FIRST BANCORP/NC (FBNC) Fundamental Analysis & Valuation

NASDAQ:FBNC • US3189101062

Current stock price

54.31 USD
+0.13 (+0.24%)
Last:

This FBNC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FBNC Profitability Analysis

1.1 Basic Checks

  • FBNC had positive earnings in the past year.
  • FBNC had a positive operating cash flow in the past year.
  • FBNC had positive earnings in each of the past 5 years.
  • Each year in the past 5 years FBNC had a positive operating cash flow.
FBNC Yearly Net Income VS EBIT VS OCF VS FCFFBNC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

1.2 Ratios

  • FBNC has a Return On Assets (0.87%) which is comparable to the rest of the industry.
  • The Return On Equity of FBNC (6.68%) is worse than 72.11% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 6.68%
ROIC N/A
ROA(3y)0.78%
ROA(5y)0.93%
ROE(3y)6.49%
ROE(5y)8.27%
ROIC(3y)N/A
ROIC(5y)N/A
FBNC Yearly ROA, ROE, ROICFBNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • The Profit Margin of FBNC (28.29%) is better than 66.58% of its industry peers.
  • FBNC's Profit Margin has been stable in the last couple of years.
  • FBNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.73%
PM growth 5Y0.87%
GM growth 3YN/A
GM growth 5YN/A
FBNC Yearly Profit, Operating, Gross MarginsFBNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. FBNC Health Analysis

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.
  • Compared to 5 years ago, FBNC has more shares outstanding
  • FBNC has a better debt/assets ratio than last year.
FBNC Yearly Shares OutstandingFBNC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
FBNC Yearly Total Debt VS Total AssetsFBNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • The Debt to FCF ratio of FBNC is 0.37, which is an excellent value as it means it would take FBNC, only 0.37 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FBNC (0.37) is better than 84.21% of its industry peers.
  • FBNC has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
  • FBNC has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. FBNC outperforms 81.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.37
Altman-Z N/A
ROIC/WACCN/A
WACC14.08%
FBNC Yearly LT Debt VS Equity VS FCFFBNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FBNC Yearly Current Assets VS Current LiabilitesFBNC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. FBNC Growth Analysis

3.1 Past

  • FBNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.32%, which is quite impressive.
  • The Earnings Per Share has been growing by 8.75% on average over the past years. This is quite good.
  • The Revenue for FBNC has decreased by -11.76% in the past year. This is quite bad
  • Measured over the past years, FBNC shows a small growth in Revenue. The Revenue has been growing by 5.45% on average per year.
EPS 1Y (TTM)43.32%
EPS 3Y-1.94%
EPS 5Y8.75%
EPS Q2Q%56.58%
Revenue 1Y (TTM)-11.76%
Revenue growth 3Y-0.22%
Revenue growth 5Y5.45%
Sales Q2Q%30.41%

3.2 Future

  • Based on estimates for the next years, FBNC will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.84% on average per year.
  • The Revenue is expected to grow by 6.86% on average over the next years.
EPS Next Y17.68%
EPS Next 2Y12.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.61%
Revenue Next 2Y6.86%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FBNC Yearly Revenue VS EstimatesFBNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
FBNC Yearly EPS VS EstimatesFBNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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4

4. FBNC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.68, FBNC is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of FBNC indicates a slightly more expensive valuation: FBNC is more expensive than 65.53% of the companies listed in the same industry.
  • FBNC is valuated rather cheaply when we compare the Price/Earnings ratio to 25.54, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.62, which indicates a very decent valuation of FBNC.
  • Based on the Price/Forward Earnings ratio, FBNC is valued a bit more expensive than 63.42% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FBNC to the average of the S&P500 Index (22.70), we can say FBNC is valued slightly cheaper.
Industry RankSector Rank
PE 13.68
Fwd PE 11.62
FBNC Price Earnings VS Forward Price EarningsFBNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FBNC.
Industry RankSector Rank
P/FCF 11.33
EV/EBITDA N/A
FBNC Per share dataFBNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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 12.84% in the coming years.
PEG (NY)0.77
PEG (5Y)1.56
EPS Next 2Y12.84%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. FBNC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.81%, FBNC has a reasonable but not impressive dividend return.
  • FBNC's Dividend Yield is slightly below the industry average, which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.89, FBNC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.81%

5.2 History

  • The dividend of FBNC has a limited annual growth rate of 4.91%.
  • FBNC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4.91%
Div Incr Years0
Div Non Decr Years0
FBNC Yearly Dividends per shareFBNC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • FBNC pays out 33.76% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of FBNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.76%
EPS Next 2Y12.84%
EPS Next 3YN/A
FBNC Yearly Income VS Free CF VS DividendFBNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
FBNC Dividend Payout.FBNC Dividend Payout, showing the Payout Ratio.FBNC Dividend Payout.PayoutRetained Earnings

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FBNC Fundamentals: All Metrics, Ratios and Statistics

FIRST BANCORP/NC

NASDAQ:FBNC (3/24/2026, 10:43:58 AM)

54.31

+0.13 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners80.41%
Inst Owner Change-1.67%
Ins Owners1.56%
Ins Owner Change-0.16%
Market Cap2.25B
Revenue(TTM)390.31M
Net Income(TTM)110.42M
Analysts84
Price Target66.56 (22.56%)
Short Float %4.15%
Short Ratio6.59
Dividend
Industry RankSector Rank
Dividend Yield 1.81%
Yearly Dividend0.9
Dividend Growth(5Y)4.91%
DP33.76%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.93%
Min EPS beat(2)7.65%
Max EPS beat(2)12.21%
EPS beat(4)4
Avg EPS beat(4)7.51%
Min EPS beat(4)4.56%
Max EPS beat(4)12.21%
EPS beat(8)6
Avg EPS beat(8)5.17%
EPS beat(12)8
Avg EPS beat(12)-0.76%
EPS beat(16)10
Avg EPS beat(16)0.11%
Revenue beat(2)0
Avg Revenue beat(2)-27.64%
Min Revenue beat(2)-32.71%
Max Revenue beat(2)-22.58%
Revenue beat(4)0
Avg Revenue beat(4)-14.29%
Min Revenue beat(4)-32.71%
Max Revenue beat(4)-0.32%
Revenue beat(8)1
Avg Revenue beat(8)-14.74%
Revenue beat(12)1
Avg Revenue beat(12)-11.6%
Revenue beat(16)3
Avg Revenue beat(16)-8.95%
PT rev (1m)2.35%
PT rev (3m)11.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.7%
EPS NY rev (1m)0.44%
EPS NY rev (3m)2.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.49%
Valuation
Industry RankSector Rank
PE 13.68
Fwd PE 11.62
P/S 5.77
P/FCF 11.33
P/OCF 11.09
P/B 1.36
P/tB 1.95
EV/EBITDA N/A
EPS(TTM)3.97
EY7.31%
EPS(NY)4.67
Fwd EY8.6%
FCF(TTM)4.79
FCFY8.83%
OCF(TTM)4.9
OCFY9.02%
SpS9.41
BVpS39.88
TBVpS27.92
PEG (NY)0.77
PEG (5Y)1.56
Graham Number59.68
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 6.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.29%
GM N/A
FCFM 50.96%
ROA(3y)0.78%
ROA(5y)0.93%
ROE(3y)6.49%
ROE(5y)8.27%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.73%
PM growth 5Y0.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.37
Debt/EBITDA N/A
Cap/Depr 31.2%
Cap/Sales 1.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 180.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.08%
ROIC/WACCN/A
Cap/Depr(3y)24.52%
Cap/Depr(5y)38.29%
Cap/Sales(3y)0.98%
Cap/Sales(5y)1.45%
Profit Quality(3y)176.62%
Profit Quality(5y)164.01%
High Growth Momentum
Growth
EPS 1Y (TTM)43.32%
EPS 3Y-1.94%
EPS 5Y8.75%
EPS Q2Q%56.58%
EPS Next Y17.68%
EPS Next 2Y12.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-11.76%
Revenue growth 3Y-0.22%
Revenue growth 5Y5.45%
Sales Q2Q%30.41%
Revenue Next Year11.61%
Revenue Next 2Y6.86%
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 1Y15.55%
FCF growth 3Y-4.09%
FCF growth 5Y34.79%
OCF growth 1Y16.22%
OCF growth 3Y-4.15%
OCF growth 5Y28.89%

FIRST BANCORP/NC / FBNC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIRST BANCORP/NC?

ChartMill assigns a fundamental rating of 4 / 10 to FBNC.


What is the valuation status for FBNC stock?

ChartMill assigns a valuation rating of 4 / 10 to FIRST BANCORP/NC (FBNC). This can be considered as Fairly Valued.


What is the profitability of FBNC stock?

FIRST BANCORP/NC (FBNC) has a profitability rating of 3 / 10.


What is the financial health of FIRST BANCORP/NC (FBNC) stock?

The financial health rating of FIRST BANCORP/NC (FBNC) is 4 / 10.


What is the expected EPS growth for FIRST BANCORP/NC (FBNC) stock?

The Earnings per Share (EPS) of FIRST BANCORP/NC (FBNC) is expected to grow by 17.68% in the next year.