NYSE · Financial · Banks - Regional · USA
First Bancorp PR is a mid cap company (market value between $2 billion and $10 billion) in the Banks - Regional industry.
First Bancorp PR is a financial holding company offering retail and commercial banking, home lending, auto financing, and insurance services through its subsidiaries. Operating across Puerto Rico, Florida, and the U.S. and British Virgin Islands, the company serves individual and business clients through branch networks and digital channels.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the First Bancorp PR stock.
Slightly undervalued: intrinsic value $30.41 per share, market price $27.58, margin of safety 9.3% (as of 2026-10-20).
Book value at 2.50x, the multiple a 19.5% return on equity justifies, blended with earnings, values the shares at $30.41; the price of $27.58 is 9% below that value.
Leak Score: 60/100 on 11 of 12 signals (Faint Leak).
17 more funds hold it; the full list is part of the paid plan.
All 323 Banks - Regional stocks
93 more in this industry show a wider margin of safety.
FBP is slightly undervalued (as of the 2026-10-20 close). Book value at 2.50x, the multiple a 19.5% return on equity justifies, blended with earnings, values the shares at $30.41; the price of $27.58 is 9% below that value.
$30.41 per share (as of the 2026-10-20 close), against a market price of $27.58. That is a margin of safety of 9.3%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
60 out of 100, which we rate "Faint Leak", on 11 of 12 value investing signals.