FBNC logo

FIRST BANCORP/NC

FBNCNASDAQ
πŸ† #1718 by market capEarnings Oct 28US Equity
$65.55β–² $0.34 (+0.52%)
Live
1hβ–Ό 0.2%
24hβ–² 0.5%
7dβ–² 1.0%
14dβ–² 3.9%
30dβ–² 2.0%
1yβ–² 26.5%
🏦Market Cap
$2.71B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+40.5%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
24.4%
Strong
βš–οΈP/S Ratio
3.2x
Fair
Otter Score
46
Weak

Trading Snapshot

Day Range
$64.97 – $66.03
52-Week Range
$45.96 – $66.54
Volume
$2.67B
Avg Volume
$2.75B
Shares Outstanding
41.4M
Next Earnings
Sep 21, 2026

Fundamentals Snapshot

Annual Revenue
$543M
Last Q Revenue
$21M
P/E Ratio
22.1
P/S Ratio
3.2x
EPS (TTM)
$2.93
Dividend Yield
1.41%

Why Investors Own FBNC

  • βœ“High-growth profile β€” revenue up +52.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 43% gross margin and 19% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$543Mβ–² +49.4% YoY
Gross Margin (TTM)
43.0%β–² +2.3% YoY
Operating Income (TTM)
$115Mβ–² +49.4% YoY
Free Cash Flow (TTM)
$105Mβ–² +49.4% YoY

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.

🦦

Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
46/100

Analyst Price Target

β“˜
Average Target
$67.41
β–² +2.8% Upside
High Target$78.70
Low Target$49.92
Based on 41 analysts

Latest News & Updates