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Upturn stock ratingUpturn stock rating
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First Bancorp (FBP)

Upturn stock ratingUpturn stock rating
$22.14
Last Close (24-hour delay)
Profit since last BUY11.65%
upturn advisory
Strong Buy
BUY since 81 days
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

08/28/2025: FBP (3-star) is a STRONG-BUY. BUY since 81 days. Profits (11.65%). Updated daily EoD!

Upturn Star Rating

rating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Number of Analysts

rating

6 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $25

1 Year Target Price $25

Analysts Price Target For last 52 week
$25 Target price
52w Low $16.12
Current$22.14
52w High $22.43

Analysis of Past Performance

Type Stock
Historic Profit 41.73%
Avg. Invested days 59
Today’s Advisory Strong Buy
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.61B USD
Price to earnings Ratio 11.78
1Y Target Price 25
Price to earnings Ratio 11.78
1Y Target Price 25
Volume (30-day avg) 6
Beta 0.95
52 Weeks Range 16.12 - 22.43
Updated Date 08/28/2025
52 Weeks Range 16.12 - 22.43
Updated Date 08/28/2025
Dividends yield (FY) 3.05%
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 -
When -
Estimate -
Actual -

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 11.78
Forward PE -
Enterprise Value 3112667648
Price to Sales(TTM) 4.05
Enterprise Value 3112667648
Price to Sales(TTM) 4.05
Enterprise Value to Revenue 4.15
Enterprise Value to EBITDA -
Shares Outstanding 160470000
Shares Floating 155691146
Shares Outstanding 160470000
Shares Floating 155691146
Percent Insiders 1.82
Percent Institutions 98.37

ai summary icon Upturn AI SWOT

First Bancorp

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 3113

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.