First BanCorp (STU:OLWN) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:OLWN First BanCorp STU:OLWN
68 GF Score
Price €24.80
GF Value €19.58
! 6 Warning Signs
View Full Analysis

What is First BanCorp Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

STU:OLWN
68GF Score
First BanCorp STU:OLWN
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is First BanCorp (STU:OLWN) Overvalued in 2026?

Based on GuruFocus' analysis, First BanCorp stock appears to be overvalued. The current stock price of €24.80 is trading 26.7% above its estimated GF Value™ of €19.58.

Key valuation signals for STU:OLWN:

  • Altman Z-Score:
  • GF Value™: €19.58 vs. price of €24.80 (26.7% above fair value)
  • GF Score™: 68/100 with 6 warning signs

No single metric tells the full story. See the STU:OLWN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First BanCorp Business Description

Other Exchanges FBP:USA
Address 1519 Ponce de Leon Avenue, Stop 23, San Juan, PRI, 00908-0146
First BanCorp is a financial holding company. The company's operating segment includes Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Consumer (Retail) Banking segment generates the majority of revenue, which consists of the Corporation's consumer lending and deposit-taking activities conducted mainly through its branch network and loan centres. Geographically, it derives a majority of revenue from Puerto Rico.
68GF Score

Get the complete analysis for STU:OLWN

Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€24.80
Price
€19.58
GF Value