US · FBP
First BanCorp.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- San Juan, PR 00908-0146
- Website
- 1firstbank.com
Price · as of 2024-12-31
$24.31
Market cap 3.34B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $52.23 | +114.85% |
| Intrinsic Value(DCF) | $25.48 | +4.81% |
| Graham-Dodd Method(GD) | $9.36 | -61.49% |
| Graham Formula(GF) | $25.53 | +5% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $3.60 | $41.25 | $12.85 | $0.00 | $589.75 |
| 2011 | $3.15 | $10.09 | $14.59 | $9.88 | $16.47 |
| 2012 | $4.88 | $22.62 | $5.54 | $7.82 | $0.00 |
| 2013 | $4.52 | $22.67 | $3.72 | $1.78 | $0.00 |
| 2014 | $5.45 | $30.23 | $7.16 | $17.30 | $18.90 |
| 2015 | $2.43 | $24.45 | $6.90 | $8.38 | $0.61 |
| 2016 | $4.80 | $26.97 | $7.83 | $10.44 | $5.74 |
| 2017 | $5.19 | $31.09 | $7.94 | $9.98 | $1.71 |
| 2018 | $8.91 | $34.04 | $9.13 | $13.38 | $14.57 |
| 2019 | $5.99 | $31.69 | $10.21 | $11.73 | $13.08 |
| 2020 | $10.32 | $37.69 | $15.57 | $9.48 | $6.27 |
| 2021 | $11.13 | $55.71 | $33.27 | $11.69 | $29.55 |
| 2022 | $11.61 | $38.01 | $41.31 | $7.83 | $25.54 |
| 2023 | $16.22 | $48.74 | $56.58 | $8.38 | $43.17 |
| 2024 | $18.02 | $52.23 | $30.52 | $9.36 | $25.53 |
AI valuation
Our deep-learning model estimates First BanCorp.'s (FBP) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $52.23
- Current price
- $24.31
- AI upside
- +114.85%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$25.48
+4.81% upside
Graham-Dodd
$9.36
-61.49% upside
Graham Formula
$25.53
+5% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FBP | First BanCorp. | $24.31 | 3.34B | +115% | +5% | -61% | +5% | 9.92 | 1.78 | 2.49 | -5.28 | 169.70 | 1.83 | 70.74% | 32.80% | 25.04% | 18.87% | -8.27% | 1.56% | 0.34 | 1.36 | 0.34 | 0.34 | -1.43 | 585.00% | 616.00% | 1580.00% | 13.30% | 0.02 | -10.91% | 3.56% | 35.30% | 27.14% | -5.62 | -5.58 | -1.84 | -0.33 |
| ASB | Associated Banc-Corp | $26.41 | 4.38B | +11% | +9,936% | -14% | +164% | 9.29 | 0.88 | 1.78 | 4.47 | 3.26 | 1.14 | 58.29% | 23.50% | 19.31% | 9.86% | 17.69% | 1.07% | 0.84 | 0.59 | 0.30 | 0.30 | 6.22 | 28472.00% | 1683.00% | 924.00% | 13.33% | 0.03 | 21.79% | 3.81% | 35.40% | 4.47% | 4.47 | 4.42 | 1.05 | -0.12 |
| BKU | BankUnited, Inc. | $46.70 | 3.51B | +37% | -31% | -17% | +3% | 13.40 | 1.18 | 1.68 | 13.36 | 89.69 | 1.21 | 49.49% | 16.68% | 12.53% | 9.15% | 4.95% | 0.76% | 0.61 | 0.44 | 0.83 | 0.83 | 4.21 | 1494.00% | 584.00% | 589.00% | 12.78% | 0.02 | 8.61% | 2.56% | 34.20% | 45.27% | 14.70 | 11.43 | 2.45 | 0.11 |
| CATY | Cathay General Bancorp | $49.71 | 3.38B | -34% | -18% | -32% | +12% | 10.94 | 1.10 | 2.25 | 4.92 | — | 1.27 | 49.78% | 22.83% | 20.56% | 10.25% | 24.08% | 1.24% | 0.08 | 0.48 | 0.09 | 0.09 | 0.21 | -1872.00% | 611.00% | -1464.00% | 10.41% | 0.02 | 27.40% | 3.13% | 34.30% | 20.72% | 5.18 | 5.05 | 1.18 | -0.57 |
| FHB | First Hawaiian, Inc. | $24.76 | 3.06B | +54% | -6% | +2% | 0% | 11.35 | 1.13 | 2.68 | 8.21 | 49.56 | 1.77 | 100.00% | 30.32% | 23.65% | 10.26% | 13.06% | 1.16% | 0.00 | — | 0.03 | 0.03 | -0.65 | 2291.00% | 321.00% | -1918.00% | 7.44% | 0.02 | 11.03% | 0.00% | 0.00% | 0.00% | 8.21 | 12.46 | 2.49 | -0.28 |
| FIBK | First Interstate BancSyst… | $34.61 | 3.56B | -43% | -8% | -76% | — | 11.94 | 1.05 | 3.41 | -9.20 | 34.88 | 1.59 | 97.47% | 37.01% | 28.55% | 8.95% | 62.64% | 1.08% | 0.23 | — | 0.66 | 0.66 | 1.07 | 3425.00% | -2852.00% | 431.00% | 9.60% | 0.03 | 71.80% | 5.38% | 64.30% | 38.49% | -9.20 | -10.41 | -3.41 | 0.06 |
| FULT | Fulton Financial Corporat… | $20.45 | 3.68B | +85% | -6% | -11% | +35% | 9.78 | 1.10 | 2.02 | 7.45 | 30.10 | 1.33 | 67.42% | 25.68% | 20.71% | 11.71% | 15.02% | 1.22% | 0.37 | 0.84 | 0.05 | 0.05 | 1.94 | 3248.00% | 503.00% | -2400.00% | 7.43% | 0.01 | 10.91% | 3.69% | 36.10% | 5.41% | 8.12 | 13.87 | 2.09 | -0.76 |
| RNST | Renasant Corporation | $37.65 | 3.58B | -32% | +73% | -17% | +88% | 10.27 | 0.75 | 1.93 | 2.25 | 38.39 | 1.25 | 62.92% | 23.60% | 18.83% | 7.86% | 15.01% | 1.10% | 0.20 | 0.65 | 0.14 | 0.14 | -2.00 | 2674.00% | 1410.00% | -878.00% | 5.77% | 0.01 | 8.89% | 2.68% | 27.50% | 27.04% | 2.54 | 5.38 | 0.60 | -0.58 |
| WBS | Webster Financial Corpora… | $72.13 | 11.63B | -51% | -9% | -37% | +22% | 11.41 | 1.21 | 2.59 | -2.06 | 32.38 | 1.82 | 60.80% | 28.49% | 22.67% | 10.77% | 34.14% | 1.23% | 0.45 | 0.83 | 0.41 | 0.41 | 3.13 | 3524.00% | 613.00% | -3839.00% | 7.37% | 0.02 | 28.70% | 2.33% | 26.60% | 7.52% | -2.06 | -3.07 | -0.59 | -0.18 |
| WSBC | WesBanco, Inc. | $34.87 | 3.35B | -13% | +150% | -55% | +55% | 12.87 | 0.70 | 2.06 | 13.18 | — | 1.17 | 61.31% | 19.53% | 15.99% | 5.69% | 6.11% | 0.83% | 0.53 | 0.53 | 0.06 | 0.06 | 4.51 | -996.00% | 1488.00% | 3668.00% | 10.29% | 0.01 | 8.09% | 5.00% | 64.40% | 17.12% | 14.26 | 13.16 | 2.79 | -0.62 |
| WSFS | WSFS Financial Corporatio… | $63.51 | 3.47B | -25% | -15% | -7% | -56% | 12.29 | 1.29 | 2.60 | 6.07 | 79.72 | 2.01 | 74.70% | 28.01% | 21.14% | 10.81% | 16.54% | 1.36% | 0.11 | 1.30 | 0.08 | 0.08 | -2.51 | 1542.00% | -305.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.19% | 6.50 | — | 1.82 | -0.68 |
About First BanCorp.
First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides various financial services for retail, commercial, and institutional clients. The company operates through six 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 commercial loans, including commercial real estate and construction loans and floor plan financings; and other products, such as cash management and business management services. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; acquisition and sale of mortgages in the secondary markets; and purchase of mortgage loans from other local banks and mortgage bankers. The Consumer (Retail) Banking segment provides auto, boat, credit card, and personal loans; lines of credit; deposit products comprising interest bearing and non-interest bearing checking and savings accounts, individual retirement accounts, and retail certificates of deposit (CDs); and finance leasing and insurance agency services. The Treasury and Investments segment offers funding and liquidity management services. The United States Operations segment provides checking, savings, and money market accounts, as well as retail CDs; traditional commercial and industrial, and commercial real estate loans; and internet banking, cash management, remote deposit capture, and automated clearing house, and transactions services. The Virgin Islands Operations segment is involved in consumer, commercial lending, and deposit-taking activities. The company operates 64 branches in Puerto Rico, 8 branches in the U.S. Virgin Islands and British Virgin Islands, and 11 branches in the state of Florida. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.
- CEO
- Aurelio Aleman-Bermudez
- Employees
- 3.11K
- Beta
- 0.86
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($25.48 ÷ $24.31) − 1 = +4.81% (DCF, example).