Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Hilltop Holdings Inc. or First BanCorp. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Hilltop Holdings Inc. and First BanCorp. compare based on key financial metrics to determine which better meets your investment needs.

About Hilltop Holdings Inc. and First BanCorp.

Hilltop Holdings Inc. provides business and consumer banking services. The company operates through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, term, agricultural and commercial real estate, equipment loans, and other lending products; and mortgage, commercial and industrial loans, and term and construction finance. It provides treasury management, asset management, check cards, safe deposit boxes, online banking, bill pay, and overdraft privilege services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts services, as well as automated teller machines. The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; advisory services and products for derivatives and commodities; agricultural insurance; and sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds; mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products; and provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers fixed and adjustable rate mortgages, jumbo, new construction, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was incorporated in 1998 and is headquartered in Dallas, Texas.

First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans. The Consumer (Retail) Banking segment is involved in consumer lending, commercial lending to small businesses, commercial transaction banking, and deposit-taking activities. The Commercial and Corporate Banking segment offers lending and other services, including commercial lending and commercial deposit-taking activities. The Treasury and Investments segment manages funding; and obtains funds through brokered deposits, advances from the FHLB, and repurchase agreements involving investment securities, among other funding sources. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers automobile financing and insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.

Latest Banks and Hilltop Holdings Inc., First BanCorp. Stock News

As of September 2, 2026, Hilltop Holdings Inc. had a $2.2 billion market capitalization, compared to the Banks median of $750.0 million. Hilltop Holdings Inc.’s stock is up 14.6% in 2026, up 0.9% in the previous five trading days and up 10.34% in the past year.

Currently, Hilltop Holdings Inc.’s price-earnings ratio is 14.3. Hilltop Holdings Inc.’s trailing 12-month revenue is $1.3 billion with a 12.7% net profit margin. Year-over-year quarterly sales growth most recently was 5.2%. Analysts expect adjusted earnings to reach $2.407 per share for the current fiscal year. Hilltop Holdings Inc. currently has a 2.3% dividend yield.

As of September 2, 2026, First BanCorp. had a $4.3 billion market cap, putting it in the 65th percentile of all stocks. First BanCorp.’s stock is up 37.2% in 2026, up 2.7% in the previous five trading days and up 29.18% in the past year.

Currently, First BanCorp.’s price-earnings ratio is 12.0. First BanCorp.’s trailing 12-month revenue is $954.2 million with a 39.0% net profit margin. Year-over-year quarterly sales growth most recently was 9.4%. Analysts expect adjusted earnings to reach $2.397 per share for the current fiscal year. First BanCorp. currently has a 2.8% dividend yield.

How We Compare Hilltop Holdings Inc. and First BanCorp. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Hilltop Holdings Inc. and First BanCorp.’s stock grades to see how they measure up against one another.

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Hilltop Holdings Inc. and First BanCorp. Stock Value Grades

Company	Ticker	Value
Hilltop Holdings Inc.	HTH	A
First BanCorp.	FBP	B

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Hilltop Holdings Inc. has a Value Score of 88, which is Deep Value. First BanCorp. has a Value Score of 66, which is Value.

The Value Stock Winner: Hilltop Holdings Inc.

As you can clearly see from the Value Grade breakdown above, Hilltop Holdings Inc. is considered to have better value than First BanCorp.. For investors who focus solely on a company’s valuation, Hilltop Holdings Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Hilltop Holdings Inc. and First BanCorp. Growth Grades

Company	Ticker	Growth
Hilltop Holdings Inc.	HTH	F
First BanCorp.	FBP	B

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Hilltop Holdings Inc. has a Growth Score of 8, which is Very Weak. First BanCorp. has a Growth Score of 64, which is Strong.

The Growth Grade Winner: First BanCorp.

As you can clearly see from the Growth Grade breakdown above, First BanCorp. has a more attractive growth grade than Hilltop Holdings Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, First BanCorp. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Hilltop Holdings Inc. and First BanCorp.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Hilltop Holdings Inc.	HTH	C
First BanCorp.	FBP	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Hilltop Holdings Inc. has a Earnings Estimate Score of 55, which is Neutral. First BanCorp. has a Earnings Estimate Score of 66, which is Positive.

The Earnings Estimate Revisions Grade Winner: First BanCorp.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, First BanCorp. has a better Earnings Estimate Revisions Grade than Hilltop Holdings Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, First BanCorp. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Hilltop Holdings Inc. and First BanCorp. Grades

In addition to Growth, Value and Estimate Revisions, A+ Investor also provides grades for Momentum and Quality.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Hilltop Holdings Inc. and First BanCorp. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Hilltop Holdings Inc. or First BanCorp. Stock?

Overall, Hilltop Holdings Inc. stock has a Value Score of 88, Growth Score of 8 and Estimate Revisions Score of 55.

First BanCorp. stock has a Value Score of 66, Growth Score of 64 and Estimate Revisions Score of 66.

Comparing Hilltop Holdings Inc. and First BanCorp.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.