US3189101062 - Common Stock

We assign a fundamental rating of **3** out of 10 to **FBNC**. **FBNC** was compared to 405 industry peers in the **Banks** industry. **FBNC** has a medium profitability rating, but doesn't score so well on its financial health evaluation. **FBNC** is valued expensive and it does not seem to be growing.

In the past 5 years **FBNC** has always been profitable.

The **Return On Assets** of **FBNC** (**0.93%**) is better than **63.43%** of its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 0.93% | ||

ROE | 8.03% | ||

ROIC | N/A |

ROA(3y)1.05%

ROA(5y)1.15%

ROE(3y)9.81%

ROE(5y)9.85%

ROIC(3y)N/A

ROIC(5y)N/A

Looking at the **Profit Margin**, with a value of **29.29%**, **FBNC** belongs to the top of the industry, outperforming **80.60%** of the companies in the same industry.

In the last couple of years the **Profit Margin** of **FBNC** has declined.

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) | 29.29% | ||

GM | N/A |

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-1.87%

PM growth 5Y-5.26%

GM growth 3YN/A

GM growth 5YN/A

Compared to 1 year ago, **FBNC** has more shares outstanding

The number of shares outstanding for **FBNC** has been increased compared to 5 years ago.

A Debt/Equity ratio of **0.07** indicates that **FBNC** is not too dependend on debt financing.

The **Debt to Equity ratio** of **FBNC** (**0.07**) is better than **79.85%** of its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.07 | ||

Debt/FCF | 0.71 | ||

Altman-Z | N/A |

ROIC/WACCN/A

WACC11.71%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | N/A | ||

Quick Ratio | N/A |

The earnings per share for **FBNC** have decreased strongly by **-14.29%** in the last year.

The **Revenue** has been growing by **8.70%** on average over the past years. This is quite good.

EPS 1Y (TTM)-14.29%

EPS 3Y-1.03%

EPS 5Y-3.86%

EPS Q2Q%-1.41%

Revenue 1Y (TTM)-5.78%

Revenue growth 3Y10.52%

Revenue growth 5Y8.7%

Sales Q2Q%-5.44%

The **Earnings Per Share** is expected to grow by **7.47%** on average over the next years.

EPS Next Y9.46%

EPS Next 2Y7.47%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-5.17%

Revenue Next 2Y-0.06%

Revenue Next 3YN/A

Revenue Next 5YN/A

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 decreasing.

Based on the **Price/Earnings** ratio of **15.77**, the valuation of **FBNC** can be described as correct.

Compared to the rest of the industry, the **Price/Earnings** ratio of **FBNC** indicates a slightly more expensive valuation: **FBNC** is more expensive than 67.91% of the companies listed in the same industry.

Based on the **Price/Forward Earnings** ratio of **14.89**, the valuation of **FBNC** can be described as correct.

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 68.66% 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 (**22.71**), we can say **FBNC** is valued slightly cheaper.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 15.77 | ||

Fwd PE | 14.89 |

Compared to the rest of the industry, the **Price/Free Cash Flow** ratio of **FBNC** indicates a slightly more expensive valuation: **FBNC** is more expensive than 61.44% of the companies listed in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 13.86 | ||

EV/EBITDA | N/A |

PEG (NY)1.67

PEG (5Y)N/A

EPS Next 2Y7.47%

EPS Next 3YN/A

With a **Yearly Dividend Yield** of **2.13%**, **FBNC** has a reasonable but not impressive dividend return.

Compared to an average industry **Dividend Yield** of **3.38**, **FBNC** is paying slightly less dividend.

Compared to an average S&P500 **Dividend Yield** of **2.22**, **FBNC** has a dividend comparable with the average S&P500 company.

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 2.13% |

On average, the dividend of **FBNC** grows each year by **19.19%**, which is quite nice.

Dividend Growth(5Y)19.19%

Div Incr Years6

Div Non Decr Years14

The dividend of **FBNC** is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP32.05%

EPS Next 2Y7.47%

EPS Next 3YN/A

**FIRST BANCORP/NC**

NASDAQ:FBNC (10/14/2024, 8:26:08 PM)

Premarket: 42.8 -0.72 (-1.65%)**43.52**

**+0.96 (+2.26%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap1.80B

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 2.13% |

Dividend Growth(5Y)

DP

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 15.77 | ||

Fwd PE | 14.89 | ||

P/S | |||

P/FCF | |||

P/OCF | |||

P/B | |||

P/tB | |||

EV/EBITDA |

EPS(TTM)

EY

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)1.67

PEG (5Y)N/A

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 0.93% | ||

ROE | 8.03% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | N/A | ||

PM (TTM) | 29.29% | ||

GM | N/A | ||

FCFM |

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.03

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.07 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | N/A | ||

Quick Ratio | N/A | ||

Altman-Z |

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)-14.29%

EPS 3Y-1.03%

EPS 5Y

EPS Q2Q%

EPS Next Y9.46%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-5.78%

Revenue growth 3Y10.52%

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y