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First Bancorp: Business Overview, Financials & Competitive Analysis

First BanCorp is a bank holding company that provides commercial banking, consumer financing, mortgage services, and insurance products across Puerto Rico, the U.S. mainland, and the Caribbean, tracing its roots back ...

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First Bancorp OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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7/ 10Strong

Cyborg Score thesis

Puerto Rico-focused regional bank with improving profitability and shareholder returns, well-positioned in its primary market...

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Industry Regional Banking & Financial Services
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: June 29, 2026
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First Bancorp Overview

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First BanCorp is a bank holding company that provides commercial banking, consumer financing, mortgage services, and insurance products across Puerto Rico, the U.S. mainland, and the Caribbean, tracing its roots back to 1948 in San Juan. The company reported Q1 2026 revenue of $258.6 million, up 4.2% year-over-year, exceeding market expectations.

Strategic Profile

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First BanCorp received a Strong Buy upgrade from Raymond James after reporting solid Q1 2026 core results. The company is pursuing early-stage AI and cloud migration initiatives while expanding branch presence in Florida and Puerto Rico's West Coast, projecting to acquire 4,000 new retail and small business clients.

Competitive Landscape

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First BanCorp's 6% five-year revenue CAGR trails the broader banking sector, though the company still maintains competitive strengths in its Caribbean-focused niche. Primary competitors include Puerto Rico-based Oriental Bank, Banco Latinoamericano de Exportaciones (regional), and larger U.S. regional banks with Caribbean operations. First BanCorp's diversified platform across Puerto Rico, U.S. mainland, and Virgin Islands differentiates it from pure Puerto Rico players.

Industry Context

First Bancorp operates in Regional Banking & Financial Services.

Key facts

Founded: 1948 · Headquarters: San Juan, Puerto Rico · Revenue: $1.04B

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The top findings that survived the multi-agent debate for First Bancorp.

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Oriental BankPuerto Rico-based financial services→Banco PopularCaribbean regional bank→Banco Latinoamericano de ExportacionesLatin American trade finance specialist→

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Industry context

First Bancorp operates in Regional Banking & Financial Services. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does First Bancorp do?+
First BanCorp is a bank holding company that provides commercial banking, consumer financing, mortgage services, and insurance products across Puerto Rico, the U.S. mainland, and the Caribbean, tracing its roots back ...
What is First Bancorp's Cyborg Score?+
First Bancorp has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are First Bancorp's main competitors?+
Named competitors include Oriental Bank, Banco Popular, Banco Latinoamericano de Exportaciones. The full competitive landscape is in the AskCyborg report.
How can I get the full First Bancorp research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the First Bancorp research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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