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Upturn AI SWOT - About
FBP 
First Bancorp (FBP)
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Upturn Advisory Summary
08/13/2025: FBP (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $25
1 Year Target Price $25
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 20.91% | Avg. Invested days 51 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.41B USD | Price to earnings Ratio 11.3 | 1Y Target Price 25 |
Price to earnings Ratio 11.3 | 1Y Target Price 25 | ||
Volume (30-day avg) 6 | Beta 0.95 | 52 Weeks Range 16.25 - 22.36 | Updated Date 08/12/2025 |
52 Weeks Range 16.25 - 22.36 | Updated Date 08/12/2025 | ||
Dividends yield (FY) 3.29% | Basic EPS (TTM) 1.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-07-21 | When Before Market | Estimate 0.4578 | Actual 0.5 |
Profitability
Profit Margin 34.42% | Operating Margin (TTM) 46.21% |
Management Effectiveness
Return on Assets (TTM) 1.62% | Return on Equity (TTM) 18.38% |
Valuation
Trailing PE 11.3 | Forward PE - | Enterprise Value 2899790848 | Price to Sales(TTM) 3.83 |
Enterprise Value 2899790848 | Price to Sales(TTM) 3.83 | ||
Enterprise Value to Revenue 3.89 | Enterprise Value to EBITDA - | Shares Outstanding 160470000 | Shares Floating 156653723 |
Shares Outstanding 160470000 | Shares Floating 156653723 | ||
Percent Insiders 1.88 | Percent Institutions 98.87 |
Upturn AI SWOT
First Bancorp
Company Overview
History and Background
First Bancorp was founded in 1910 in Southern Pines, North Carolina. It has grown through organic expansion and acquisitions to become a leading community bank in the region.
Core Business Areas
- Community Banking: Provides a range of financial services including deposit accounts, loans, and other banking products to individuals and small businesses.
- Mortgage Lending: Offers mortgage loans for home purchases and refinancing.
- Wealth Management: Provides wealth management services to individuals and families.
Leadership and Structure
Richard H. Moore, Jr. serves as the Chief Executive Officer. The company operates with a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Checking Accounts: Standard and interest-bearing checking accounts for consumers and businesses. Market share data is difficult to pinpoint exactly for this specific product, but First Bancorp competes with regional and national banks. Competitors: Bank of America, Truist, Wells Fargo.
- Commercial Loans: Loans to small and medium-sized businesses for various purposes, including working capital, equipment financing, and real estate. Competitors: Truist, Wells Fargo, local credit unions.
- Mortgage Loans: Fixed and adjustable-rate mortgage products for residential properties. Competitors: Rocket Mortgage, Wells Fargo, local mortgage brokers.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, inflation, and increased competition from fintech companies. Regulatory changes also impact the landscape.
Positioning
First Bancorp is a regional community bank that focuses on building strong relationships with its customers. It aims to provide personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in First Bancorp's operating region is estimated to be in the billions of dollars annually. First Bancorp is positioned to capture a portion of this TAM through its local presence and relationship-based approach.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Experienced management team
- Solid capital base
- Strong customer relationships
- High deposit market share in key markets
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking products
- Smaller scale compared to national banks
- Exposure to local economic conditions
Opportunities
- Expansion into new markets within the region
- Investment in technology to enhance digital banking services
- Acquisition of smaller banks or credit unions
- Increase in interest rates
- Increased demand for loans within it's specific North Carolina territory.
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in the region
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- PNC Financial Services Group (PNC)
- Bank of America (BAC)
Competitive Landscape
First Bancorp competes with larger national banks and smaller community banks. Its competitive advantages include its local presence, customer relationships, and focus on community banking.
Major Acquisitions
GrandSouth Bancorporation
- Year: 2022
- Acquisition Price (USD millions): 181.1
- Strategic Rationale: The acquisition of GrandSouth Bancorporation allowed First Bancorp to expand its presence into South Carolina and further solidify its regional footprint.
Growth Trajectory and Initiatives
Historical Growth: Financial data is not current. Please look up current values.
Future Projections: Financial data is not current. Please look up current values.
Recent Initiatives: Recent initiatives include expanding digital banking services and focusing on strategic acquisitions to expand its market presence.
Summary
First Bancorp is a regional bank with solid customer relationships and local expertise. While facing competition from larger national banks and fintech companies, it benefits from a strong regional brand and strategic acquisitions. Its growth depends on its ability to capitalize on digital banking opportunities and expand into new markets. It is recommended to monitor how well First Bancorp navigates the challenges of the current banking landscape and adapts to evolving customer needs.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- SEC filings
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available industry reports.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Bancorp
Exchange NYSE | Headquaters San Juan, PR, United States | ||
IPO Launch date 1992-02-25 | President, CEO & Director Mr. Aurelio Aleman-Bermudez | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3113 | Website https://www.1firstbank.com |
Full time employees 3113 | Website https://www.1firstbank.com | ||
First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans. The Consumer (Retail) Banking segment provides auto loans, finance leases, personal loans, credit cards, and other types of consumer credit lines; and interest and non-interest-bearing checking and savings accounts. The Commercial and Corporate Banking segment offers commercial real estate and construction loans, as well as other products, such as cash and business management services. The Treasury and Investments segment focuses on fund management business. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.
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