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First Bancorp FBNC R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://localfirstbank.com
Company Profile ↓
$64.44
+24.17% 1Y
Mkt Cap$2.67B
P/E20.01
P/B1.43
Div. Yield1.61%
52W High$66.08
52W Low$45.57
Book Value$41.49
EPS (TTM)$3.22

Company Overview

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.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 27.8% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 32.4%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $67.62M (-3.6% YoY); net profit $111.05M.
  • Trailing 12 Months Year-on-year growth — revenue +16.0%, earnings +31.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 27.8%, profit CAGR 4.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:27.83%
1 Year:16.00%

Compounded Profit Growth

5 Years:4.34%
1 Year:31.20%

Stock Price Performance

1 Year:+24.17%
6 Months:+11.32%
3 Months:+3.37%
1 Month:+3.01%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 92% of range
$45.57 $66.08
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)63.31 · Neutral
Price Performance
1M+3.01%
3M+3.37%
6M+11.32%
1Y+24.17%
Valuation vs Sector

P/E of 20.01 is above the sector median of 13.55 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 32.4%.
  • Compounding revenue at 27.8% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
20.01
Industry PE
13.55
Forward P/E
12.79
PEG Ratio
1.56
Book Value
$41.49
Price to Book
1.43
P/S
5.96
EV/EBITDA
-
Dividend Yield
1.61%

Growth (CAGR)

Revenue 5Y
27.83%
Profit 5Y
4.34%
Revenue (YoY)
16.00%
Earnings (YoY)
31.20%

Profitability & Returns

ROCE
-
ROE
8.14%
ROA
1.04%
Profit Margin
32.44%
Op Margin
51.19%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.22
EPS (TTM)
$3.22

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$88.98M
Total Assets
$13.04B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.93%
Chg in Prom Hold
-0.07%
FII / Inst Holding
84.69%
Chg in FII Hold
-0.35%

Financial Snapshot

Enterprise Value
$2.67B
Total Revenue (TTM)
$410.72M
EBITDA
-
Free Cash Flow
$198.89M
Operating Cash Flow
$232.50M
Shares Outstanding
41.40M
Gross Margin
0.00%
Payout Ratio
29.19%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FBNC First Bancorp R2KR3KFINANCIAL 64.44 20.01 $2.67B 1.61% - 8.14% 27.83% 4.34%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Net Income 5.59M6.33M5.68M6.65M5.58M6.99M6.24M7.00M6.84M7.64M4.68M7.55M11.15M13.09M20.67M22.73M21.99M22.29M23.86M25.02M18.18M16.35M23.30M28.19M29.29M27.64M33.97M36.59M37.95M15.16M29.40M29.89M25.27M28.71M18.68M36.41M38.57M20.36M46.66M50.52M
Diluted EPS 0.270.300.270.320.270.330.300.340.330.370.230.340.450.530.700.770.740.750.800.840.620.560.810.991.030.970.951.031.060.370.710.730.610.700.450.880.930.491.131.22

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------------25.32M17.45M32.82M70.12M67.62M
Net Income 56.29M9.98M13.64M-23.41M20.70M25.00M27.03M27.51M45.97M89.29M92.05M81.48M95.64M146.94M104.13M76.22M111.05M
Diluted EPS 3.370.350.44-1.540.981.191.301.331.823.013.102.813.194.122.531.842.68

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --3.28B3.29B3.24B3.19B3.22B3.36B3.61B5.55B5.86B6.14B7.29B10.51B10.63B12.11B12.15B12.67B
Total Equity 219.87M342.38M344.60M345.15M356.12M371.92M387.70M342.19M368.10M692.98M764.23M852.40M893.42M1.23B1.03B1.37B1.45B1.65B
Cash & Equivalents 224.78M350.87M212.00M216.17M241.51M223.27M253.08M267.27M305.99M489.49M462.90M-------
Long Term Debt ---133.89M46.39M----410.67M406.61M300.67M61.83M67.39M287.51M630.16M91.88M74.57M
Total Liabilities --2.93B2.95B2.89B2.81B2.83B3.02B3.25B4.85B5.10B5.29B6.40B9.28B9.59B10.74B10.70B11.01B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 15.03M64.11M37.05M41.68M71.88M47.82M37.35M41.27M26.84M46.41M51.24M58.33M142.34M230.65M131.40M174.78M203.13M
Investing Cash Flow 250.77M72.34M171.26M5.72M45.04M-25.80M-138.00M-240.11M-128.53M-313.28M-424.69M-961.54M-1.27B-713.36M-191.37M169.67M-562.07M
Financing Cash Flow -139.71M-275.31M-204.14M-22.06M-135.15M7.79M114.83M237.57M285.19M240.28M141.85M1.04B1.23B291.86M27.51M-74.80M161.03M
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-9.40M-5.29M-4.42M-2.66M-4.25M
Free Cash Flow 9.73M46.57M30.44M32.73M65.59M43.07M31.87M32.58M22.18M35.69M47.70M45.97M132.93M225.37M126.97M172.12M198.89M
Share Buybacks --228.00K2.00K----0010.00M31.87M4.04M000991.00K

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ------------377.7%842.1%317.3%108.7%164.2%
ROE % 16.4%2.9%4.0%-6.6%5.6%6.4%7.9%7.5%6.6%11.7%10.8%9.1%7.8%14.2%7.6%5.3%6.7%
ROCE % -----------------

Shareholding Pattern

Insiders
1.93%
Institutions
84.69%
Public Float
86.35%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.38% 5.95M $352.03M
2 FMR, LLC 8.94% 3.70M $218.84M
3 State Street Corporation 5.25% 2.17M $128.64M
4 Vanguard Capital Management LLC 4.43% 1.83M $108.56M
5 Dimensional Fund Advisors LP 4.13% 1.71M $101.00M
6 Franklin Resources, Inc. 4.06% 1.68M $99.39M
7 Ameriprise Financial, Inc. 2.95% 1.22M $72.22M
8 Westwood Holdings Group Inc. 2.75% 1.14M $67.35M
9 Geode Capital Management, LLC 2.65% 1.10M $64.91M
10 Nomura Asset Management International Inc 2.30% 953.29K $56.41M

Analyst View

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Latest News

Recent headlines for FBNC

Google News hu, 22 Oct 2026

First Bancorp (FBNC) Stock Forecasts - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMijwFBVV95cUxNdThtaXY5WUVuTmJobWE3S3JtbXVTd0F3cDJQUVhSeUxVNEJQOTBCWDJQVC1xU0NJUU1mYmhwYWd5WW10a3FBWFl1MDcwQUliZjJ0ZVRqbUJoN0N3cjVBcHd0NXJpQ3lkOW01cW9CZHIxLUVRZUhmc1BoWlVEUUd5MVRNY1BCWmNwNlJOdj…

Google News hu, 22 Oct 2026

FBNC Maintained by Piper Sandler -- Price Target Raised to $66.0 - GuruFocus

<a href="https://news.google.com/rss/articles/CBMiuAJBVV95cUxPdE4zd0ZOdktiZDdGZC1RaHE2WnFKbmdhTDFSMTJSZm83cWVfeTdaeVBGU1YtVllFbTB2b242X0V5SXFXLTZ4MEJHbE9JbkpMQnNxMXRsRllXLXpFaVJyLUNQOGdzTnRaV0JpdFEtZGFCamc1LUprb0ZfVDRodnZ0VGI2X1kzSU1SWUoydn…

Google News hu, 22 Oct 2026

First Bancorp (FBNC) Stock Climbs As Q3 Earnings Fuel Margin Strength - Simply Wall Street

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Google News Wed, 21 Oct 2026

Loans grew 8.1% in a year at First Bancorp, which reported $51.3 million in quarterly profit. - Stock Titan

<a href="https://news.google.com/rss/articles/CBMilAFBVV95cUxNMzVLNG9qMTY4Nzh0VjNmU2VaQ2R4aDhLM2ZVc1BjcnFuS254OTUyRV82UDVZOHZVNlRtb2JvWDU2cng4QVRvLVpBTHV5SE5iWDR2ODNkRkZHTjE1aGY5UlNqMmY3Ukoxb0ZFWW10QjRQeWZoTHBZVjJuQ3Etbm9NTHA2SVRweHJrSlNVU2…

Google News Wed, 21 Oct 2026

Earnings Flash (FBNC) First Bancorp Posts Q3 Adjusted EPS $1.24 per Share, vs. FactSet Est of $1.18 - www.marketscreener.com

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Google News Wed, 21 Oct 2026

First Bancorp (FBNC) Beats Q3 Earnings and Revenue Estimates - Yahoo Finance

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FBNC — Frequently Asked Questions

What is the current share price of First Bancorp (FBNC)?

As of 2026-10-23 16:27 PDT, First Bancorp (FBNC) trades at $64.44 on NasdaqGS. Its 52-week range is $45.57 to $66.08.

What is the market capitalisation of FBNC?

First Bancorp (FBNC) has a market capitalisation of $2.67B on NasdaqGS.

What is the P/E ratio of FBNC?

FBNC trades at a trailing price-to-earnings (P/E) ratio of 20.01. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.43.

Does FBNC pay a dividend?

First Bancorp (FBNC) currently offers a dividend yield of 1.61%.

What is the return on equity (ROE) of FBNC?

FBNC has a return on equity (ROE) of 8.14%.

Is FBNC a good stock to buy?

This page provides a data-driven analysis of First Bancorp (FBNC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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