What is the 13F Pro Quality Score for FBP?

13F Pro ranks FIRST BANCORP /PR/ (FBP) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FBP's current score at https://13fpro.ai/company/FBP (free sign-up required for the full ranking).

Which hedge funds own the most FBP stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of FBP include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/FBP as soon as new 13F filings post.

Where does 13F Pro source FBP data?

All FIRST BANCORP /PR/ fundamentals and ownership data come directly from SEC EDGAR. FIRST BANCORP /PR/ files with the SEC under CIK 1057706. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FBP in?

FIRST BANCORP /PR/ (FBP) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives FBP's revenue?

Per FIRST BANCORP /PR/'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Consumer (Retail) Banking ($171.7M, +2% YoY); Commercial and Corporate Banking ($51.2M, +16% YoY); United States Operations ($23.7M, +11% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/FBP.

What are FBP's largest expenses?

FIRST BANCORP /PR/'s latest 10-Q reports these as the largest expense items: Employees' compensation and benefits ($63.4M, +6% YoY); Occupancy and equipment ($22.1M, -1% YoY); Professional service fees ($13.1M, +13% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is FBP research updated on 13F Pro?

FBP's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FIRST BANCORP /PR/(FBP)Stock Analysis

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SEC EDGAR: CIK 1057706 FBP stock profile & AI dashboard →

13F Pro Quality Score

57.9/100

Rank #1,060 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

43.7/100

Profitability

95.6/100

Balance Sheet

52.7/100

Earnings Quality

51.2/100

Free Cash Flow

92.2/100

Institutional Flow

24.8/100

Revenue Scale

50.5/100

Dilution Risk

63.3/100

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Why FBP Scores 58/100

exact factor attribution · 2026-09-11

FBP's composite is driven by profitability and free cash flow, held back by institutional flow and revenue growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.1 pts

96th pct

Free cash flow

+6.3 pts

92th pct

Shareholder dilution

+0.9 pts

63th pct

Earnings growth

+0.8 pts

62th pct

Capital efficiency

+0.4 pts

53th pct

Earnings quality

+0.1 pts

51th pct

Scale

+0.1 pts

51th pct

Revenue growth

-1.7 pts

44th pct

Institutional flow

-1.7 pts

25th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FBP Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for FIRST BANCORP /PR/ (FBP), a Financials sector company. 13F Pro's AI-powered ranking engine scores FBP at 57.9/100 on a 32-signal composite quality model, placing it at rank #1,060 of 2,962 stocks — the top half of the AI-ranked universe. FBP scores in the top quartile across profitability (95.6), free cash flow (92.2). Areas of concern include institutional flow (24.8), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), FIRST BANCORP /PR/ reports quarterly revenue of $264.9M, net income of $96.2M, an operating margin of 45.4%. Top institutional holders of FBP by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET, based on the most recent SEC filings. FBP trades on the NYSE exchange and files with the SEC under CIK 1057706. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FBP daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST BANCORP /PR/ directly from SEC EDGAR. FIRST BANCORP /PR/'s 13F Pro composite quality score has ranged between 56 and 68 since 2021, currently 57.9 — a stable long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about FIRST BANCORP /PR/

Quirks, history, and lore behind FBP — the kind of stuff that makes a stock memorable.

1
The Basics
A regional bank holding company · mid-cap · listed on the NYSE · headquartered on a U.S. island territory.
2
The Numbers
Total assets in the range of $12–14 billion, making it one of the largest financial institutions in its home market by a wide margin.
3
The History
Founded in the early 1900s, it has survived decades of economic turbulence on its home island, including a historic government debt crisis that rattled the whole local banking sector.
4
The Secret
It operates not just at home but also has banking operations in the U.S. Virgin Islands and the mainland United States — island roots, continental reach.
5
The Lore
When Hurricane Maria devastated its home island in 2017, this bank kept branches open and helped channel recovery funds — earning a reputation as a pillar of the local economy.
6
The Giveaway
Its ticker is three letters, its name says it all: it's the First bank of Puerto Rico, and it's been holding that title for well over a century.

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What's Driving FBP's Business? Latest 10-Q Breakdown

✓ 27/27 datapoints verified

AI-extracted from FIRST BANCORP /PR/'s 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income rose 20% YoY to $96.2M ($0.62 diluted EPS) as net interest margin expanded 31bps to 4.87%, driven by redeploying cash flows into higher-yielding assets and lower deposit costs.

Biggest Revenue Drivers

Consumer (Retail) Banking$171.7M+2% YoY

Includes consumer lending, small business commercial lending, and branch/loan-center deposit-taking activities

Commercial and Corporate Banking$51.2M+16% YoY

Reflects lending to large, specialized and middle-market clients and the government sector

Biggest Revenue Drivers

Total revenue: $264.9M+7% YoY

Consumer (Retail) Banking$171.7M+2% YoY

Includes consumer lending, small business commercial lending, and branch/loan-center deposit-taking activities

Commercial and Corporate Banking$51.2M+16% YoY

Reflects lending to large, specialized and middle-market clients and the government sector

United States Operations$23.7M+11% YoY

Banking activities conducted in the U.S. mainland, mainly Florida, including C&I loan participation purchases

Mortgage Banking$21.7M+3% YoY

Origination, sale, and servicing of residential mortgage loans

Treasury and Investments-$23.0MLoss narrowed from -$27.1M YoY

Segment centrally manages funding via fund-transfer-pricing; mismatch between funds provided and used is absorbed here

Largest Expense Items

Employees' compensation and benefits$63.4M+6% YoY

Annual salary merit increases and filling of previously vacant positions

Occupancy and equipment$22.1M-1% YoY

Professional service fees$13.1M+13% YoY

Increase in legal fees and collections, appraisals and other credit-related fees

Credit and debit card processing expenses$8.5M+10% YoY

Higher transactional volumes, partially offset by card expense reimbursements

Margins: Net interest margin increased 31bps YoY to 4.87%, driven by deploying cash flows from lower-yielding investments into higher-yielding assets and lower interest-bearing liability costs, partially offset by downward repricing of variable-rate commercial loans. Efficiency ratio improved to 48.07% from 49.97%.

Watch Items from the Filing

A putative class action filed June 24, 2026 alleges FirstBank and First BanCorp knowingly facilitated Jeffrey Epstein's sex-trafficking venture through banking services; seeks unspecified damages, motion to dismiss pending.
Loan portfolio credit risk concentration remains approximately 77% in Puerto Rico, 19% in the U.S. (mainly Florida), and 4% in USVI/BVI.
Nonaccrual loans rose as a $14.8M Florida C&I relationship migrated to nonaccrual status in Q2 2026, driving an $11.6M increase in commercial/construction nonaccrual loans.
Estimated uninsured deposits (excluding fully collateralized government deposits) totaled $4.7 billion, or 29.15% of total deposits, as of June 30, 2026.
The Corporation repurchased $100.0M of common stock in H1 2026 under its $200M program, with $88.3M remaining authorization expected to be executed by year-end.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$264.9M

Net Income

Q2 2026

$96.2M

Free Cash Flow

Q2 2026

$87.2M

Operating Margin

Q2 2026

45.4%

ROIC

Q2 2026

22.1%

D/E Ratio

Q2 2026

0.10

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+2.4% YoY

$1.26BFY 2025

FY22 $985.7MFY23 $1.16BFY24 $1.23BFY25 $1.26B

Net Income

+15.4% YoY

$344.9MFY 2025

FY22 $305.1MFY23 $302.9MFY24 $298.7MFY25 $344.9M

EPS (Diluted)

+18.8% YoY

$2.15FY 2025

FY22 $1.59FY23 $1.71FY24 $1.81FY25 $2.15

Total Assets

-0.8% YoY

$19.13BFY 2025

FY22 $18.63BFY23 $18.91BFY24 $19.29BFY25 $19.13B

Total Debt

-48.4% YoY

$290.0MFY 2025

FY22 —FY23 $661.7MFY24 $561.7MFY25 $290.0M

Op. Cash Flow

+11.0% YoY

$448.6MFY 2025

FY22 $440.5MFY23 $363.0MFY24 $404.1MFY25 $448.6M

Free Cash Flow

+11.0% YoY

$437.5MFY 2025

FY22 $420.0MFY23 $340.4MFY24 $394.1MFY25 $437.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.26B +2.4%	$1.23B +6.0%	$1.16B +17.3%	$985.7M +7.6%	$915.9M +13.9%	$804.2M
Net Income	$344.9M +15.4%	$298.7M -1.4%	$302.9M -0.7%	$305.1M +8.6%	$281.0M +174.8%	$102.3M
EPS (Diluted)	$2.15 +18.8%	$1.81 +5.8%	$1.71 +7.5%	$1.59 +21.4%	$1.31 +184.8%	$0.46
Total Assets	$19.13B -0.8%	$19.29B +2.0%	$18.91B +1.5%	$18.63B -10.3%	$20.79B +10.6%	$18.79B
Total Debt	$290.0M -48.4%	$561.7M -15.1%	$661.7M	—	—	—
Operating Cash Flow	$448.6M +11.0%	$404.1M +11.3%	$363.0M -17.6%	$440.5M +10.2%	$399.7M +34.3%	$297.7M
Free Cash Flow	$437.5M +11.0%	$394.1M +15.8%	$340.4M -19.0%	$420.0M +8.7%	$386.4M +37.2%	$281.7M

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Available Research

13F Pro tracks comprehensive data for FIRST BANCORP /PR/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FBP

BlackRock, Inc.
$593.2M22,755,871 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$322.0M12,351,989 sh
STATE STREET CORP
$234.7M9,001,680 sh
DIMENSIONAL FUND ADVISORS LP
$206.5M7,922,500 sh
VANGUARD CAPITAL MANAGEMENT LLC
$181.3M6,953,275 sh
FMR LLC
$157.4M6,039,458 sh
AMERICAN CENTURY COMPANIES INC
$157.3M6,035,164 sh
GEODE CAPITAL MANAGEMENT, LLC
$133.8M5,132,774 sh
PRICE T ROWE ASSOCIATES INC /MD/
$130.4M5,003,198 sh
FIRST TRUST ADVISORS LP
$128.8M4,941,179 sh

Fund	Value	Shares
BlackRock, Inc.	$593.2M	22,755,871
VANGUARD PORTFOLIO MANAGEMENT LLC	$322.0M	12,351,989
STATE STREET CORP	$234.7M	9,001,680
DIMENSIONAL FUND ADVISORS LP	$206.5M	7,922,500
VANGUARD CAPITAL MANAGEMENT LLC	$181.3M	6,953,275
FMR LLC	$157.4M	6,039,458
AMERICAN CENTURY COMPANIES INC	$157.3M	6,035,164
GEODE CAPITAL MANAGEMENT, LLC	$133.8M	5,132,774
PRICE T ROWE ASSOCIATES INC /MD/	$130.4M	5,003,198
FIRST TRUST ADVISORS LP	$128.8M	4,941,179

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Is FBP a good stock to buy?

13F Pro's AI-powered analysis of FIRST BANCORP /PR/ (FBP) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FBP are available on the FBP stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FBP is classified as a mid company.

Which hedge funds own FBP?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FBP. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST BANCORP /PR/'s investment landscape.