FIRST BANCORP/NC (FBNC) Stock Fundamental Analysis

NASDAQ:FBNC • US3189101062

59.87 USD
-0.68 (-1.12%)
At close: Feb 12, 2026
60.01 USD
+0.14 (+0.23%)
After Hours: 2/12/2026, 5:42:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, FBNC scores 3 out of 10 in our fundamental rating. FBNC was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of FBNC have multiple concerns. FBNC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year FBNC was profitable.
  • FBNC had a positive operating cash flow in the past year.
  • Of the past 5 years FBNC 4 years were profitable.
  • FBNC had a positive operating cash flow in 4 of the past 5 years.
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 50M 100M 150M 200M

1.2 Ratios

  • With a Return On Assets value of 0.77%, FBNC is not doing good in the industry: 61.42% of the companies in the same industry are doing better.
  • With a Return On Equity value of 6.14%, FBNC is not doing good in the industry: 71.39% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.77%
ROE 6.14%
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
FBNC Yearly ROA, ROE, ROICFBNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • The Profit Margin of FBNC (26.45%) is better than 62.47% of its industry peers.
  • In the last couple of years the Profit Margin of FBNC has declined.
  • 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) 26.45%
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
FBNC Yearly Profit, Operating, Gross MarginsFBNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • FBNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for FBNC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FBNC Yearly Shares OutstandingFBNC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B 10B

2.2 Solvency

  • The Debt to FCF ratio of FBNC is 0.43, which is an excellent value as it means it would take FBNC, only 0.43 years of fcf income to pay off all of its debts.
  • FBNC's Debt to FCF ratio of 0.43 is amongst the best of the industry. FBNC outperforms 81.89% of its industry peers.
  • A Debt/Equity ratio of 0.06 indicates that FBNC is not too dependend on debt financing.
  • The Debt to Equity ratio of FBNC (0.06) is better than 78.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.43
Altman-Z N/A
ROIC/WACCN/A
WACC12.85%
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 500M 1B

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 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. Growth

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.
  • FBNC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.75% yearly.
EPS 1Y (TTM)43.32%
EPS 3Y-1.94%
EPS 5Y8.75%
EPS Q2Q%56.58%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 12.22% on average per year.
  • Based on estimates for the next years, FBNC will show a quite strong growth in Revenue. The Revenue will grow by 8.86% on average per year.
EPS Next Y17.17%
EPS Next 2Y12.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.43%
Revenue Next 2Y8.86%
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.
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

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • FBNC is valuated correctly with a Price/Earnings ratio of 15.08.
  • Based on the Price/Earnings ratio, FBNC is valued a bit more expensive than 69.03% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, FBNC is valued a bit cheaper.
  • FBNC is valuated correctly with a Price/Forward Earnings ratio of 12.87.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FBNC indicates a slightly more expensive valuation: FBNC is more expensive than 64.30% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of FBNC to the average of the S&P500 Index (27.69), we can say FBNC is valued rather cheaply.
Industry RankSector Rank
PE 15.08
Fwd PE 12.87
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FBNC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.65
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 12.22% in the coming years.
PEG (NY)0.88
PEG (5Y)1.72
EPS Next 2Y12.22%
EPS Next 3YN/A

More info and screens

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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.51%, FBNC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, FBNC is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.80, FBNC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.51%

5.2 History

  • On average, the dividend of FBNC grows each year by 14.00%, which is quite nice.
  • FBNC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)14%
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 37.43% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of FBNC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP37.43%
EPS Next 2Y12.22%
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 50M 100M 150M 200M
FBNC Dividend Payout.FBNC Dividend Payout, showing the Payout Ratio.FBNC Dividend Payout.PayoutRetained Earnings

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FIRST BANCORP/NC

NASDAQ:FBNC (2/12/2026, 5:42:03 PM)

After market: 60.01 +0.14 (+0.23%)

59.87

-0.68 (-1.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners81.58%
Inst Owner Change-0.03%
Ins Owners1.66%
Ins Owner Change0.43%
Market Cap2.48B
Revenue(TTM)N/A
Net Income(TTM)98.42M
Analysts80
Price Target65.03 (8.62%)
Short Float %3.8%
Short Ratio6.16
Dividend
Industry RankSector Rank
Dividend Yield 1.51%
Yearly Dividend0.88
Dividend Growth(5Y)14%
DP37.43%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.11%
Min EPS beat(2)4.56%
Max EPS beat(2)7.65%
EPS beat(4)4
Avg EPS beat(4)5.33%
Min EPS beat(4)3.49%
Max EPS beat(4)7.65%
EPS beat(8)6
Avg EPS beat(8)4.67%
EPS beat(12)7
Avg EPS beat(12)-2.2%
EPS beat(16)9
Avg EPS beat(16)-3.45%
Revenue beat(2)0
Avg Revenue beat(2)-11.45%
Min Revenue beat(2)-22.58%
Max Revenue beat(2)-0.32%
Revenue beat(4)0
Avg Revenue beat(4)-15.52%
Min Revenue beat(4)-37.62%
Max Revenue beat(4)-0.32%
Revenue beat(8)1
Avg Revenue beat(8)-11.15%
Revenue beat(12)1
Avg Revenue beat(12)-9.46%
Revenue beat(16)3
Avg Revenue beat(16)-7.09%
PT rev (1m)8.51%
PT rev (3m)11.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.88%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 15.08
Fwd PE 12.87
P/S 6.67
P/FCF 11.65
P/OCF 11.46
P/B 1.55
P/tB 2.24
EV/EBITDA N/A
EPS(TTM)3.97
EY6.63%
EPS(NY)4.65
Fwd EY7.77%
FCF(TTM)5.14
FCFY8.58%
OCF(TTM)5.23
OCFY8.73%
SpS8.97
BVpS38.66
TBVpS26.67
PEG (NY)0.88
PEG (5Y)1.72
Graham Number58.77
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 6.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.45%
GM N/A
FCFM 57.28%
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
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-10.05%
PM growth 5Y-8.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.43
Debt/EBITDA N/A
Cap/Depr 27.79%
Cap/Sales 0.96%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 216.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.85%
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)43.32%
EPS 3Y-1.94%
EPS 5Y8.75%
EPS Q2Q%56.58%
EPS Next Y17.17%
EPS Next 2Y12.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%30.41%
Revenue Next Year11.43%
Revenue Next 2Y8.86%
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 1Y60.86%
FCF growth 3Y9.95%
FCF growth 5Y29.26%
OCF growth 1Y57.83%
OCF growth 3Y7.96%
OCF growth 5Y27.83%

FIRST BANCORP/NC / FBNC FAQ

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

ChartMill assigns a fundamental rating of 3 / 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 2 / 10.


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

The financial health rating of FIRST BANCORP/NC (FBNC) is 3 / 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 17.17% in the next year.