First BanCorp's stock rose by 5.07% as it crossed above the 5-day SMA, reflecting positive investor sentiment following its earnings report.
The company reported a record net income of $87 million for Q4 2025, translating to $0.55 per share, which exceeded expectations by $0.04. This strong performance was driven by significant loan growth of $1.4 billion and an 11% increase in the quarterly dividend to $0.20 per share, indicating robust operational efficiency and a commitment to shareholder returns. Management also provided optimistic guidance for 2026, anticipating organic loan growth of 3% to 5%.
These results not only highlight First BanCorp's solid financial health but also position the company favorably for future growth, potentially attracting more investors and enhancing market confidence.
Wall Street analysts forecast FBP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FBP is 23.50 USD with a low forecast of 23.00 USD and a high forecast of 24.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
Wall Street analysts forecast FBP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FBP is 23.50 USD with a low forecast of 23.00 USD and a high forecast of 24.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 21.880
Low
23.00
Averages
23.50
High
24.00
Current: 21.880
Low
23.00
Averages
23.50
High
24.00
Keefe Bruyette
Kelly Motta
Market Perform
maintain
$24
2026-01-28
New
Reason
Keefe Bruyette
Kelly Motta
Price Target
$24
AI Analysis
2026-01-28
New
maintain
Market Perform
Reason
Keefe Bruyette analyst Kelly Motta raised the firm's price target on First BanCorp to $24.50 from $24 and keeps a Market Perform rating on the shares.
Truist
Arren Cyganovich
Buy
downgrade
$25 -> $24
2025-10-27
Reason
Truist
Arren Cyganovich
Price Target
$25 -> $24
2025-10-27
downgrade
Buy
Reason
Truist analyst Arren Cyganovich lowered the firm's price target on First BanCorp to $24 from $25 and keeps a Buy rating on the shares. The firm is lowering its 2026 EPS estimate to $2.10 from $2.15 mainly due to lower assumed net interest margin expansion consistent with management guidance, the analyst tells investors in a research note.
Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for FBP
Unlock Now
Keefe Bruyette
Outperform -> Market Perform
downgrade
$26 -> $24
2025-10-27
Reason
Keefe Bruyette
Price Target
$26 -> $24
2025-10-27
downgrade
Outperform -> Market Perform
Reason
Keefe Bruyette downgraded First BanCorp to Market Perform from Outperform with a price target of $24, down from $26. The firm believes banks lacks the levers to offset its "more constrained" net interest margin outlook. First BanCorp is "already operating at a very high level," which creates limited upside for the shares, the analyst tells investors in a research note.
BofA
Brandon Berman
Buy
maintain
$22 -> $24
2025-07-13
Reason
BofA
Brandon Berman
Price Target
$22 -> $24
2025-07-13
maintain
Buy
Reason
BofA analyst Brandon Berman raised the firm's price target on First BanCorp to $24 from $22 and keeps a Buy rating on the shares. The firm adjusted regional bank price targets as part of a Q2 earnings preview. A lack of interest rate cuts delay a rebound in growth, but "resilient" earnings, an acceleration in loan growth, and investment banking activity server as catalysts for the stocks, the analyst tells investors in a research note.
About FBP
First BanCorp. is a financial holding company. As of December 31, 2016, the Company controlled two subsidiaries: FirstBank Puerto Rico (the Bank or FirstBank) and FirstBank Insurance Agency, Inc. (FirstBank Insurance Agency). It operates in six segments: Commercial and Corporate Banking, which consists of lending and other services; Consumer (Retail) Banking, which consists of consumer lending and deposit-taking activities; Mortgage Banking, which consists of the origination, sale, and servicing of a range of residential mortgage loan products and related hedging activities; Treasury and Investments, which consists of treasury and investment management functions; United States Operations, which consists of all banking activities conducted by FirstBank on the United States mainland, and Virgin Islands Operations, which consists of banking activities conducted by FirstBank in the United States Virgin Islands and British Virgin Islands, including retail and commercial banking services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
