First Carolina Financial Services, Inc. FCBM FINANCIAL
Company Overview
First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services in the United States. It operates through two segments, Community Banking and BM Tech business line. The company offers business services including checking, savings, money market deposit accounts, certificates of deposit, individual retirement accounts, and large deposit insurance; commercial financing and real estate loans and consumer loans; credit and debit cards; online banking and bill pay services; remote deposit capture, treasury management, merchant services, and wealth management services; attorney advantage accounts and interest on lawyer trust accounts; payments services; consumer banking; real estate banking; commercial and industrial banking; higher education disbursements; BankMobile platform; and retail banking services. It serves small and medium-sized businesses, individuals, professionals, and institutions. The company was incorporated in 2009 and is headquartered in Raleigh, North Carolina.
Why Investors Should Care
Revenue has grown at a 47.8% CAGR over the past five years.
Operating margin of 29.0% supports profitability.
Carries low leverage with a debt-to-equity ratio of 0.40.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $137.76M (+92.6% YoY); net profit $12.20M.
- Trailing 12 Months Year-on-year growth — revenue -13.3%, earnings +11.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 47.8%, profit CAGR -21.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 47.81% |
| 1 Year: | -13.30% |
Compounded Profit Growth
| 5 Years: | -21.16% |
| 1 Year: | 11.10% |
Stock Price Performance
| 1 Year: | +0.71% |
| 6 Months: | - |
| 3 Months: | - |
| 1 Month: | +1.60% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- RSI (14)50.89 · Neutral
P/E of 28.20 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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
- Compounding revenue at 47.8% over 5 years.
- Generates positive free cash flow.
CONS
- Earnings shrank at -21.2% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | FCBM First Carolina Financial Services, Inc. FINANCIAL | 12.69 | 28.20 | $394.26M | 0.00% | - | 3.52% | 47.81% | -21.16% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 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 | Mar 2025 | Mar 2026 |
|---|---|---|
| Revenue | 31.48M | 32.64M |
| Cost of Revenue | - | - |
| Gross Profit | - | - |
| Operating Expenses | - | - |
| Operating Income | - | - |
| EBITDA | - | - |
| Interest Expense | 20.82M | 20.67M |
| Pretax Income | 5.82M | 7.33M |
| Tax Provision | 1.12M | 1.42M |
| Net Income | 4.71M | 5.91M |
| Diluted EPS | 0.16 | 0.20 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Revenue | 63.06M | 71.53M | 137.76M |
| Cost of Revenue | - | - | - |
| Gross Profit | - | - | - |
| Operating Expenses | - | - | - |
| Operating Income | - | - | - |
| EBITDA | - | - | - |
| Interest Expense | 69.69M | 84.77M | 92.91M |
| Pretax Income | 24.70M | 26.44M | 15.55M |
| Tax Provision | 5.07M | 5.53M | 3.35M |
| Net Income | 19.63M | 20.91M | 12.20M |
| Diluted EPS | 0.65 | 0.69 | 0.40 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Total Assets | 2.73B | 3.04B | 3.32B |
| Current Assets | - | - | - |
| Cash & Equivalents | 160.97M | 168.06M | 134.12M |
| Inventory | - | - | - |
| Receivables | 8.96M | 10.05M | 10.62M |
| Total Liabilities | 2.46B | 2.70B | 2.97B |
| Current Liabilities | - | - | - |
| Long Term Debt | 63.22M | 63.33M | 63.44M |
| Total Debt | 63.22M | 163.33M | 138.44M |
| Total Equity | 268.37M | 337.32M | 346.93M |
| Shares Outstanding | 30.25M | 30.25M | 30.25M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Operating Cash Flow | -30.69M | 61.94M | 35.92M |
| Investing Cash Flow | -524.27M | -347.35M | -322.96M |
| Financing Cash Flow | 585.89M | 292.49M | 253.09M |
| Capital Expenditure | -7.07M | -4.76M | -3.89M |
| Free Cash Flow | -37.76M | 57.18M | 32.03M |
| Net Change in Cash | 30.93M | 7.08M | -33.94M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Gross Margin % | - | - | - |
| Operating Margin % | - | - | - |
| Net Margin % | 31.1% | 29.2% | 8.9% |
| ROE % | 7.3% | 6.2% | 3.5% |
| ROCE % | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | BANC FUNDS CO LLC | 4.31% | 1.34M | $16.99M |
| 2 | Wellington Management Group, LLP | 3.80% | 1.18M | $14.98M |
| 3 | Mendon Capital Advisors Corp | 2.25% | 700.00K | $8.88M |
| 4 | Curi Capital LLC | 2.07% | 642.70K | $8.16M |
| 5 | Endeavour Capital Advisors Inc | 1.54% | 480.00K | $6.09M |
| 6 | Adage Capital Partners GP L.L.C. | 1.37% | 425.00K | $5.39M |
| 7 | Emerald Mutual Fund Advisers Trust | 1.33% | 414.09K | $5.25M |
| 8 | Fourthstone LLC | 1.21% | 377.23K | $4.79M |
| 9 | General American Investors Company Inc | 0.67% | 207.61K | $2.63M |
| 10 | Alliancebernstein L.P. | 0.44% | 136.00K | $1.73M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for FCBM
3 U.S. Financial Stocks That Could Benefit If High Rates Keep Cash Yields Elevated - simplywall.st
<a href="https://news.google.com/rss/articles/CBMi2AFBVV95cUxPU1BzeFBuQTc0RjdPRV9GUFBnZ1IzVDl3ZUZQalpuVE9vUHZrOVNVV2JsMHIxRlJNLXVEY3VjNGdvaGc1WmVJVXhKbXVzYjJzT00wOFZVVmIwTTN6ZHRoS3pVRFdMVlFwd3gtbHdSeGZ4ejdCNTgxZm0zazZCNi03WGhuUlhGak1Bd2VydU…
First Carolina Financial Services Needs Time To Catch Up To Its Valuation - Seeking Alpha
<a href="https://news.google.com/rss/articles/CBMitAFBVV95cUxPWTltQk9wVFZ5UnVZS3BrZ0VqQ3YydUNVTkdxRGVhQ2dCQUxKTmZ4Nk1BVjRERnRXUkt2WHpmTjFrREV2QjJfQ0RvXzZ1MzFYRURyS0ZlcjU4ckI4R0NNRlV6UFhaaXg3alh6d282OEdHdWY1MHRjQ2t6THFvdEs5UkwtWjFaNE1RZUp0U3…
First Carolina Receives About $69.3M in IPO Net Proceeds - Stock Titan
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First Carolina Financial Services (FCBM) Stock Price, News & Analysis - marketbeat.com
<a href="https://news.google.com/rss/articles/CBMiV0FVX3lxTE85bG5oTWdEQ2owNUFoOTRJM1J6VTJkU1EwUDZkZVZZbEhVTGF1QjlweVNUT0U4R05jNWNwLXJycGtJczdzVlF5U19qRVBJVmNaSWNKUU56bw?oc=5" target="_blank">First Carolina Financial Services (FCBM) Stock Pr…
FCBM Stock Price and Chart — NYSE:FCBM - tradingview.com
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FCBM - Finviz
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FCBM — Frequently Asked Questions
What is the current share price of First Carolina Financial Services, Inc. (FCBM)?
As of 2026-09-19 21:16 PDT, First Carolina Financial Services, Inc. (FCBM) trades at $12.69 on NYSE. Its 52-week range is $12.36 to $13.24.
What is the market capitalisation of FCBM?
First Carolina Financial Services, Inc. (FCBM) has a market capitalisation of $394.26M on NYSE.
What is the P/E ratio of FCBM?
FCBM trades at a trailing price-to-earnings (P/E) ratio of 28.20. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.91.
What is the return on equity (ROE) of FCBM?
FCBM has a return on equity (ROE) of 3.52%.
Is FCBM a good stock to buy?
This page provides a data-driven analysis of First Carolina Financial Services, Inc. (FCBM), 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.