First Bancorp Net Income
| FBP Stock | USD 23.16 0.06 0.26% |
As of the 10th of February, First Bancorp shows the Downside Deviation of 1.47, coefficient of variation of 606.54, and Mean Deviation of 1.21. First Bancorp technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.
First Bancorp Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.146 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 343.5 M | 360.7 M | |
| Net Income Applicable To Common Shares | 344.9 M | 362.1 M | |
| Net Income From Continuing Ops | 343.5 M | 360.7 M | |
| Net Income Per Share | 2.16 | 3.81 | |
| Net Income Per E B T | 0.83 | 0.78 |
First | Net Income | Build AI portfolio with First Stock |
Evaluating First Bancorp's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into First Bancorp's fundamental strength.
Latest First Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of First Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in First Bancorp financial statement analysis. It represents the amount of money remaining after all of First Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is First Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in First Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 298.72 M | 10 Years Trend |
|
Net Income |
| Timeline |
First Net Income Regression Statistics
| Arithmetic Mean | 160,897,076 | |
| Geometric Mean | 130,112,420 | |
| Coefficient Of Variation | 103.59 | |
| Mean Deviation | 142,101,013 | |
| Median | 167,377,000 | |
| Standard Deviation | 166,671,054 | |
| Sample Variance | 27779.2T | |
| Range | 556.8M | |
| R-Value | 0.76 | |
| Mean Square Error | 12344T | |
| R-Squared | 0.58 | |
| Significance | 0.0004 | |
| Slope | 25,210,295 | |
| Total Sum of Squares | 444467.8T |
First Net Income History
Other Fundumenentals of First Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
First Bancorp Net Income component correlations
First Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for First Bancorp is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Net Income. Since First Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does First have expansion opportunities? Factors like these will boost the valuation of First Bancorp. Market participants price First higher when confident in its future expansion prospects. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating First Bancorp demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.196 | Dividend Share 0.72 | Earnings Share 2.05 | Revenue Per Share | Quarterly Revenue Growth 0.054 |
First Bancorp's market price often diverges from its book value, the accounting figure shown on First's balance sheet. Smart investors calculate First Bancorp's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Since First Bancorp's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between First Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
First Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to First Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of First Bancorp.
| 11/12/2025 |
| 02/10/2026 |
If you would invest 0.00 in First Bancorp on November 12, 2025 and sell it all today you would earn a total of 0.00 from holding First Bancorp or generate 0.0% return on investment in First Bancorp over 90 days. First Bancorp is related to or competes with Victory Bancorp, MF Bancorp, First Community, Andover Bancorp, Community Capital, Woodlands Financial, and HCB Financial. First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides various financial services for... More
First Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure First Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess First Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.47 | |||
| Information Ratio | 0.1054 | |||
| Maximum Drawdown | 9.39 | |||
| Value At Risk | (2.17) | |||
| Potential Upside | 2.84 |
First Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for First Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as First Bancorp's standard deviation. In reality, there are many statistical measures that can use First Bancorp historical prices to predict the future First Bancorp's volatility.| Risk Adjusted Performance | 0.1374 | |||
| Jensen Alpha | 0.1959 | |||
| Total Risk Alpha | 0.0806 | |||
| Sortino Ratio | 0.1185 | |||
| Treynor Ratio | 0.3471 |
First Bancorp February 10, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1374 | |||
| Market Risk Adjusted Performance | 0.3571 | |||
| Mean Deviation | 1.21 | |||
| Semi Deviation | 1.19 | |||
| Downside Deviation | 1.47 | |||
| Coefficient Of Variation | 606.54 | |||
| Standard Deviation | 1.65 | |||
| Variance | 2.74 | |||
| Information Ratio | 0.1054 | |||
| Jensen Alpha | 0.1959 | |||
| Total Risk Alpha | 0.0806 | |||
| Sortino Ratio | 0.1185 | |||
| Treynor Ratio | 0.3471 | |||
| Maximum Drawdown | 9.39 | |||
| Value At Risk | (2.17) | |||
| Potential Upside | 2.84 | |||
| Downside Variance | 2.17 | |||
| Semi Variance | 1.41 | |||
| Expected Short fall | (1.39) | |||
| Skewness | 0.3762 | |||
| Kurtosis | 1.94 |
First Bancorp Backtested Returns
First Bancorp appears to be very steady, given 3 months investment horizon. First Bancorp secures Sharpe Ratio (or Efficiency) of 0.14, which denotes the company had a 0.14 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for First Bancorp, which you can use to evaluate the volatility of the firm. Please utilize First Bancorp's Coefficient Of Variation of 606.54, downside deviation of 1.47, and Mean Deviation of 1.21 to check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, First Bancorp holds a performance score of 11. The firm shows a Beta (market volatility) of 0.76, which means possible diversification benefits within a given portfolio. As returns on the market increase, First Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding First Bancorp is expected to be smaller as well. Please check First Bancorp's semi variance, and the relationship between the maximum drawdown and accumulation distribution , to make a quick decision on whether First Bancorp's price patterns will revert.
Auto-correlation | 0.86 |
Very good predictability
First Bancorp has very good predictability. Overlapping area represents the amount of predictability between First Bancorp time series from 12th of November 2025 to 27th of December 2025 and 27th of December 2025 to 10th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of First Bancorp price movement. The serial correlation of 0.86 indicates that approximately 86.0% of current First Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.86 | |
| Spearman Rank Test | 0.66 | |
| Residual Average | 0.0 | |
| Price Variance | 0.6 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
First Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
|
Based on the recorded statements, First Bancorp reported net income of 298.72 M. This is 76.62% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 47.68% higher than that of the company.
First Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First Bancorp could also be used in its relative valuation, which is a method of valuing First Bancorp by comparing valuation metrics of similar companies.First Bancorp is currently under evaluation in net income category among its peers.
First Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
First Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in First Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of First Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Bancorp's value.| Shares | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 2.5 M | Northern Trust Corp | 2025-06-30 | 2.3 M | Norges Bank | 2025-06-30 | 2 M | Schroder Investment Management Group | 2025-06-30 | 1.8 M | Bank Of New York Mellon Corp | 2025-06-30 | 1.8 M | Arrowstreet Capital Limited Partnership | 2025-06-30 | 1.8 M | Bank Of America Corp | 2025-06-30 | 1.7 M | Verition Fund Managegment, Llc | 2025-06-30 | 1.7 M | Lord, Abbett & Co Llc | 2025-06-30 | 1.7 M | Blackrock Inc | 2025-06-30 | 23.3 M | Vanguard Group Inc | 2025-06-30 | 20.9 M |
First Fundamentals
| Return On Equity | 0.19 | ||||
| Return On Asset | 0.018 | ||||
| Profit Margin | 0.38 % | ||||
| Operating Margin | 0.46 % | ||||
| Current Valuation | 3.24 B | ||||
| Shares Outstanding | 156.62 M | ||||
| Shares Owned By Insiders | 1.86 % | ||||
| Shares Owned By Institutions | 98.14 % | ||||
| Number Of Shares Shorted | 6.59 M | ||||
| Price To Earning | 20.90 X | ||||
| Price To Book | 1.89 X | ||||
| Price To Sales | 4.00 X | ||||
| Revenue | 1.26 B | ||||
| Gross Profit | 914.86 M | ||||
| EBITDA | 416.73 M | ||||
| Net Income | 298.72 M | ||||
| Cash And Equivalents | 553.23 M | ||||
| Cash Per Share | 2.99 X | ||||
| Total Debt | 290 M | ||||
| Debt To Equity | 6.42 % | ||||
| Book Value Per Share | 12.64 X | ||||
| Cash Flow From Operations | 404.15 M | ||||
| Short Ratio | 5.61 X | ||||
| Earnings Per Share | 2.05 X | ||||
| Price To Earnings To Growth | 0.86 X | ||||
| Target Price | 24.64 | ||||
| Number Of Employees | 3.11 K | ||||
| Beta | 0.86 | ||||
| Market Capitalization | 3.66 B | ||||
| Total Asset | 19.13 B | ||||
| Retained Earnings | 2.27 B | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 4.14 % | ||||
| Net Asset | 19.13 B | ||||
| Last Dividend Paid | 0.72 |
About First Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze First Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with First Bancorp
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if First Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in First Bancorp will appreciate offsetting losses from the drop in the long position's value.Moving together with First Stock
| 0.85 | BIRG | Bank of Ireland | PairCorr |
| 0.92 | AX | Axos Financial | PairCorr |
| 0.66 | VABK | Virginia National | PairCorr |
| 0.75 | FFIN | First Financial Bank Normal Trading | PairCorr |
Moving against First Stock
The ability to find closely correlated positions to First Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace First Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back First Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling First Bancorp to buy it.
The correlation of First Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as First Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if First Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for First Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Additional Tools for First Stock Analysis
When running First Bancorp's price analysis, check to measure First Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Bancorp is operating at the current time. Most of First Bancorp's value examination focuses on studying past and present price action to predict the probability of First Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Bancorp's price. Additionally, you may evaluate how the addition of First Bancorp to your portfolios can decrease your overall portfolio volatility.