Three independent discounted-cash-flow-style models value First BanCorp. every trading day. 1 of 3 currently price FBP above its market price.
| Free Cash Flow model | $19.22 |
| Excess Profit model | $40.54 |
| Residual Earnings model | $21.34 |
| Dividend Discount model | $45.03 |
| Piotroski F-Score | 8 / 9 |
| Return on invested capital | +14.6% |
| Net debt / EBITDA | -0.9× |
| Gross margin | +100.0% |
| Revenue CAGR | +8.4% |
| Cash conversion | 1.3× |
| Dividend yield | +2.9% |
| Buyback yield | +2.8% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
Open FBP in StockKitty