57.35 USD
+1.93 (+3.48%)
We assign a fundamental rating of 4 out of 10 to FBNC. FBNC was compared to 383 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.
1. Profitability
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.
- In the past 5 years FBNC always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.77%, FBNC is doing worse than 61.10% of the companies in the same industry.
- FBNC has a worse Return On Equity (6.14%) than 71.54% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 26.45%, FBNC is in the better half of the industry, outperforming 63.19% of the companies in the same industry.
- 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) | 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
2. Health
2.1 Basic Checks
- FBNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- 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.
- Compared to 1 year ago, FBNC has an improved debt to assets ratio.
2.2 Solvency
- FBNC has a debt to FCF ratio of 0.43. This is a very positive value and a sign of high solvency as it would only need 0.43 years to pay back of all of its debts.
- FBNC's Debt to FCF ratio of 0.43 is amongst the best of the industry. FBNC outperforms 81.72% 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.
- Looking at the Debt to Equity ratio, with a value of 0.06, FBNC is in the better half of the industry, outperforming 79.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.43 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FBNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.67%, which is quite impressive.
- FBNC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.23% yearly.
- FBNC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -21.45%.
- Measured over the past years, FBNC shows a small growth in Revenue. The Revenue has been growing by 4.90% on average per year.
EPS 1Y (TTM)29.67%
EPS 3Y-5.67%
EPS 5Y-2.23%
EPS Q2Q%44.29%
Revenue 1Y (TTM)-21.45%
Revenue growth 3Y3.05%
Revenue growth 5Y4.9%
Sales Q2Q%8.72%
3.2 Future
- The Earnings Per Share is expected to grow by 21.45% 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 11.78% on average per year.
EPS Next Y39.8%
EPS Next 2Y28.54%
EPS Next 3Y21.45%
EPS Next 5YN/A
Revenue Next Year17.88%
Revenue Next 2Y14.46%
Revenue Next 3Y11.78%
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 16.20, which indicates a correct valuation of FBNC.
- FBNC's Price/Earnings ratio is a bit more expensive when compared to the industry. FBNC is more expensive than 69.45% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.33. FBNC is valued slightly cheaper when compared to this.
- Based on the Price/Forward Earnings ratio of 12.53, the valuation of FBNC can be described as correct.
- FBNC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FBNC is more expensive than 61.62% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, FBNC is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.2 | ||
| Fwd PE | 12.53 |
4.2 Price Multiples
- FBNC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FBNC is cheaper than 60.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- FBNC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- FBNC's earnings are expected to grow with 21.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)N/A
EPS Next 2Y28.54%
EPS Next 3Y21.45%
5. Dividend
5.1 Amount
- FBNC has a Yearly Dividend Yield of 1.71%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.89, FBNC is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.91, FBNC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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
- 37.43% of the earnings are spent on dividend by FBNC. This is a low number and sustainable payout ratio.
- FBNC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP37.43%
EPS Next 2Y28.54%
EPS Next 3Y21.45%
NASDAQ:FBNC (1/15/2026, 3:31:25 PM)
57.35
+1.93 (+3.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-28 2026-01-28/amc
Inst Owners81.58%
Inst Owner Change0.02%
Ins Owners1.66%
Ins Owner Change0.59%
Market Cap2.38B
Revenue(TTM)372.08M
Net Income(TTM)98.42M
Analysts80
Price Target59.93 (4.5%)
Short Float %3.46%
Short Ratio6.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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)0%
PT rev (3m)4.91%
EPS NQ rev (1m)-1.88%
EPS NQ rev (3m)10.14%
EPS NY rev (1m)0%
EPS NY rev (3m)3.4%
Revenue NQ rev (1m)-0.99%
Revenue NQ rev (3m)5.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.2 | ||
| Fwd PE | 12.53 | ||
| P/S | 6.39 | ||
| P/FCF | 11.16 | ||
| P/OCF | 10.97 | ||
| P/B | 1.48 | ||
| P/tB | 2.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.54
EY6.17%
EPS(NY)4.58
Fwd EY7.98%
FCF(TTM)5.14
FCFY8.96%
OCF(TTM)5.23
OCFY9.11%
SpS8.97
BVpS38.66
TBVpS26.67
PEG (NY)0.41
PEG (5Y)N/A
Graham Number55.49
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC13.13%
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)29.67%
EPS 3Y-5.67%
EPS 5Y-2.23%
EPS Q2Q%44.29%
EPS Next Y39.8%
EPS Next 2Y28.54%
EPS Next 3Y21.45%
EPS Next 5YN/A
Revenue 1Y (TTM)-21.45%
Revenue growth 3Y3.05%
Revenue growth 5Y4.9%
Sales Q2Q%8.72%
Revenue Next Year17.88%
Revenue Next 2Y14.46%
Revenue Next 3Y11.78%
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 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 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 39.8% in the next year.