FBNC logo

FIRST BANCORP/NC

FBNCNASDAQ
πŸ† #1712 by market capEarnings Jan 19US Equity
$64.23β–² $0.87 (+1.37%)
πŸŒ™ After hours$64.23β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–² 1.4%
7dβ–² 0.4%
14dβ–² 6.3%
30dβ–² 3.0%
ytdβ–² 26.4%
1yβ–² 32.1%
🏦Market Cap
$2.66B
Small Cap
πŸ“ˆRevenue Growth (YoY)
2.3%
Slowing
πŸ“ŠGross Margin
67.0%
High
πŸ’΅FCF Margin
38.1%
Strong
βš–οΈP/S Ratio
5.7x
Fair
Otter Score
72
Strong

Trading Snapshot

Day Range
$63.95 – $65.24
52-Week Range
$47.83 – $66.78
Volume (shares)
184,248
Avg Volume (shares)
β€”
Shares Outstanding
41.4M
Next Earnings
2027-01-19

Fundamentals Snapshot

Annual Revenue
$543M
Last Q Revenue
$169M
P/E Ratio
16.2
P/S Ratio
5.7x
EPS (TTM)
$3.97
Dividend Yield
1.48%
Dilution (1yr)
βˆ’0.2%
FBNC logo

FIRST BANCORP/NC

FBNC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$543Mβ–² +2.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
70.1%β–² +13.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$144Mβ–² +47.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$199Mβ–² +15.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
41.4Mβ–Ό βˆ’0.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$72Mβ–Ό βˆ’$421M YoY
StockOtter Β· stockotter.space

About FIRST BANCORP/NC

First Bancorp (FBNC) functions as the parent company of First Bank, offering a diverse array of financial solutions to individuals and small to medium-sized businesses. Its operational focus is primarily within North Carolina and the northeastern region of South Carolina. The institution provides various deposit options, such as transactional accounts (checking, savings, money market) and fixed-term products, including certificates of deposit and individual retirement accounts. For its lending portfolio, First Bank extends credit for a wide range of consumer and commercial purposes. This encompasses financing for businesses, real estate, personal needs, home improvements, and vehicle purchases, alongside residential mortgages and Small Business Administration (SBA) loans. Additionally, it offers specialized commercial funding options like accounts receivable financing, factoring, inventory financing, and purchase order financing. Beyond core banking, clients have access to credit and debit cards, letters of credit, and safe deposit box rentals. Its digital and electronic services include wire transfers, online and mobile banking platforms, cash management tools, telephone banking, and remote check deposit capabilities. Furthermore, First Bancorp provides investment and insurance products, featuring mutual funds, annuities, various insurance policies (long-term care, life, property, and casualty), and company retirement plans. Comprehensive financial planning services are also available. As of December 31, 2021, the company maintained an extensive network of 121 branches, with 114 located in North Carolina and 7 in South Carolina. First Bancorp was established in 1934 and its corporate headquarters are situated in Southern Pines, North Carolina.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
72/100

Analyst Ratings

β“˜
Consensus
Buy
11 analysts
Strong Buy4
Buy4
Hold3
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

MarketBeatΒ·7d ago

First BanCorp. Q3 Earnings Call Highlights

First BanCorp. NYSE: FBP reported third-quarter net income of $96.1 million, or $0.63 per share, as stable credit quality and commercial loan growth helped offset softer net interest income, lower non-interest income and

Zacks Investment ResearchΒ·7d ago

Compared to Estimates, First Bancorp (FBNC) Q3 Earnings: A Look at Key Metrics

Although the revenue and EPS for First Bancorp (FBNC) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates

Zacks Investment ResearchΒ·8d ago

First Bancorp (FBNC) Beats Q3 Earnings and Revenue Estimates

First Bancorp (FBNC) came out with quarterly earnings of $1.24 per share, beating the Zacks Consensus Estimate of $1.18 per share. This compares to earnings of $1.01 per share a year ago.

PRNewsWireΒ·8d ago

First Bancorp Reports Third Quarter Results

Third Quarter 2026 Financial Data Β  (Dollars in 000s, except per share data) Q3-2026 Q2-2026 Q3-2025 Summary Income Statement Total interest income $Β 153,979 $Β 148,315 $Β 144,233 Total interest expense 39,182 37,049 41,71

Zacks Investment ResearchΒ·8d ago

First Bancorp (FBNC) Earnings Expected to Grow: Should You Buy?

First Bancorp (FBNC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Zacks Investment ResearchΒ·14d ago

Will First Bancorp (FBNC) Beat Estimates Again in Its Next Earnings Report?

First Bancorp (FBNC) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.