FBP
First BanCorp.
NYSEUSDEQUITY
Financial Services
DELAYED
Buy
+25/100
Last price
26.83
▼ 0.27 (1.00%)
MARKET · —
Price
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Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
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Range —
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vs
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Open
—
Prev close
27.10
Day high
27.19
Day low
26.68
Volume
1.53M
Market cap
$4.10B
P/E (TTM)
11.27
52W range
19.16 – 29.88
Trailing performance
Returnvs SPY
1W
+1.82%
-0.1%
1M
-5.89%
-7.0%
3M
+3.11%
-1.4%
6M
+23.24%
+5.1%
YTD
+29.43%
+15.2%
1Y
+21.73%
+5.3%
3Y
+99.33%
+17.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FBP open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
2.73M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 2, 26 | HERENCIA ROBERTO R Director |
SELL | 26.35K | $750.47K | Direct |
| Aug 26, 26 | RIVERA NAYDA Officer |
SELL | 10.00K | $281.85K | Direct |
| Aug 17, 26 | RIVERA NAYDA Officer |
SELL | 10.00K | $295.92K | Direct |
| Jun 5, 26 | DIAZ-BENTO LILIAN Officer |
SELL | 8.00K | $194.68K | Direct |
| Mar 31, 26 | EAVES PATRICIA Director |
STOCK | 1.87K | $39.99K | Direct |
| Mar 19, 26 | ALEMAN-BERMUDEZ AURELIO Chief Executive Officer |
STOCK | 58.32K | $1.20M | Direct |
| Mar 19, 26 | BERGES-GONZALEZ ORLANDO Chief Financial Officer |
STOCK | 13.98K | $287.85K | Direct |
| Mar 19, 26 | MCDONALD MICHAEL T Officer |
STOCK | 7.61K | $156.75K | Direct |
| Mar 19, 26 | RIVERA NAYDA Officer |
STOCK | 13.58K | $279.53K | Direct |
| Mar 19, 26 | DIAZ-BENTO LILIAN Officer |
STOCK | 9.69K | $199.50K | Direct |
| Mar 19, 26 | PAVIA JUAN CARLOS Chief Operating Officer |
STOCK | 11.58K | $238.49K | Direct |
| Mar 19, 26 | LACASA JOSE MARIA Officer |
STOCK | 10.69K | $220.17K | Direct |
| Mar 19, 26 | ORTIZ SAID Officer |
STOCK | 9.47K | $195.01K | Direct |
| Mar 16, 26 | BERGES-GONZALEZ ORLANDO Chief Financial Officer |
— | 28.59K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ALEMAN-BERMUDEZ AURELIO |
Chief Executive Officer | 1.13M | Stock Award(Grant) |
ALVAREZ-CABRERO SARA |
General Counsel | 76.49K | Conversion of Exercise of derivative security |
BERGES-GONZALEZ ORLANDO |
Chief Financial Officer | 323.54K | Stock Award(Grant) |
HERENCIA ROBERTO R |
Director | 610.67K | Sale |
LACASA JOSE MARIA |
Officer | 81.47K | Stock Award(Grant) |
LOPEZ-LAY VIZCARRA GINORIS C |
Officer | 212.96K | Conversion of Exercise of derivative security |
PANCHAM CASSAN |
Officer | 304.85K | Conversion of Exercise of derivative security |
PAVIA JUAN CARLOS |
Chief Operating Officer | 98.87K | Stock Award(Grant) |
POWER CARLOS |
Officer | 188.38K | Conversion of Exercise of derivative security |
RIVERA NAYDA |
Officer | 230.40K | Sale |
Fundamentals
Market cap$4.10B
Enterprise value$3.71B
Revenue (TTM)$954.21M
Gross profit$954.21M
EBITDA—
Net income$372.56M
EPS (TTM)$2.38
Free cash flow—
Total cash$561.33M
Total debt$200.00M
Book value / share$13.04
Shares outstanding152.67M
Float147.81M
Short % of float7.13%
Dividend yield2.98%
Beta (5Y)0.83
Valuation & profitability ratios
Trailing P/E11.27
Forward P/E10.56
PEG ratio4.15
Price / sales—
Price / book2.06
EV / revenue3.89
EV / EBITDA—
Gross margin0.00%
Operating margin49.10%
Profit margin39.04%
Return on equity19.49%
Return on assets1.95%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $961.67M | $905.08M | $897.17M | $886.57M | +6.3% |
| Operating revenue | $961.67M | $905.08M | $897.17M | $886.57M | +6.3% |
| Selling, general & admin | $269.17M | $262.75M | $257.64M | $228.88M | +2.4% |
| Pre-tax income | $416.73M | $391.21M | $397.44M | $447.58M | +6.5% |
| Tax provision | $71.87M | $92.48M | $94.57M | $142.51M | -22.3% |
| Net income | $344.87M | $298.72M | $302.86M | $305.07M | +15.4% |
| Net income to common | $344.87M | $298.72M | $302.86M | $305.07M | +15.4% |
| Basic EPS | 2.16 | 1.82 | 1.72 | 1.60 | +18.7% |
| Diluted EPS | 2.15 | 1.81 | 1.71 | 1.59 | +18.8% |
| Basic shares | 159.96M | 164.55M | 176.50M | 190.81M | -2.8% |
| Diluted shares | 160.74M | 165.27M | 184.85M | 191.97M | -2.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $657.90M | $1.16B | $662.23M | $478.78M | -43.2% |
| Accounts receivable | $71.35M | $71.88M | $77.72M | $69.73M | -0.7% |
| Property, plant & equipment | $126.92M | $133.44M | $142.02M | $142.94M | -4.9% |
| Goodwill & intangibles | $42.07M | $45.58M | $51.99M | $59.73M | -7.7% |
| Total assets | $19.13B | $19.29B | $18.91B | $18.63B | -0.8% |
| Current debt | $90.00M | — | $0 | $475.00M | — |
| Long-term debt | $200.00M | $561.70M | $661.70M | $383.76M | -64.4% |
| Total debt | $290.00M | $561.70M | $661.70M | $858.76M | -48.4% |
| Total liabilities | $17.17B | $17.62B | $17.41B | $17.31B | -2.6% |
| Retained earnings | $2.01B | $1.81B | $1.65B | $1.48B | +10.9% |
| Shareholder equity | $1.97B | $1.67B | $1.50B | $1.33B | +17.8% |
| Net tangible assets | $1.92B | $1.62B | $1.45B | $1.27B | +18.5% |
| Shares issued | 223.66M | 223.66M | 223.66M | 223.66M | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $344.87M | $298.72M | $302.86M | $305.07M | +15.4% |
| Depreciation & amortisation | $20.75M | $25.00M | $28.24M | $31.11M | -17.0% |
| Stock-based compensation | $10.10M | $8.71M | $7.80M | $5.41M | +16.0% |
| Change in working capital | $4.90M | $266.00K | -$44.92M | $8.37M | +1,740.6% |
| Operating cash flow | $448.56M | $404.15M | $362.96M | $440.49M | +11.0% |
| Capital expenditure | -$11.03M | -$10.01M | -$22.60M | -$20.46M | -10.2% |
| Investing cash flow | -$170.39M | $136.23M | -$78.45M | -$681.46M | -225.1% |
| Share buybacks | -$153.67M | -$102.39M | -$203.24M | -$277.77M | -50.1% |
| Dividends paid | -$115.52M | -$105.58M | -$99.67M | -$87.82M | -9.4% |
| Financing cash flow | -$778.98M | -$44.13M | -$101.85M | -$1.82B | -1,665.2% |
| Free cash flow | $437.52M | $394.14M | $340.36M | $420.03M | +11.0% |
| End cash position | $658.60M | $1.16B | $663.16M | $480.50M | -43.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $257.30M | $252.25M | $238.11M | $239.71M | $239.73M | — | +2.0% |
| Operating revenue | $257.30M | $252.25M | $238.11M | $239.71M | $239.73M | — | +2.0% |
| Selling, general & admin | $70.04M | $70.91M | $69.85M | $65.88M | $65.79M | — | -1.2% |
| Pre-tax income | $120.21M | $114.26M | $107.33M | $106.22M | $102.89M | — | +5.2% |
| Tax provision | $24.05M | $25.48M | $20.23M | $5.70M | $22.70M | — | -5.6% |
| Net income | $96.15M | — | — | — | — | — | — |
| Net income to common | $96.15M | $88.78M | $87.10M | $100.53M | $80.18M | — | +8.3% |
| Basic EPS | 0.63 | 0.57 | — | 0.63 | 0.50 | 0.47 | +10.5% |
| Diluted EPS | 0.62 | 0.57 | — | 0.63 | 0.50 | 0.47 | +8.8% |
| Basic shares | 153.47M | 155.26M | — | 159.29M | 160.88K | 162.93M | -1.2% |
| Diluted shares | 154.16M | 156.10M | — | 160.09M | 161.51K | 163.75M | -1.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $560.63M | $550.20M | $657.90M | $898.63M | $735.88M | +1.9% |
| Accounts receivable | $70.66M | $67.72M | $71.35M | $66.11M | $71.55M | +4.3% |
| Property, plant & equipment | $128.68M | $127.86M | $126.92M | $126.97M | $128.43M | +0.6% |
| Goodwill & intangibles | $41.63M | $41.85M | $42.07M | $42.29M | $43.15M | -0.5% |
| Total assets | $19.24B | $19.09B | $19.13B | $19.32B | $18.90B | +0.8% |
| Current debt | — | $90.00M | $90.00M | — | — | — |
| Long-term debt | $200.00M | $200.00M | $200.00M | $290.00M | $320.00M | 0.0% |
| Total debt | $200.00M | $290.00M | $290.00M | $290.00M | $320.00M | -31.0% |
| Total liabilities | $17.26B | $17.12B | $17.17B | $17.40B | $17.05B | +0.9% |
| Retained earnings | $2.39B | $2.06B | $2.01B | $1.98B | $1.91B | +15.9% |
| Shareholder equity | $1.98B | $1.97B | $1.97B | $1.92B | $1.85B | +0.5% |
| Net tangible assets | $1.94B | $1.93B | $1.92B | $1.88B | $1.80B | +0.5% |
| Shares issued | 152.67M | 223.66M | 223.66M | 223.66M | 223.66M | -31.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $96.15M | $88.78M | $87.10M | $100.53M | $80.18M | +8.3% |
| Depreciation & amortisation | $4.43M | $4.28M | $4.33M | $5.18M | $5.54M | +3.5% |
| Stock-based compensation | $2.50M | $3.92M | $2.11M | $2.11M | $2.14M | -36.2% |
| Change in working capital | -$18.61M | $1.08M | $259.00K | $29.12M | -$18.01M | -1,824.4% |
| Operating cash flow | $92.22M | $121.09M | $107.26M | $137.63M | $95.45M | -23.8% |
| Capital expenditure | -$5.04M | -$5.17M | -$4.08M | -$2.86M | -$2.61M | +2.7% |
| Investing cash flow | -$210.58M | -$62.22M | -$73.86M | -$121.87M | -$368.22M | -238.5% |
| Share buybacks | -$50.31M | -$54.63M | -$50.01M | -$50.13M | -$28.66M | +7.9% |
| Dividends paid | -$30.99M | -$32.08M | -$28.02M | -$28.48M | -$29.70M | +3.4% |
| Financing cash flow | $128.79M | -$166.57M | -$274.38M | $147.10M | -$318.79M | +177.3% |
| Free cash flow | $87.18M | $115.92M | $103.18M | $134.77M | $92.84M | -24.8% |
| End cash position | $561.33M | $550.90M | $658.60M | $899.57M | $736.71M | +1.9% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.00
Positioning, not flow
Max pain
20.00
-25.5% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
2
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
20.00
14 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.54 | 0.62 | +14.8% |
| Mar 2026 | 0.51 | 0.57 | +11.0% |
| Dec 2025 | 0.51 | 0.55 | +7.8% |
| Sep 2025 | 0.49 | 0.63 | +29.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.59 | 7 | $274.32M | +10.3% |
| Next quarter | 0.62 | 7 | $278.23M | +8.2% |
| Current year | 2.40 | 7 | $1.09B | +8.8% |
| Next year | 2.54 | 7 | $1.14B | +4.3% |
Analyst targets & ownership
Mean target$31.57
High target$33.00
Low target$30.00
Implied upside17.67%
Analyst count7
ConsensusBUY
Strong buy / Buy0 / 5
Hold2
Sell / Strong sell0 / 0
Held by insiders1.80%
Held by institutions98.29%
Institutions holding431
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
26.76
+0.25% from price
SMA 20
27.21
-1.40% from price
SMA 50
28.09
-4.50% from price
SMA 100
26.88
-0.17% from price
SMA 200
24.46
+9.69% from price
EMA 12
26.96
-0.49% from price
EMA 26
27.31
-1.76% from price
EMA 50
27.42
-2.14% from price
RSI (14)
41.9
Neutral
MACD (12,26,9)
-0.35
Hist 0.01
ATR (14)
0.50
1.87% of price
Realised vol 30D
16.2%
Annualised
Bollinger upper
28.28
20, 2σ
Bollinger lower
26.14
20, 2σ
50 / 200 cross
Golden
28.09 vs 24.46
Trend bias
Above 200
+9.69%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.49
Less volatile than market
Correlation to SPY
0.26
Largely independent
Realised vol 30D
16.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-13.0%
Peak to trough
Max drawdown 5Y
-34.7%
Peak to trough
ATR 14
0.50
1.87% of price
Beta (reported)
0.83
5Y monthly, from filing
Short interest
Shares short
7.32M
Prior 6.55M
Change vs prior
+11.8%
Shorts adding
% of float
7.13%
Normal
% of shares out
4.80%
Against total outstanding
Days to cover
6.4
Crowded exit
Float
147.81M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 30, 26 | Wells Fargo | MAINTAINED | Overweight | Overweight |
| Aug 10, 26 | Wells Fargo | MAINTAINED | Overweight | Overweight |
| Jul 23, 26 | Benchmark | MAINTAINED | Buy | Buy |
| Jul 23, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 15, 26 | Benchmark | INITIATED | — | Buy |
| Jul 13, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Jul 6, 26 | Wells Fargo | MAINTAINED | Overweight | Overweight |
| Jul 1, 26 | Raymond James | MAINTAINED | Strong Buy | Strong Buy |
| Apr 27, 26 | Raymond James | UPGRADE | Outperform | Strong Buy |
| Apr 23, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Apr 23, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Apr 23, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
Dividends & splits
Forward rate$0.80 / yr
Forward yield2.98%
5-year avg yield3.09%
Payout ratio31.93%
Ex-dividend dateAug 27, 2026
Next pay dateSep 11, 2026
Last split1:15
Split dateJan 7, 2011
SEC filings
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-22
Corporate Changes & Voting Matters
8-K/A · 2026-07-01
Offering Registrations
S-8 POS · 2026-06-22
Annual report of employee stock purchase
11-K · 2026-06-18
Corporate Changes & Voting Matters
8-K · 2026-05-12
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-04-22
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.