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First Bancorp
FBNC
NASDAQ·Financial Services·Banks - Regional·Mkt cap $2.7B
$63.80
▼ -2.37%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$45.04 - $66.06
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 39.5% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Deep regional market presence with 121 branches in North Carolina and South Carolina
- Specialized expertise in small to medium-sized business lending and financing
- Integrated financial services platform combining banking, investments, and insurance
- Long-established brand heritage since 1934 with strong community relationships
- Omnichannel banking capabilities including digital, mobile, and in-person services
Bear Case
2 risks
- Average volatility.
- Growth premium of 1.2x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Stable outlook
Expansion of commercial lending to growing SMB segment in the Carolinas
Value
Growth premium of 1.2x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Strong
+17.0% over 3m
Quality
Excellent
High-growth business (40% revenue growth, 71% gross margin). Profitable with strong growth momentum.
Dividend
Modest
1.44% yield
Smart-money signal
Who's buying FBNC right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Jul 22, 2026
APR 22, 2026
Reported EPS of $1.13 vs $1.09 consensus (+3.7% surprise). Revenue of $122.3M vs $123.2M expected (-0.8%).
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+3.7%
Next: Jul 22, 2026
Revenue trend · last 8Q
—
—
-31%
+15%
+14%
-9%
+90%
+36%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$95.7M
$94.9M
$63.8M
$104.6M
$109.4M
$127.9M
$121.3M
$142.4M
Margins · last 8Q
Gross
—
Operating
41.4%
Profit
32.8%
Wall Street consensus
3 analysts · 67% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
67%
Hold
33%
Sell
0%
Median Price Target
—
Latest: Keefe, Bruyette & Woods · Apr 23, 2026