FBNC
FIRST BANCORP /NC/
Next earnings Jul 20, 2026 · consensus $1.17 EPS, $128M rev
Last earnings -2.3% on 2026-04-22
$63.53
▲ +1.44%$63.53▲ +59.50%
over 1Y
L $39.83EODHDH $63.53
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.4%
1W+4.5%
1M+8.1%
3M+15.6%
YTD+25.3%
1Y+59.5%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 10 analysts
Buy
Strong net margin (164.2%); but revenue declined -3.6% YoY.
The read
Middling fundamentals offset by an attractive price (~60% below fair value) — worth a look on the value angle.
FIRST BANCORP /NC/ shows $67.6M in FY2025 revenue (-3.6% YoY), a 164.2% net margin, and 6.7% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $25.3M | $17.4M | $32.8M | $70.1M | $67.6M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $95.6M | $147M | $104M | $76.2M | $111M |
| Diluted EPS | $3.19 | $4.12 | $2.53 | $1.84 | $2.68 |
| Net margin | 377.7% | 842.1% | 317.3% | 108.7% | 164.2% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF13.2
PEG (trailing)0.52
Earnings yield4.2%
FCF yield7.5%
Quality & risk
ROIC (est.)—
Free cash flow$199M
Total debt$74.6M
Net cash$235M
Piotroski F-Score5/7
Capital returns
Buyback yield0.0%
Dividend yield (est.)1.4%
Shareholder yield1.5%
Shares Δ YoY+0.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-232026-06-25open ↗4Period ending 2026-06-232026-06-25open ↗4Period ending 2026-06-232026-06-25open ↗4Period ending 2026-06-232026-06-25open ↗4Period ending 2026-06-232026-06-25open ↗11-KPeriod ending 2025-12-312026-06-17open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗8-KPeriod ending 2026-06-122026-06-12open ↗3Period ending 2026-04-282026-06-11open ↗3Period ending 2026-04-282026-06-04open ↗4Period ending 2026-06-012026-06-03open ↗
Frequently asked
- Is FIRST BANCORP /NC/ (FBNC) a buy?
- FBNC currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Strong net margin (164.2%); but revenue declined -3.6% YoY.
- What is FBNC's fair value?
- A Modified-Graham model based on FBNC's SEC fundamentals estimates a fair value of about $101.57. It is an estimate from reported earnings, not a price target.
- Is FBNC overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, FBNC currently appears undervalued relative to its SEC-grounded earnings power.
- What is FIRST BANCORP /NC/'s quality score?
- FBNC scores 66.52941176470587/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000811589, latest 10-Q filed 2026-05-07) · EODHD · as of 6/26/2026, 7:00:02 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.