First Bancorp/NC (FBNC)

Price$60.08

Favorite Metrics

Price vs S&P 500 (26W)12.23%

Price vs S&P 500 (4W)3.41%

Market Capitalization$2.47B

P/E Ratio (Annual)22.24x

Indicated Dividend Yield (Annual)1.61%

All Metrics

P/CF (Annual)12.16x

Book Value / Share (Quarterly)$39.89

P/TBV (Annual)1.29x

Indicated Dividend (Annual)$0.92

Revenue Growth (3Y)10.88%

Cash Flow / Share (Quarterly)$4.80

Payout Ratio (TTM)33.57%

Price vs S&P 500 (YTD)13.03%

Net Profit Margin (TTM)27.80%

EPS (TTM)$2.68

10-Day Avg Trading Volume0.18M

EPS Excl Extra (TTM)$2.68

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)22.24x

Revenue Growth QoQ (YoY)40.28%

EPS Growth (5Y)-0.95%

P/E Normalized (Annual)22.24x

ROA (Last FY)0.88%

Revenue Growth TTM (YoY)40.50%

EBITD / Share (TTM)$3.53

ROE (5Y Avg)8.31%

Operating Margin (TTM)35.10%

Cash Flow / Share (Annual)$4.80

P/B Ratio1.49x

P/B Ratio (Quarterly)1.27x

Net Income / Employee (Annual)$0

ROA (TTM)0.88%

EPS Growth QoQ (YoY)342.01%

EV / EBITDA (TTM)17.39x

EPS Incl Extra (Annual)$2.68

3-Month Avg Trading Volume0.24M

52-Week Price Return61.62%

EV / Free Cash Flow (Annual)12.79x

P/E Incl Extra (TTM)22.24x

Tangible BV / Share (Quarterly)$39.48

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 Return20.98%

13-Week Price Return7.38%

Total Debt / Equity (Annual)0.04x

Enterprise Value$2,543.437

Revenue / Share Growth (5Y)5.42%

Book Value / Share Growth (5Y)5.29%

Revenue / Employee (Annual)$324,258

Pretax Margin (Annual)47.15%

Cash / Share (Annual)$2.83

3-Month Return Std Dev30.36%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)6.08%

EBITDA Interim CAGR (5Y)-9.97%

ROE (Last FY)6.71%

EPS Basic Excl Extra (Annual)$2.68

P/FCF (TTM)12.42x

EV / Free Cash Flow (TTM)12.79x

Total Debt / Equity (Quarterly)0.04x

EPS Incl Extra (TTM)$2.68

ROI (TTM)6.66%

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/E13.13x

Free OCF CAGR (5Y)34.79%

Price vs S&P 500 (52W)26.53%

P/E Ratio (TTM)22.24x

EPS Growth TTM (YoY)9.09%

Year-to-Date Return17.17%

5-Day Price Return0.81%

EPS Normalized (Annual)$2.68

ROA (5Y Avg)0.93%

Net Profit Margin (Annual)37.40%

Month-to-Date Return5.61%

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)12.16x

ROI (5Y Avg)7.64%

P/E Excl Extra (TTM)22.24x

LT Debt / Equity (Quarterly)0.04x

EPS Basic Excl Extra (TTM)$2.68

P/TBV (Quarterly)1.29x

Payout Ratio (Annual)33.57%

P/B Ratio (Annual)1.27x

Dividend / Share (TTM)$0.90

Pretax Margin (TTM)35.10%

Book Value / Share (Annual)$39.89

Price vs S&P 500 (13W)4.51%

Net Margin Growth (5Y)12.35%

Dividend Yield (TTM)1.51%

Beta0.88x

P/FCF (Annual)12.42x

Revenue / Share (TTM)$10.20

ROE (TTM)7.03%

52-Week Low$36.38

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

4.00

4.18

4.20

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
FBNCFirst Bancorp/NC	1.27x	7.03%	0.88%	—	$60.08
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.28
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$76.78
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$135.37
FITBFifth Third Bancorp	1.23x	8.86%	0.93%	—	$50.98
FITBIFifth Third Bancorp Depositary Shares	1.23x	8.86%	0.93%	—	$25.31
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	1.23x	8.86%	0.93%	—	$25.88
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.23x	8.86%	0.93%	—	$19.50
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.23x	8.86%	0.93%	—	$24.18
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.19
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.73

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.