FBNC Fundamental Analysis - FIRST BANCORP/NC

Fundamental Rating

FBNC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. Both the profitability and financial health of FBNC have multiple concerns. FBNC has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year FBNC was profitable.

FBNC had a positive operating cash flow in the past year.

FBNC had positive earnings in each of the past 5 years.

In the past 5 years FBNC always reported a positive cash flow from operatings.

1.2 Ratios

FBNC has a Return On Assets of 0.77%. This is comparable to the rest of the industry: FBNC outperforms 43.37% of its industry peers.

FBNC has a worse Return On Equity (6.21%) than 68.88% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.77%
ROE	6.21%
ROIC	N/A

ROA(3y)0.95%

ROA(5y)0.97%

ROE(3y)8.98%

ROE(5y)8.75%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FBNC has a better Profit Margin (25.51%) than 61.73% of its industry peers.

FBNC's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for FBNC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.51%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-10.05%

PM growth 5Y-8.21%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FBNC does not have a ROIC to compare to the WACC, probably because it is not profitable.

FBNC has more shares outstanding than it did 1 year ago.

FBNC has more shares outstanding than it did 5 years ago.

FBNC has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of FBNC is 0.45, which is an excellent value as it means it would take FBNC, only 0.45 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of FBNC (0.45) is better than 81.89% of its industry peers.

FBNC has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.

FBNC has a better Debt to Equity ratio (0.06) than 79.34% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.45
Altman-Z	N/A

ROIC/WACCN/A

WACC13.33%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.03% over the past year.

Measured over the past years, FBNC shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.23% on average per year.

Looking at the last year, FBNC shows a very negative growth in Revenue. The Revenue has decreased by -20.52% in the last year.

FBNC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.90% yearly.

EPS 1Y (TTM)17.03%

EPS 3Y-5.67%

EPS 5Y-2.23%

EPS Q2Q%32.86%

Revenue 1Y (TTM)-20.52%

Revenue growth 3Y3.05%

Revenue growth 5Y4.9%

Sales Q2Q%15.99%

3.2 Future

The Earnings Per Share is expected to grow by 21.39% on average over the next years. This is a very strong growth

Based on estimates for the next years, FBNC will show a quite strong growth in Revenue. The Revenue will grow by 11.36% on average per year.

EPS Next Y35.2%

EPS Next 2Y21.39%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year14.63%

Revenue Next 2Y11.36%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.07 indicates a correct valuation of FBNC.

70.15% of the companies in the same industry are cheaper than FBNC, based on the Price/Earnings ratio.

FBNC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.90.

FBNC is valuated correctly with a Price/Forward Earnings ratio of 12.72.

67.86% of the companies in the same industry are cheaper than FBNC, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of FBNC to the average of the S&P500 Index (23.36), we can say FBNC is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	16.07
Fwd PE	12.72

4.2 Price Multiples

63.27% of the companies in the same industry are more expensive than FBNC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	10.61
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as FBNC's earnings are expected to grow with 21.39% in the coming years.

PEG (NY)0.46

PEG (5Y)N/A

EPS Next 2Y21.39%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.77%, FBNC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.59, FBNC is paying slightly less dividend.

Compared to the average S&P500 Dividend Yield of 2.44, FBNC is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.77%

5.2 History

On average, the dividend of FBNC grows each year by 14.00%, which is quite nice.

FBNC has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)14%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

37.60% of the earnings are spent on dividend by FBNC. This is a low number and sustainable payout ratio.

The dividend of FBNC is growing, but earnings are growing more, so the dividend growth is sustainable.

DP37.6%

EPS Next 2Y21.39%

EPS Next 3YN/A

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FIRST BANCORP/NC

NASDAQ:FBNC (10/6/2025, 8:13:09 PM)

After market: 51.92 0 (0%)

51.92

-0.39 (-0.75%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners72.96%

Inst Owner Change0%

Ins Owners1.62%

Ins Owner Change-0.77%

Market Cap2.15B

Analysts78.18

Price Target57.12 (10.02%)

Short Float %4.24%

Short Ratio6.24

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.77%

Yearly Dividend0.88

Dividend Growth(5Y)14%

DP37.6%

Div Incr Years0

Div Non Decr Years0

Ex-Date09-30 2025-09-30 (0.23)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)5.09%

Min EPS beat(2)4.56%

Max EPS beat(2)5.61%

EPS beat(4)3

Avg EPS beat(4)2.81%

Min EPS beat(4)-2.42%

Max EPS beat(4)5.61%

EPS beat(8)6

Avg EPS beat(8)4.41%

EPS beat(12)7

Avg EPS beat(12)-2.37%

EPS beat(16)9

Avg EPS beat(16)-3.83%

Revenue beat(2)0

Avg Revenue beat(2)-0.95%

Min Revenue beat(2)-1.58%

Max Revenue beat(2)-0.32%

Revenue beat(4)0

Avg Revenue beat(4)-14.24%

Min Revenue beat(4)-37.62%

Max Revenue beat(4)-0.32%

Revenue beat(8)1

Avg Revenue beat(8)-8.53%

Revenue beat(12)2

Avg Revenue beat(12)-7.23%

Revenue beat(16)3

Avg Revenue beat(16)-5.81%

PT rev (1m)4.19%

PT rev (3m)15.61%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.97%

EPS NY rev (1m)-0.15%

EPS NY rev (3m)2.9%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.26%

Revenue NY rev (1m)-0.4%

Revenue NY rev (3m)1.29%

Valuation

		Industry Rank	Sector Rank
PE	16.07
Fwd PE	12.72
P/S	5.68
P/FCF	10.61
P/OCF	10.48
P/B	1.38
P/tB	2.04
EV/EBITDA	N/A

EPS(TTM)3.23

EY6.22%

EPS(NY)4.08

Fwd EY7.86%

FCF(TTM)4.89

FCFY9.43%

OCF(TTM)4.96

OCFY9.54%

SpS9.14

BVpS37.53

TBVpS25.51

PEG (NY)0.46

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.77%
ROE	6.21%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.51%
GM	N/A
FCFM	53.53%

ROA(3y)0.95%

ROA(5y)0.97%

ROE(3y)8.98%

ROE(5y)8.75%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-10.05%

PM growth 5Y-8.21%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.45
Debt/EBITDA	N/A
Cap/Depr	18.46%
Cap/Sales	0.67%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	209.8%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC13.33%

ROIC/WACCN/A

Cap/Depr(3y)27.31%

Cap/Depr(5y)53.43%

Cap/Sales(3y)1.07%

Cap/Sales(5y)2.06%

Profit Quality(3y)167.97%

Profit Quality(5y)139.01%

High Growth Momentum

Growth

EPS 1Y (TTM)17.03%

EPS 3Y-5.67%

EPS 5Y-2.23%

EPS Q2Q%32.86%

EPS Next Y35.2%

EPS Next 2Y21.39%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-20.52%

Revenue growth 3Y3.05%

Revenue growth 5Y4.9%

Sales Q2Q%15.99%

Revenue Next Year14.63%

Revenue Next 2Y11.36%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y26.11%

FCF growth 3Y9.95%

FCF growth 5Y29.26%

OCF growth 1Y24.22%

OCF growth 3Y7.96%

OCF growth 5Y27.83%

FIRST BANCORP/NC (FBNC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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