# First BanCorp. New (FBP) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $28.51, market value $4.4 billion.

## Valuation
- **P/E (trailing): 12.0×** (5-yr avg 8.9×, 3-yr avg 9.4×). First BanCorp. New trades at 12.0× trailing earnings, well above its own five-year average of 8.9×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.60**. A PEG of 0.60 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.2×**. Each dollar of revenue is priced at 4.2×.
- **Price / book: 2.2×**. The shares trade at 2.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.1%** (5-yr avg 14.8%). Free cash flow equals 10.1% of the market value, below its five-year average of 14.8%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.3%**. The inverse of the P/E: 8.3% of the price is earned each year.

## Profitability
- **Net margin: 34.5%**. 34.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 17.5%**. 17.5% on shareholders' equity is solid.
- **Return on assets: 1.9%**. Each dollar of assets produces 1.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 6.7%** (3-yr 2.9%/yr, 5-yr 7.1%/yr). Revenue grew 6.7% over the last year, against 7.1% a year compounded over five years.
- **EPS growth (1 yr): 18.8%** (3-yr 10.6%/yr, 5-yr 36.1%/yr). Earnings per share rose 18.8%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 1.4%/yr**. Free cash flow has compounded at 1.4% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend yield: 2.81%** ($0.76 per share, trailing). First BanCorp. New yields 2.81%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 33%** (27% of free cash flow). 33% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 8**. 8 straight years of increases.
- **Dividend growth (5 yr): 28.2%/yr** (1-yr 8.3%). The dividend has compounded at 28.2% a year over five years, doubling roughly every 3 years at that pace.

## Price and momentum
- **Total return (1 yr): 29.9%** (YTD 39.9%, 3-mo 17.2%). The shares are up 29.9% over twelve months including dividends.
- **From 52-week high: -4.6%** (48.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.53** (volatility 25%). Beta of 0.53 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FBP · Page: https://foliofundamentals.com/stocks/fbp

Not investment advice.