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$28.83 -0.02 (-0.07%) At close · Jul 24
Market Cap
$4.46B
Shares
154.68M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$28.85 Open$28.76 Day$28.39–28.93 52W$18.99–28.93 Avg vol 30d1.6M Short int6.9M · 4.5% float · 6.7d Short vol54% Last earningsApr 22, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 8

Up next

FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 8, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Strong Buy
      SellHoldBuy
      Technical Buy Momentum Very Strong Sentiment Bearish Fundamentals Excellent Quant / Vol Very Low
      Market backdrop VIX 18.6 · elevated Equity put/call 0.61
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +28%
      above
      Price vs 50-day avg +13%
      above
      RSI (14) 76
      overbought
      MACD trend Positive
      52-week position 99%
      near high
      Volume (OBV) Bearish div.
      distributing
      Momentum
      relative strength
      Very Strong
      1-month return +9%
      trailing
      6-month return +31%
      trailing
      YTD return +40%
      this year
      Relative strength +25%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bearish
      Trend (MA cross) No cross
      50d $25 › 200d $22 — 50d above 200d
      Institutional flow Distributing
      58 of 302 funds reported for Jun 30 · net -117.7K sh shares · +7 new
      Insider flow Distributing
      Net -$194.7K over 90 days · 100% sells
      Short interest Rising
      4.46% of float · ▲ +8.1% MoM · 6.7 days cover
      Volume signal Reversal watch
      High volume on a down day — possible exhaustion
      Institution breadth Multi-yr high
      302 holders — near 3-yr high, broad support
      Squeeze score 81
      high risk · 0–100
      Fundamentals
      Excellent
      Revenue growth +2%
      Y/Y
      EPS growth +19%
      Y/Y
      Free cash flow $437.5M
      Valuation P/E 12.8
      below peers
      Buyback $138.3M
      remaining
      Balance sheet $2.3B
      net cash
      Quant / Vol
      risk profile
      Very Low
      Volatility 24%
      annualized · 1-yr
      Max drawdown −14%
      past year
      ATR 1.9%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Mar 31, 2026
      Loan growth · loan growth guidance 3% – 5%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      2 · 1 · 4
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +28% Bullish
      Price vs 50-day avg
      +13% Bullish
      RSI (14)
      76 Bearish
      MACD trend
      Positive Bullish
      52-week position
      99% Bullish
      Volume (OBV)
      Bearish div. Bearish
      Market signals — smart money & positioning
      Bearish · 3 of 6
      Trend (MA cross) No cross
      50d $25 › 200d $22 — 50d above 200d
      Institutional flow Distributing
      58 of 302 funds reported for Jun 30 · net -117.7K sh shares · +7 new
      Insider flow Distributing
      Net -$194.7K over 90 days · 100% sells
      Short interest Rising
      4.46% of float · ▲ +8.1% MoM · 6.7 days cover
      Volume signal Reversal watch
      High volume on a down day — possible exhaustion
      Institution breadth Multi-yr high
      302 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      52-wk low $19 Now $29 · 99% 52-wk high $29
      vs 200-day avg +28% vs 50-day avg +13%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Adjusted pre-tax, pre-provision income non-GAAP $131.4M Q1 2026
      Allowance for credit losses coverage ratio 1.87% Q1 2026
      Tangible common equity ratio non-GAAP 10.11% Q1 2026

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      FBP
      First Bancorp /Pr/
      this stock
      $4.46B +40.4% +17.3% 12.8 4.5%
      MFG
      Mizuho Financial Group Inc
      $128.77B +44.4% 0.1%
      HDB
      Hdfc Bank Ltd
      $119.29B -36.4% +15.2% 0.4%
      IBN
      Icici Bank Ltd
      $105.84B -1.9% 0.6%
      PNC
      Pnc Financial Services Group, Inc.
      $100.79B +20.3% +7.2% 14.6 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      305
      % held
      88.6%
      Reported
      58 of 302
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      384
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      6.9M
      Days to cover
      6.7d
      Change
      +519.4K sh
      View
      Short Volume
      Short vol %
      54%
      As of
      Jul 24, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      161
      Value
      $4.1K
      As of
      Jun 15, 2026
      View
      Off-Exchange
      Off-exchange %
      34.3%
      Week of
      May 4, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$194.7K
      Buyers / Sellers
      0 / 1
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Daniel Goldman
      Amount
      $1.0K–$15.0K
      Traded
      Jul 10, 2023
      View
      Financials
      Financials
      Revenue (FY)
      $1.3B
      Net income (FY)
      $344.9M
      EPS diluted
      $2.15
      View
      Buybacks
      Authorized
      $200.0M
      Remaining
      $138.3M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jul 22, 2026
      This year
      9
      View
      Proposed Sales
      Value
      $3.5M
      Shares
      123.2K
      Filed
      Jul 24, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Apr 22, 2026
      View
      Investor Relations
      Latest news
      First BanCorp. Announces Earnings…
      Published
      Jul 22, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      FBP +3.6% +9.2% +31.5% +10.7% +40.4%
      SPY -1.7% +0.7% +6.4% -1.2% +8.3%
      vs SPY +5.3% +8.5% +25.1% +11.8% +32.2%

      Capital returns

      Latest dividend
      $0.20 / share · ex May 28, 2026
      Raised 11.1%
      Paid (TTM)
      $0.58 / share · 3 payouts
      Dividend yield (TTM, derived)
      2.01%
      Buyback program · as of Mar 31, 2026
      Authorized
      $200.00M
      Spent (derived)
      $61.70M
      Remaining
      $138.30M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1057706 CUSIP 318672706 13F (30d) 55 filings 55 filers Visit website Investor relations