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First BanCorp (FBP) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company's strong financial performance in Q4 2025, steady analyst ratings with increased price targets, and bullish moving averages support this recommendation. While there are no immediate Intellectia Proprietary Trading Signals, the stock's technical indicators and positive growth trends make it a solid long-term investment opportunity.
The technical indicators show a bullish trend with moving averages (SMA_5 > SMA_20 > SMA_200) supporting upward momentum. The MACD histogram is positive at 0.0169, though contracting, and the RSI at 43.708 is neutral. Key support and resistance levels are Pivot: 22.664, R1: 23.287, S1: 22.042, indicating potential price stability around current levels.

Strong Q4 2025 financial performance with revenue up 5.23% YoY, net income up 15.06% YoY, and EPS up 19.57% YoY.
Analysts have raised price targets to $24-$25, reflecting confidence in the company's growth prospects.
Bullish moving averages and a 70% chance of a 6.5% gain in the next day and 11.33% in the next week.
CFO retirement announcement may create short-term uncertainty regarding leadership and financial strategy.
Regular market change of -1.32% and SP500 decline of -1.54% indicate broader market weakness.
In Q4 2025, First BanCorp reported revenue of $241.47M, up 5.23% YoY, net income of $87.10M, up 15.06% YoY, and EPS of $0.55, up 19.57% YoY. These figures highlight strong growth and profitability trends.
Analysts have raised price targets to $24-$25, with Truist maintaining a Buy rating and others maintaining Neutral or Market Perform ratings. Analysts cite higher net interest income, better expense control, and a steady net interest margin expansion as key drivers of growth.