FBNC Fundamental Analysis - FIRST BANCORP/NC

Fundamental Rating

Taking everything into account, FBNC scores 4 out of 10 in our fundamental rating. FBNC was compared to 395 industry peers in the Banks industry. FBNC may be in some trouble as it scores bad on both profitability and health. FBNC has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

FBNC had positive earnings in the past year.

In the past year FBNC had a positive cash flow from operations.

Each year in the past 5 years FBNC has been profitable.

FBNC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of FBNC (0.77%) is comparable to the rest of the industry.

FBNC has a Return On Equity of 6.21%. This is in the lower half of the industry: FBNC underperforms 68.86% 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's Profit Margin of 25.51% is fine compared to the rest of the industry. FBNC outperforms 61.77% 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 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.

The number of shares outstanding for FBNC has been increased compared to 1 year ago.

Compared to 5 years ago, FBNC has more shares outstanding

Compared to 1 year ago, FBNC has an improved debt to assets ratio.

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.

FBNC has a better Debt to FCF ratio (0.45) than 82.53% of its industry peers.

A Debt/Equity ratio of 0.06 indicates that FBNC is not too dependend on debt financing.

FBNC has a better Debt to Equity ratio (0.06) than 79.24% of its industry peers.

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

ROIC/WACCN/A

WACC13.15%

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

FBNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.03%, which is quite good.

The Earnings Per Share has been decreasing by -2.23% on average over the past years.

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

The Revenue has been growing slightly by 4.90% on average over the past years.

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

Based on estimates for the next years, FBNC will show a very strong growth in Earnings Per Share. The EPS will grow by 21.39% 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 11.72% on average per year.

EPS Next Y35.4%

EPS Next 2Y21.39%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year15.09%

Revenue Next 2Y11.72%

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.

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4. Valuation

4.1 Price/Earnings Ratio

FBNC is valuated rather expensively with a Price/Earnings ratio of 17.20.

FBNC's Price/Earnings ratio is a bit more expensive when compared to the industry. FBNC is more expensive than 73.67% of the companies in the same industry.

FBNC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.03.

The Price/Forward Earnings ratio is 13.61, which indicates a correct valuation of FBNC.

FBNC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FBNC is more expensive than 69.62% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of FBNC to the average of the S&P500 Index (22.63), we can say FBNC is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	17.2
Fwd PE	13.61

4.2 Price Multiples

FBNC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FBNC is cheaper than 61.27% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	11.35
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)0.49

PEG (5Y)N/A

EPS Next 2Y21.39%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FBNC has a Yearly Dividend Yield of 1.69%.

FBNC's Dividend Yield is slightly below the industry average, which is at 3.18.

Compared to the average S&P500 Dividend Yield of 2.32, FBNC is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.69%

5.2 History

The dividend of FBNC is nicely growing with an annual growth rate of 14.00%!

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

5.3 Sustainability

FBNC pays out 37.60% 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.

DP37.6%

EPS Next 2Y21.39%

EPS Next 3YN/A

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FIRST BANCORP/NC

NASDAQ:FBNC (9/4/2025, 8:04:16 PM)

After market: 55.55 0 (0%)

55.55

+0.96 (+1.76%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-21 2025-10-21/amc

Inst Owners72.12%

Inst Owner Change0.24%

Ins Owners1.63%

Ins Owner Change-0.77%

Market Cap2.30B

Analysts78.18

Price Target54.83 (-1.3%)

Short Float %3.85%

Short Ratio5.18

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.69%

Yearly Dividend0.88

Dividend Growth(5Y)14%

DP37.6%

Div Incr Years0

Div Non Decr Years0

Ex-Date06-30 2025-06-30 (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)10.97%

PT rev (3m)8.22%

EPS NQ rev (1m)1.1%

EPS NQ rev (3m)7.07%

EPS NY rev (1m)3.05%

EPS NY rev (3m)2.9%

Revenue NQ rev (1m)0.29%

Revenue NQ rev (3m)3.24%

Revenue NY rev (1m)0.96%

Revenue NY rev (3m)1.34%

Valuation

		Industry Rank	Sector Rank
PE	17.2
Fwd PE	13.61
P/S	6.08
P/FCF	11.35
P/OCF	11.21
P/B	1.48
P/tB	2.18
EV/EBITDA	N/A

EPS(TTM)3.23

EY5.81%

EPS(NY)4.08

Fwd EY7.35%

FCF(TTM)4.89

FCFY8.81%

OCF(TTM)4.96

OCFY8.92%

SpS9.14

BVpS37.53

TBVpS25.51

PEG (NY)0.49

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	15.66%
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

WACC13.15%

ROIC/WACCN/A

Cap/Depr(3y)25.81%

Cap/Depr(5y)52.53%

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 Y35.4%

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 Year15.09%

Revenue Next 2Y11.72%

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

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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

More info and screens