Stock AnalizFirst Bancorp FBP
Major Banks · data as of November 13, 2026
First Bancorp (FBP) is a financial company listed in the US with a market value of about $3.9B. In the twelve months to September 30, 2026 it had revenue of $1.0B and net income of $368M, a net margin of 35.4%.
Its overall Stock Analiz score is 3.4 out of 5 (good). The strongest part is value (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 11.0, a price to free cash flow of 9.6, 5-year revenue growth of 7% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 33% above the current price.
Score: 3.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
Checks not passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- Interest covered more than 5 times
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.0B | $1.0B | $938M | $930M | $918M | $851M | $712M | $658M | $608M | $554M | $572M |
| Net income | $368M | $345M | $299M | $303M | $305M | $281M | $102M | $167M | $202M | $67M | $93M |
| Free cash flow | $407M | $438M | $394M | $340M | $420M | $386M | $282M | $272M | $268M | $227M | $189M |
| EPS (diluted) | $2.38 | $2.15 | $1.81 | $1.71 | $1.59 | $1.31 | $0.46 | $0.00 | $0.00 | $0.00 | $0.00 |
| Net margin | 35.4% | 34.5% | 31.8% | 32.6% | 33.2% | 33.0% | 14.4% | 25.4% | 33.2% | 12.1% | 16.3% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 7 analysts is $30.57, 17% above the current price; targets range from $28.00 to $32.00; the consensus rating is “Buy”; expected EPS is $2.41 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is First Bancorp’s P/E ratio?
About 11.0, based on the last twelve months of diluted earnings per share (forward P/E about 10.8).
Is First Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 33% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does First Bancorp pay a dividend?
Yes. The dividend yield is about 3.82%, and it has paid dividends for 8 years in our data.
Is First Bancorp a good stock to buy?
We do not give buy or sell advice. First Bancorp scores 3.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.