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First Bancorp/NC (FBNC)
Price$59.27
Value ScoreD
Growth ScoreC
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)8.27%
Price vs S&P 500 (4W)0.71%
VGM Score44.49
Market Capitalization$2.45B
P/E Ratio (Annual)22.08x
Indicated Dividend Yield (Annual)1.62%
All Metrics
P/CF (Annual)12.07x
Book Value / Share (Quarterly)$40.68
P/TBV (Annual)1.29x
Indicated Dividend (Annual)$0.96
Revenue Growth (3Y)10.88%
Cash Flow / Share (Quarterly)$4.98
Payout Ratio (TTM)31.09%
Price vs S&P 500 (YTD)8.54%
Net Profit Margin (TTM)27.80%
EPS (TTM)$2.93
10-Day Avg Trading Volume0.20M
EPS Excl Extra (TTM)$2.93
Revenue Growth (5Y)13.96%
EPS (Annual)$2.68
Dividend / Share (Annual)$0.90
ROI (Annual)6.43%
Net Profit Margin (5Y Avg)32.51%
Cash / Share (Quarterly)$2.32
P/E Basic Excl Extra (TTM)20.22x
Revenue Growth QoQ (YoY)40.28%
EPS Growth (5Y)-0.95%
P/E Normalized (Annual)22.08x
ROA (Last FY)0.88%
Revenue Growth TTM (YoY)40.50%
EBITD / Share (TTM)$4.87
ROE (5Y Avg)8.31%
Operating Margin (TTM)35.10%
Cash Flow / Share (Annual)$4.80
P/B Ratio1.46x
P/B Ratio (Quarterly)1.39x
Net Income / Employee (Annual)$83,400
ROA (TTM)0.95%
EPS Growth QoQ (YoY)28.00%
EV / EBITDA (TTM)15.80x
EPS Incl Extra (Annual)$2.68
3-Month Avg Trading Volume0.22M
52-Week Price Return44.63%
EV / Free Cash Flow (Annual)12.71x
P/E Incl Extra (TTM)20.22x
Tangible BV / Share (Quarterly)$40.29
P/S Ratio (Annual)3.29x
52-Week High$62.64
Operating Margin (5Y Avg)41.07%
EPS Excl Extra (Annual)$2.68
CapEx CAGR (5Y)-19.30%
Tangible BV CAGR (5Y)13.24%
26-Week Price Return16.19%
13-Week Price Return3.02%
Total Debt / Equity (Annual)0.04x
Enterprise Value$2.53B
Revenue / Share Growth (5Y)5.42%
Book Value / Share Growth (5Y)5.29%
Revenue / Employee (Annual)$324,258,300,000
Pretax Margin (Annual)47.15%
Cash / Share (Annual)$2.83
3-Month Return Std Dev25.69%
Net Income / Employee (TTM)$91,100
EBITDA CAGR (5Y)18.11%
EBITDA Interim CAGR (5Y)8.06%
ROE (Last FY)6.71%
EPS Basic Excl Extra (Annual)$2.68
P/FCF (TTM)11.91x
EV / Free Cash Flow (TTM)12.28x
Total Debt / Equity (Quarterly)0.04x
EPS Incl Extra (TTM)$2.93
ROI (TTM)7.10%
Dividend Growth Rate (5Y)4.91%
P/S Ratio (TTM)3.18x
Pretax Margin (5Y Avg)41.07%
Revenue / Share (Annual)$11.01
Tangible BV / Share (Annual)$39.48
Forward P/E12.13x
Free OCF CAGR (5Y)34.79%
Price vs S&P 500 (52W)20.27%
P/E Ratio (TTM)20.22x
EPS Growth TTM (YoY)7.46%
Year-to-Date Return16.70%
5-Day Price Return2.21%
EPS Normalized (Annual)$2.68
ROA (5Y Avg)0.93%
Net Profit Margin (Annual)37.40%
Month-to-Date Return0.75%
Cash Flow / Share (TTM)$3.23
EBITD / Share (Annual)$3.53
EPS Growth (3Y)-13.33%
Operating Margin (Annual)47.15%
LT Debt / Equity (Annual)0.04x
P/CF (TTM)11.58x
ROI (5Y Avg)7.64%
P/E Excl Extra (TTM)20.22x
LT Debt / Equity (Quarterly)0.04x
EPS Basic Excl Extra (TTM)$2.93
P/TBV (Quarterly)1.40x
Payout Ratio (Annual)33.57%
P/B Ratio (Annual)1.27x
Dividend / Share (TTM)$0.91
Pretax Margin (TTM)35.10%
Book Value / Share (Annual)$39.89
Price vs S&P 500 (13W)-5.23%
Net Margin Growth (5Y)12.35%
Dividend Yield (TTM)1.54%
Beta0.84x
P/FCF (Annual)12.33x
Revenue / Share (TTM)$10.20
ROE (TTM)7.47%
52-Week Low$40.00
vGradeD
gGradeC
mGradeC
vgmGradeC
Show chart for
Earnings Surprise History
Q1 261.13est. 1.11
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.18
4.20
4.20
4.20
Industry Peers — State Banks(184)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
FBNCFirst Bancorp/NC | D | C | C | $59.27 |
| BNSBank of Nova Scotia | C | C | B | $80.56 |
| BKBank of New York Mellon Corporation | D | B | A | $137.16 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | F | $7.54 |
| DBDeutsche Bank Aktiengesellschaft | B | B | F | $31.51 |
| FITBFifth Third Bancorp | D | C | B | $52.01 |
| FITBIFifth Third Bancorp Depositary Shares | D | C | B | $25.73 |
| FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | D | C | B | $26.02 |
| FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | D | C | B | $18.36 |
| STTState Street Corporation | C | C | A | $161.75 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | A | D | F | $3.36 |
About
First Bancorp is a bank holding company offering commercial and consumer banking services alongside specialized lending in mortgages, SBA loans, and accounts receivable financing. The company also provides investment advisory services, serving a diversified client base across multiple financial segments.