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First BanCorp. FBP NYSE

NYSE • Financial Services • Banks - Regional • US • USD

SharesGrow Score
73/100
4/7 Pass
SharesGrow Intrinsic Value
$46.35
+103.6%
Analyst Price Target
$24.25
+6.5%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

First BanCorp. (FBP) trades at a trailing P/E of 10.2, forward P/E of 10.6. Trailing earnings yield is 9.85%, forward earnings yield 9.48%. PEG 0.52 (Peter Lynch undervalued ≤1.0). Graham Number is $25.12.

Criteria proven by this page:

  • VALUE (69/100, Pass) — P/E is below market average (10.2); PEG ≤ 1.0 — Peter Lynch undervalued (0.52); earnings yield beats bond yields (9.85%).
  • PEG Ratio 0.52 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
  • Trailing Earnings Yield 9.85% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
  • Analyst consensus target $24.25 (+6.5% upside) — modest upside expected.

Overall SharesGrow Score: 73/100 with 4/7 criteria passed.

SharesGrow 7-Criteria Score
73/100
SG Score
View full scorecard →
VALUE
69/100
Price-to-Earnings & upside
Proven by this page
FUTURE
73/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
~
MOAT
59/100
→ Income
~
GROWTH
55/100
→ Income
INCOME
85/100
→ Income

Valuation Snapshot — FBP

Valuation Multiples
P/E (TTM)10.2
Forward P/E10.6
PEG Ratio0.52
Forward PEG26.38
P/B Ratio1.78
P/S Ratio2.85
EV/EBITDA7.5
Per Share Data
EPS (TTM)$2.22
Forward EPS (Est.)$2.16
Book Value / Share$12.65
Revenue / Share$7.95
FCF / Share$2.83
Yields & Fair Value
Earnings Yield9.85%
Forward Earnings Yield9.48%
Dividend Yield3.29%
Graham Number$25.12
SharesGrow IV$46.35 (+103.6%)
Analyst Target$24.25 (+6.5%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 15.1 0.04 0.79 2.20 0.02%
2017 16.3 -0.51 0.58 1.76 0.25%
2018 9.2 0.04 0.91 2.77 0.50%
2019 13.7 -0.79 1.03 3.14 1.44%
2020 19.6 -0.50 0.88 2.60 2.30%
2021 10.3 0.06 1.38 3.28 2.33%
2022 8.0 0.38 1.83 2.54 3.62%
2023 9.6 1.28 1.94 2.58 3.43%
2024 10.2 1.76 1.83 2.56 3.45%
2025 9.6 0.51 1.69 2.64 3.48%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $0.43 $638.67M $93.23M 14.6%
2017 $0.30 $620.64M $66.96M 10.8%
2018 $0.92 $668.61M $201.61M 30.2%
2019 $0.76 $730.57M $167.38M 22.9%
2020 $0.46 $770.14M $102.27M 13.3%
2021 $1.31 $882.02M $281.03M 31.9%
2022 $1.59 $953.89M $305.07M 32%
2023 $1.71 $1.12B $302.86M 27%
2024 $1.80 $1.19B $298.72M 25%
2025 $2.15 $1.26B $344.87M 27.4%

Analyst Estimates

Year EPS (Avg) EPS Range Revenue (Avg) Revenue Range Analysts
2026 $2.16 $2.04 – $2.23 $1.07B $1.06B – $1.08B 6
2027 $2.36 $2.17 – $2.45 $1.11B $1.1B – $1.13B 6
2028 $2.65 $2.61 – $2.70 $1.14B $1.14B – $1.14B 1
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