First Bancorp FBNC R2K

Financial Services · Banks - Regional · United States

First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and businesses. The company accepts deposit products, such as checking, savings, and money market accounts; and time deposits, including certificate of deposits and individual retirement accounts. It also offers commercial business loans, commercial and residential real estate construction and mortgage loans, revolving lines of credit, and letters of credit, as well as loans for personal uses, home improvement, and automobiles; and accounts receivable financing and factoring, inventory financing, and purchase order financing services. In addition, the company provides credit and debit cards, safe deposit box rental services, and electronic funds transfer services consisting of wire transfers; and internet and mobile banking, mobile check deposit, cash management, bank-by-phone services, and remote deposit capture services. Further, it offers investment and insurance products, such as mutual funds, annuities, long-term care insurance, life insurance, and company retirement plans; property and casualty insurance products; and financial planning services. The company was founded in 1934 and is headquartered in Southern Pines, North Carolina.

Market & Price

Market Cap

$2.43B

Current Price

$58.83

High / Low (52W)

$61.96 / $39.58

Beta

0.83

Valuation

Stock P/E

20.08

Industry PE

12.01

Forward P/E

11.58

PEG Ratio

1.56

Book Value

$40.68

Price to Book

1.45

P/S

6.19

EV/EBITDA

Dividend Yield

1.63%

Profitability & Returns

ROCE

ROE

7.60%

ROA

0.96%

Profit Margin

30.84%

Op Margin

50.53%

EPS (Latest Qtr)

$1.13

EPS (TTM)

$2.93

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$89.24M

Total Assets

$12.67B

Current Assets

Working Capital

Ownership

Promoter Holding

3.63%

Chg in Prom Hold

FII / Inst Holding

83.51%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$1.93B

Total Revenue (TTM)

$393.33M

EBITDA

Free Cash Flow

Operating Cash Flow

$211.73M

Shares Outstanding

41.38M

Gross Margin

0.00%

Payout Ratio

31.74%

Growth (CAGR)

Revenue 5Y

-0.64%

Profit 5Y

-8.91%

Revenue (YoY)

13.90%

Earnings (YoY)

28.00%

PROS

Excellent profit margin of 30.8%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -0.6% CAGR over 5 years.
Earnings shrank at -8.9% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FBNC First Bancorp R2K	58.83	20.08	$2.43B	1.63%	-	7.60%	-0.64%	-8.91%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	104.62M	109.44M	88.09M	81.88M	121.00M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	39.78M	40.06M	41.71M	37.44M	35.27M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	46.78M	49.82M	25.96M	16.95M	58.99M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.37M	11.26M	5.59M	1.23M	12.33M
Net Income	6.33M	5.68M	6.65M	5.58M	6.99M	6.24M	7.00M	6.84M	7.64M	4.68M	7.55M	11.15M	13.09M	20.67M	22.73M	21.99M	22.29M	23.86M	25.02M	18.18M	16.35M	23.30M	28.19M	29.29M	27.64M	33.97M	36.59M	37.95M	15.16M	29.40M	29.89M	25.27M	28.71M	-	-	36.41M	38.57M	20.36M	15.71M	46.66M
Diluted EPS	0.30	0.27	0.32	0.27	0.33	0.30	0.34	0.33	0.37	0.23	0.34	0.45	0.53	0.70	0.77	0.74	0.75	0.80	0.84	0.62	0.56	0.81	0.99	1.03	0.97	0.95	1.03	1.06	0.37	0.71	0.73	0.61	0.70	-	-	0.88	0.93	0.49	0.38	1.13

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	25.32M	391.56M	399.01M	343.85M	384.04M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	16.10M	142.10M	186.97M	158.99M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	185.22M	131.96M	98.12M	139.50M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	38.28M	27.82M	21.90M	28.45M
Net Income	-	9.98M	13.64M	-23.41M	20.70M	25.00M	27.03M	27.51M	45.97M	89.29M	92.05M	81.48M	95.64M	146.94M	104.13M	76.22M	111.05M
Diluted EPS	3.37	0.35	0.44	-1.54	0.98	1.19	1.30	1.33	1.82	3.01	3.10	2.81	3.19	4.12	2.53	1.84	2.68

Compounded Sales Growth

5 Years:	-0.64%
1 Year:	13.90%

Compounded Profit Growth

5 Years:	-8.91%
1 Year:	28.00%

Stock Price Performance

1 Year:	+44.85%
6 Months:	+15.11%
3 Months:	+4.04%
1 Month:	+2.35%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.28B	3.29B	3.24B	3.19B	3.22B	3.36B	3.61B	5.55B	5.86B	6.14B	7.29B	-	10.63B	12.11B	12.15B	12.67B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	224.78M	350.87M	212.00M	216.17M	241.51M	223.27M	253.08M	267.27M	305.99M	489.49M	462.90M	-	-	-	270.32M	237.85M	507.51M	309.60M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	29.71M	37.35M	36.33M	39.21M
Total Liabilities	-	-	2.93B	2.95B	2.89B	2.81B	2.83B	3.02B	3.25B	4.85B	5.10B	5.29B	6.40B	-	9.59B	10.74B	10.70B	11.01B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	133.89M	46.39M	-	-	-	-	410.67M	406.61M	300.67M	61.83M	-	218.43M	303.83M	14.55M	-2.75M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	237.82M	303.83M	14.55M	-2.75M
Total Equity	-	-	344.60M	345.15M	356.12M	371.92M	387.70M	342.19M	368.10M	692.98M	764.23M	852.40M	893.42M	-	1.03B	1.37B	1.45B	1.65B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.70M	41.11M	41.35M	41.47M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	15.03M	64.11M	37.05M	41.68M	71.88M	47.82M	37.35M	41.27M	26.84M	46.41M	51.24M	58.33M	-	230.65M	131.40M	174.78M	203.13M
Investing Cash Flow	250.77M	72.34M	171.26M	5.72M	45.04M	-25.80M	-138.00M	-240.11M	-128.53M	-313.28M	-424.69M	-961.54M	-	-713.36M	-191.37M	169.67M	-562.07M
Financing Cash Flow	-139.71M	-275.31M	-204.14M	-22.06M	-135.15M	7.79M	114.83M	237.57M	285.19M	240.28M	141.85M	1.04B	-	291.86M	27.51M	-74.80M	161.03M
Capital Expenditure	-5.30M	-17.54M	-6.61M	-8.95M	-6.29M	-4.75M	-5.48M	-8.69M	-4.66M	-10.72M	-3.53M	-12.36M	-	-5.29M	-4.42M	-2.66M	-4.25M
Free Cash Flow	9.73M	46.57M	30.44M	32.73M	65.59M	43.07M	31.87M	32.58M	22.18M	35.69M	47.70M	45.97M	-	225.37M	126.97M	172.12M	198.89M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-190.84M	-32.46M	269.65M	-197.91M
Share Buybacks	-	-	228.00K	2.00K	-	-	-	-	0	0	10.00M	31.87M	4.04M	0	0	0	991.00K

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	377.7%	37.5%	26.1%	22.2%	28.9%
ROE %	-	2.9%	4.0%	-6.6%	5.6%	6.4%	7.9%	7.5%	6.6%	11.7%	10.8%	9.1%	-	14.2%	7.6%	5.3%	6.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

3.63%

Institutions

83.51%

Public Float

86.65%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.06%	5.82M	$342.24M
2	FMR, LLC	8.80%	3.64M	$214.15M
3	State Street Corporation	5.01%	2.07M	$122.06M
4	Vanguard Capital Management LLC	4.28%	1.77M	$104.26M
5	Franklin Resources, Inc.	4.28%	1.77M	$104.24M
6	Dimensional Fund Advisors LP	4.12%	1.71M	$100.34M
7	Ameriprise Financial, Inc.	3.14%	1.30M	$76.41M
8	Westwood Holdings Group Inc.	3.11%	1.29M	$75.61M
9	Geode Capital Management, LLC	2.53%	1.05M	$61.59M
10	Nomura Asset Management International Inc	2.38%	986.23K	$58.02M

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FBNC · Financial Services

First Bancorp

About

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	United States
Employees	1,353
Website	https://localfirstbank.com

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First Bancorp FBNC R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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