First Bancorp
FBNC
NASDAQ·Financial Services·Banks - Regional·Mkt cap $2.7B
$65.04
▲ +1.09%
P/E
20.20
Mkt Cap
$2.7B
52-Wk Range
$45.96–$66.78
52-Week Range
$45.96 - $66.78
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 17.4% 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
+10.5% over 3m
Quality
Excellent
High-growth business (41% revenue growth, 64% gross margin). Profitable with strong growth momentum.
Dividend
Modest
1.45% 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
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 28, 2026
JUL 22, 2026
Reported EPS of $1.22 vs $1.15 consensus (+6.1% surprise). Revenue of $127.3M vs $126.1M expected (+1.0%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+6.1%
Revenue trend · last 8Q
—
-31%
+15%
+14%
-9%
+90%
+36%
-11%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$94.9M
$63.8M
$104.6M
$109.4M
$127.9M
$121.3M
$142.4M
$133.1M
Margins · last 8Q
Gross
-89.5%
Operating
-44.3%
Profit
38.0%
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: Piper Sandler · Jul 29, 2026
vs Industry
How FBNC stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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