What Is First BanCorp. New (FBP) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, First BanCorp. New's intrinsic value is estimated at a composite $44.27, showing conflicting signals at the current price of $26.65. While the average implied return is +66.1%, model disagreement is elevated with a gap of +503.4% between the most bullish and bearish estimates. The most optimistic model, Markov DDM, places fair value at $147.77 (+454.6%), while EPV — the most conservative — estimates $13.64 (-48.8%). This +503.4% gap reflects genuine analytical uncertainty about First BanCorp. New's intrinsic worth.
What Do the Models Say About FBP?
12 of 13 models are currently active for FBP. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates FBP's intrinsic value at $69.45, implying +160.6% upside from the current price. See which stocks rank higher →
How Does FBP Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, FBP ranks #10 by Quality of Company score. CirclFi's QOC score of 9.2/10 evaluates 32 fundamental signals. A score of 9.2 places FBP in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
The State Commercial Banks sector introduces analytical considerations specific to banking businesses. For First BanCorp. New, metrics like CET1 capital ratio provide important context that general-purpose valuation models may underweight.
Is FBP a Value Trap?
CirclFi's Value Trap algorithm assigns FBP a score of 14/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for First BanCorp. New. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, First BanCorp. New earns a quality score of 9.2/10. This exceptional rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +503.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every FBP valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across FBP's 12 active models, average confidence is 46%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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