mature, profitable business with steady cash generation. Revenue reached 915M with 7% growth year-over-year. Profit margins are strong at 37.7%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1900.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 37.7% and operating margin of 45.9% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 350.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Bancorp.
Bottom Line
First Bancorp is a well-established business delivering consistent profitability with 37.7% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Bancorp(FBP)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First BanCorp. The company is headquartered in Santurce, Puerto Rico.