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First Bancorp /PR/ Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 15 Mar 2023.
First Bancorp /PR/: what insiders have been doing
Headquartered in San Juan, United States, First Bancorp /PR/ belongs to the Finance & Banking sector. Filings by its managers are published through SEC (Form 4). From 18 October 2025 to 18 October 2026, the disclosure feed for First Bancorp /PR/ logged 47 filings by 20 insiders.
The flow runs one way only: 6 sales worth €2.0M, from 4 insiders, and no purchase. At €648k, the sale published on 4 September 2026 by Herencia Roberto R is the largest of the period (0.018% of market cap).
With 47 filings in twelve months, the company is more active than the median of 22 filings across the 5,458 companies we follow on the same exchange. Over the whole record (from 2016), the tally stands at 6 purchases and 53 sales. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists net income at 344.9 m USD; the dividend was 0.72 USD per share.
Filings reach the SEC (Form 4) feed a median of 2 days after the trade. The legal deadline for a Form 4 is two business days after the transaction. Keep in mind that insiders sell for many reasons unrelated to the outlook, from tax bills to estate planning.
In the same sector, recent insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc also feature in our signals. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
Insider Decl.
326
Thresholds
n/a
Buy Volume
€128,232
6 ops. · all time
Sell Volume
€28M
53 ops. · all time
Who traded when
BuySaleNayda Rivera5 sales
Roberto R. Herencia4 sales
Aleman Aurelio3 sales
Kafka Donald2 sales
Daniel Edward Frye1 sale
John A. Heffern1 sale
+4 other insiders
Analyst consensus: bullish or bearish?
Analysts rate First Bancorp /PR/ Buy (bullish), based on 7 analysts. Average price target: US$31.43.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 315 of 24,148 companies
86.0
score / 100
Value82
Quality90
FCF yld10%
Earn yld8.3%
EV/EBITDA·
ROE19%
Gross mgn·
Net mgn36%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$27.37
Analyst consensus
7 analystsBuy
US$30.00Target US$31.43(+15%)US$33.00
Income statement
RevenueUS$961.7M
Net incomeUS$344.9M39.0% margin
Valuation
PER (trailing)11.5x
PER (forward)10.6x
P/Book2.1x
Beta0.83
Balance sheet & cash
Market capUS$4.2B
Total debtUS$290M
Free Cash FlowUS$437.5M
Profitability & ownership
ROE19.5%
ROA2.0%
% insiders1.8%
% institutions98.3%
Last declaration on 2 October 2026
Declarations326 total
250.843 shares@ US$19.9134.5% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412425:0
71 shares@ US$26.340.0000% mcap0.4% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412442:0
1,518 shares@ US$26.340.0010% mcap9.5% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412442:1
182 shares@ US$26.340.0001% mcap2.0% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412440:0
1,518 shares@ US$26.340.0010% mcap16.3% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412440:1
19 shares@ US$26.340.0000% mcap0.5% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412425:1
1,518 shares@ US$26.340.0010% mcap36.5% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412425:2
3,796 shares@ US$26.340.0025% mcap1.9% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412423:0
182 shares@ US$26.340.0001% mcap6.5% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412418:0
1,518 shares@ US$26.340.0010% mcap53.9% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412418:1
1,518 shares@ US$26.340.0010% mcap13.1% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-412408:0
26,350 shares@ US$28.4810.018% mcap14.0% of flowFirst BanCorp Common Stock, pay value $0.10 per shareSEC:0001193125-26-383799:0
10,000 shares@ US$28.18520.0067% mcap5.8% of flowFirst BanCorp Common Stock, pay value $0.10 per shareSEC:0001193125-26-374610:0
10,000 shares@ US$28.200.0029% mcap100.0% of flowFirst BanCorp Common StockSEC144:0001628280-26-059129
10,000 shares@ US$29.5920.0071% mcap6.1% of flowFirst BanCorp Common Stock, pay value $0.10 per shareSEC:0001193125-26-357088:0
10,000 shares@ US$29.400.0071% mcap6.1% of flowFirst BanCorp Common StockSEC144:0001628280-26-057424
123,197 shares@ US$28.750.087% mcap43.1% of flowCommonSEC144:0001965301-26-000093
2,518 sharesFirst BanCorp Common Stock, par value $0.10 per shareSEC:0001193125-26-294868:0
4,760 sharesFirst BanCorp Common Stock, par value $0.10 per shareSEC:0001193125-26-294868:1
4,523 sharesFirst BanCorp Common Stock, par value $0.10 per shareSEC:0001193125-26-294868:2
8,000 shares@ US$24.33460.0045% mcap17.8% of flowFirst BanCorp Common Stock, par value $0.10 per shareSEC:0001193125-26-261639:0
209 shares@ US$21.362.7% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-137847:0
1,872 shares@ US$21.3624.2% of flowFirst BanCorp Common Stock, par value $0.10 per share.SEC:0001193125-26-137847:1
13,576 shares@ US$20.595.8% of flowFirst BanCorp Common Stock, par value $0.10 per shareSEC:0001193125-26-120163:0
9,471 shares@ US$20.5921.5% of flowFirst BanCorp Common Stock, par value $0.10 per shareSEC:0001193125-26-120161:0
25 of 326 declarations
About First Bancorp /PR/
First BanCorp. (ticker: FBP) is a U.S.-listed banking holding company traded on the NYSE in the United States, operating primarily through its flagship subsidiary, FirstBank Puerto Rico. The company is headquartered in San Juan, Puerto Rico, and has long-standing roots in the Puerto Rican banking market; SEC filings indicate the business traces back to 1948. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1057706/000119312511347391/d269705ds1.htm?utm_source=openai))
First BanCorp. operates as a diversified regional bank with a mix of consumer banking, commercial and corporate banking, mortgage banking, treasury and investments, plus separate United States and Virgin Islands operations. This structure gives it a broad product set relative to its size and reflects its role as an integrated financial services provider for households, small businesses, corporates, and selected public-sector borrowers. The company states that Puerto Rico is its principal market, while FirstBank also lends in the U.S. Virgin Islands, the British Virgin Islands, and in the mainland United States, principally Florida. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1057706/000105770626000012/fbp-20260331.htm?utm_source=openai))
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From a competitive standpoint, First BanCorp. is a well-established local franchise in Puerto Rico, where its scale, branch presence, and relationships with depositors and borrowers provide important advantages. At the same time, the group remains geographically concentrated, which means its earnings and credit performance are more exposed to Puerto Rico’s economic conditions than those of a more diversified U.S. super-regional bank. Recent SEC disclosures show the loan book remains heavily Puerto Rico-weighted, with meaningful exposure in the U.S. and a smaller share in the U.S. Virgin Islands and the British Virgin Islands. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1057706/000105770625000012/fbp-20250930.htm?utm_source=openai))
Its core products include deposit accounts, consumer lending, commercial and corporate loans, mortgage lending, and treasury/investment-related services. Mortgage banking remains an important business line, while consumer and commercial banking support customer acquisition, funding, and relationship depth. In practice, First BanCorp. functions as a full-service bank in its home market, with complementary operations beyond Puerto Rico. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1057706/000105770626000012/fbp-20260331.htm?utm_source=openai))
Recent company disclosures for 2025 and 2026 indicate continued execution across its main segments: Mortgage Banking, Consumer (Retail) Banking, Commercial and Corporate Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The filings also suggest a continued focus on portfolio management, credit discipline, and public-sector lending in Puerto Rico. For investors, FBP is best viewed as a niche U.S. regional banking name with a Puerto Rico-centered franchise, listed on the NYSE, offering exposure to a specialized market with both franchise strength and geographic concentration risk. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1057706/000105770625000012/fbp-20250930.htm?utm_source=openai))
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