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First Bancorp FBNC

Financial — Banks Regional
Dividend Champion (5y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.01
Total sells
3.46
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — 1
Sell — — — 2 2 — — 1 — — — —
Insider Ownership
1.20%

Capital & Financial Ratios

Market Cap
2,590.00
Revenue
574.61
Net Income
133.25
Free Cash Flow
234.23
Net Debt
(475.61)
Current Ratio
0.85
Debt/Equity
0.04
P/E ratio
19.68
P/S ratio
4.54
P/B ratio
1.52
Past 5Y EPS Growth
(9.85%)
This Y EPS Growth
69.70%
Next Y EPS Growth
8.40%
Next 5Y EPS Growth
38.42%
in millions of $

Dividends

Payout Ratio
0.27
Annual Dividend Rate
0.88
Annual Dividend Yield
2.58%
total individual payouts
2027 ‡‡‡‡
2026 0.96
—
—
—
2025 0.91
—
—
—
—
2024 0.88
—
—
—
—
2023 0.88
—
—
—
—
2022 0.88
—
—
—
—
2021 0.80
—
—
—
—
2020 0.72
—
—
—
—
2019 0.54
—
—
—
—
2018 0.40
—
—
—
—
2017 0.32
—
—
—
—
2016 0.32
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 237.86 507.51 309.60 550.33
Receivables — — — —
Inventory — — — —
Other — — — —
8,318.12 8,521.88 8,955.43 9,464.76
2023 2024 2025 Q'26
Payables 10,031.60 10,530.53 10,748.42 11,084.87
ST’ Debt — — — —
Other — — — —
10,037.30 10,535.13 10,752.17 11,088.68
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 157.57 164.35 — —
—
’25 145.58 151.02 131.32 121.38
549.30
’24 139.51 143.42 144.99 109.22
537.14
’23 130.71 135.40 139.03 141.12
546.25
’22 98.36 97.71 105.20 107.67
408.94
’21 78.68 82.51 77.07 91.27
329.53
’20 75.74 83.83 80.14 79.32
319.03
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 61.20 66.48 — —
—
’25 52.60 45.71 49.67 55.16
203.13
’24 (20.09) 87.72 38.42 68.73
174.78
’23 36.62 28.54 28.08 38.17
131.40
’22 100.14 30.37 48.69 51.45
230.65
’21 30.73 50.37 30.08 31.16
142.34
’20 13.67 30.83 (10.45) 24.29
58.33
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 59.90 64.88 — —
—
’25 53.40 43.29 53.31 56.14
206.14
’24 (21.72) 87.86 39.20 68.13
173.46
’23 36.28 27.06 26.74 37.86
127.95
’22 99.03 29.15 47.44 50.05
225.67
’21 26.42 48.58 27.55 30.70
133.25
’20 12.54 27.72 (15.01) 20.91
46.16
in millions of $

EPS

Mar Jun Sep Dec Year
’26 1.13 1.22 — —
—
’25 0.88 0.93 0.49 0.38
2.68
’24 0.61 0.70 0.45 0.08
1.84
’23 0.37 0.71 0.73 0.72
2.53
’22 0.95 1.03 1.06 1.08
4.12
’21 0.99 1.03 0.97 0.30
3.19
’20 0.62 0.56 0.81 0.83
2.81

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

1.8
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 32.90 26.00 29.53 34.50 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 49.00 43.47 50.34 56.45 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,294 1,445 1,396 1,374 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.32 0.38 0.38 0.40 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 408.94 546.25 537.14 549.30 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 96.06% 73.99% 65.19% 71.06% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 185.22 131.96 98.12 139.50 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 45.29% 24.16% 18.27% 25.40% ‡‡‡ ‡‡‡ —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 146.94 104.13 76.22 111.05 ‡‡‡‡‡ ‡‡‡‡‡ —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 26.69 31.27 26.73 21.61 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.52 13.41 13.09 13.33 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 4.12 2.53 1.85 2.68 ‡‡‡‡‡ ‡‡‡‡‡ —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.50 3.22 4.26 4.93 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.14) (0.08) (0.03) 0.07 ‡‡‡ ‡‡‡ —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 6.36 3.14 4.23 5.00 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 29.07 33.68 35.24 40.15 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 35.49 40.75 41.02 41.20 ‡‡‡‡‡ ‡‡‡‡‡ —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.18 14.70 23.77 18.95 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.64 2.77 3.36 3.81 ‡‡‡ ‡‡‡ —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 1.44 1.10 1.25 1.26 ‡‡‡ ‡‡‡ —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.22 4.05 3.15 3.93 ‡‡‡‡ ‡‡‡‡ —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.65 17.27 9.74 10.48 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 230.65 131.40 174.78 203.13 ‡‡‡ ‡‡‡ —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (4.99) (3.45) (1.32) 3.01 — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 225.67 127.95 173.46 206.14 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2,354.78) (1,719.18) (2,013.25) (1,796.74) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 507.51 630.16 91.88 74.57 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 237.19 392.30 (415.63) (235.03) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,031.60 1,372.38 1,445.61 1,654.17 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.38% 0.91% 0.63% 0.89% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.37% 5.16% 5.95% 6.14% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.92% 8.61% 5.38% 7.12% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

First Bancorp (FBNC), a Southeast U.S. community bank, delivered explosive growth over the past decade, surging revenue 249% from $156 million in 2016 to $546 million in 2023 through strategic mergers and efficient scaling—revenue per employee doubled to $385,000 while book value per share rose 91% to $35.24. Yet, 2023-2024 exposed vulnerabilities amid the regional banking crisis and Fed rate hikes, crimping net interest margins (gross margin down 31 points to 65%), slashing EPS 55% to $1.85, and dropping ROE to 5%, though robust cash flows ($175 million operating) and a net cash position provided a buffer.

Shares outperformed peers, climbing 194% since 2016 lows to near $50 highs, with resilient lows and attractive forward valuations (P/E 17x for 2025, EV/FCF 9.7x). Insider activity shows cautious confidence—modest director buys amid profit-taking sells—aligning with Wall Street’s optimistic forecasts of EPS tripling to $4.98 by 2027, revenue rebounding to $547 million, and ROE exceeding 20%, fueled by anticipated rate cuts expanding margins.

FBNC’s narrative pivots to recovery, blending regional roots, acquisition DNA, and value appeal, but risks like recession-driven provisions or deposit competition linger. With low forward multiples and strong fundamentals, it tempts patient investors betting on a happy ending.

Read full commentary →

First Bancorp (FBNC) Latest News

News by impact score

Fine-tune

24 Jul

3 , 12:57 PM
First Bancorp (FBNC) highlighted as surging stock for decades-long ownership alongside two risky stocks. Stock recommendation for FBNC may shift investor sentiment and near-term performance.

22 Jul

3 , 8:30 PM
First Bancorp (FBNC) Q2 earnings key metrics are compared against estimates. Q2 earnings metrics versus estimates can moderately affect investor sentiment on financial performance.

3 , 7:35 PM
First Bancorp (FBNC) Q2 earnings and revenues exceeded analyst estimates. Quarterly earnings beat typically drives moderate short-term stock movement without altering long-term fundamentals.

3 , 6:10 PM
First Bancorp exceeded sales expectations for Q2 2026. A quarterly sales beat can lift near-term stock price and sentiment but does not shift long-term trajectory.

3 , 4:05 PM
First Bancorp reported second quarter results. Quarterly results deliver financial metrics that moderately shift valuation and sentiment.

21 Jul

3 , 6:22 AM
First Bancorp (FBNC) prepares to report quarterly earnings with attention on revenue, EPS, loan growth, net interest margin and credit quality metrics. Upcoming earnings release may move stock price and short-term sentiment but is unlikely to alter long-term trajectory.

14 Jul

4 , 8:45 AM
First Bancorp acquires First Carolina Bancshares Corporation to expand its South Carolina presence. Acquisition represents major strategic expansion altering First Bancorp's regional footprint and growth trajectory.

6 Jul

3 , 9:16 AM
First Bancorp (FBNC) Q3 earnings release leads to evaluation of buy, sell or hold positions for the stock. Post-Q3 earnings analysis can moderately shift near-term FBNC investor sentiment and trading activity.

6 Jun

3 , 11:09 PM
Sector tailwinds and an earnings upgrade could shift First Bancorp's (FBNC) market narrative. Earnings upgrade and sector tailwinds point to noticeable but limited effects on First Bancorp trajectory.

26 Apr

3 Simply Wall St., 1:04 AM
First Bancorp (FBNC) beat Q1 earnings estimates for the fourth consecutive quarter, sparking analysis on potential investor reactions amid improving profitability and operational metrics. Repeated earnings beats highlight consistent financial performance, moderately enhancing investor confidence and short-term stock momentum.

23 Apr

4 , 9:30 AM
First Bancorp (FBNC) Q1 earnings key metrics compared to estimates, highlighting performance in revenue, EPS, net interest margin, and loan growth. Q1 earnings metrics versus estimates signal financial health and directly sway investor sentiment and stock trajectory.

22 Apr

4 , 5:45 PM
First Bancorp (FBNC) reported first-quarter earnings that beat analyst estimates. Beating Q1 earnings estimates boosts investor confidence and supports positive stock momentum.

4 Zacks, 5:45 PM
First Bancorp (FBNC) beat Q1 earnings estimates. Beating quarterly earnings estimates signals robust financial performance, likely driving positive investor sentiment and stock price gains.

4 PR Newswire, 4:05 PM
First Bancorp (FBNC) reported first quarter results, including key financial metrics such as net income, earnings per share, loan growth, deposit increases, and net interest margin amid economic conditions. Q1 earnings disclosure reveals financial health, directly shaping investor sentiment and stock trajectory.

13 Apr

4 StockStory, 6:28 PM
First Bancorp (FBNC) Q3 earnings results prompt analysts to recommend buy, sell, or hold, highlighting key financial metrics, growth prospects, and risks amid economic pressures. Q3 earnings directly shape FBNC's financial trajectory, stock valuation, and investor sentiment through detailed performance analysis.

25 Mar

3 Zacks, 12:00 PM
First Bancorp (FBNC) stands out as a new buy stock due to robust financial metrics, including solid earnings growth, attractive valuation, strong asset quality, and favorable market positioning amid regional banking opportunities. Buy recommendation highlights key financial strengths likely to moderately enhance investor sentiment and short-term performance without transformative changes.

24 Mar

3 www.fool.com, 12:10 PM
First Bancorp (FBNC) stock surges 33% amid revelation of a $3.7 million executive exit package that signals potential internal issues contrasting the price rally. FBNC's 33% stock surge despite $3.7 million executive exit creates moderate short-term market volatility and sentiment shift without fundamentally altering long-term trajectory.

6 Mar

3 StockStory, 4:34 PM
First Bancorp (FBNC) stock analyzed post-Q3 earnings for buy, sell, or hold recommendation based on financial results and outlook. Q3 earnings directly impact FBNC's financial performance and short-to-medium term market sentiment.

13 Feb

3 PR Newswire, 9:05 AM
Adam Currie, CEO of First Bank, has been elected as a director of the Federal Reserve Bank of Richmond. This appointment is expected to enhance First Bank's influence in financial policy discussions and strengthen its position in the banking sector. Currie's election could moderately influence First Bancorp's competitive positioning and market sentiment.

25 Jan

3 StockStory, 11:33 PM
First Bancorp (FBNC) is highlighted as an undervalued stock that deserves more investor attention due to its solid fundamentals and growth potential. In contrast, two other companies are facing significant challenges that could hinder their performance. The article emphasizes the importance of recognizing FBNC's strengths in a competitive market. FBNC's solid fundamentals and growth potential may moderately influence its financial performance and market sentiment.

23 Jan

4 Simply Wall St., 12:12 AM
First Bancorp (FBNC) reported strong earnings for 2025, showcasing significant profitability gains. The bank's performance reflects effective management strategies and a favorable economic environment, leading to improved financial metrics. Analysts are now reassessing the bank's valuation in light of these results, indicating a positive outlook for future growth and investor confidence. Strong earnings and profitability gains are likely to significantly impact future performance and investor sentiment.

21 Jan

4 ZacksAssociated Press FinanceMT NewswiresZacksZacksZacksZacks, 7:00 PM
First Bancorp (FBNC) reported its Q4 earnings, highlighting key metrics that reflect the bank's financial performance and operational efficiency. The results indicate a solid growth trajectory, with improvements in net interest income and a stable loan portfolio. Additionally, the bank's asset quality remains strong, contributing to a positive outlook for future performance. Analysts are optimistic about FBNC's ability to navigate market challenges and capitalize on growth opportunities. The Q4 earnings report reveals significant financial improvements and a strong outlook, likely influencing investor sentiment and future performance.

4 ZacksAssociated Press FinanceZacksZacksStockStoryZacksZacksZacks, 5:20 PM
First Bancorp (FBNC) reported its Q4 earnings, surpassing analysts' expectations. The bank's performance was driven by strong loan growth and improved net interest margins. The results reflect the company's effective management strategies and a favorable economic environment. Investors reacted positively to the news, indicating confidence in the bank's future prospects. Strong earnings performance and growth in key financial metrics suggest significant positive momentum for the company's future.

4 PR Newswire, 4:05 PM
First Bancorp reported its fourth quarter and full year results, highlighting significant growth in net income and total assets. The bank's earnings per share increased, driven by higher interest income and improved loan performance. Additionally, the company announced plans for strategic investments to enhance its market position and customer service. Overall, the results reflect a strong financial performance and a positive outlook for future growth. Strong financial performance and strategic investments indicate significant potential for future growth and market positioning.

3 Associated Press Finance, 4:29 PM
First Bancorp reported its Q4 earnings, showcasing a notable increase in net income compared to the previous year. The bank's performance was driven by higher interest income and improved asset quality. Additionally, the company highlighted its strategic initiatives aimed at enhancing operational efficiency and expanding its market presence. Overall, the results reflect a positive trajectory for First Bancorp amidst a competitive banking landscape. The earnings report indicates moderate improvements in financial performance and strategic initiatives that may influence future operations.

16 Jan

3 Simply Wall St., 12:38 PM
First Bancorp (FBNC) is highlighted as a potentially undervalued company, alongside two others, in a market analysis. The article suggests that FBNC's current trading price may not reflect its estimated intrinsic value, indicating a possible investment opportunity for investors seeking undervalued stocks. The analysis considers various financial metrics and market conditions that could influence the bank's future performance. The identification of FBNC as potentially undervalued suggests a moderate influence on investor sentiment and market performance.

14 Jan

3 StockStory, 11:01 PM
First Bancorp (FBNC) reported its Q3 earnings, prompting discussions on whether to buy, sell, or hold the stock. Analysts are evaluating the bank's financial performance, market conditions, and strategic direction in light of the earnings results. Investors are particularly focused on key metrics and future guidance provided by the company, which could influence market sentiment and stock performance moving forward. Q3 earnings results may moderately influence financial performance and investor sentiment.

6 Jan

3 StockStoryStockStoryStockStoryStockStorySimply Wall St.StockStoryStockStoryStockStory, 11:03 PM
First Bancorp (FBNC) faces challenges that suggest investors should reconsider their positions. Key reasons include concerns over rising interest rates impacting profitability, a competitive banking landscape affecting market share, and potential regulatory pressures. In light of these factors, an alternative stock is recommended for investment. Concerns about profitability and competition may moderately influence FBNC's financial performance and market positioning.

3 Simply Wall St., 1:13 PM
First Bancorp (FBNC) has experienced a steady run, but mixed signals from its price-to-earnings (P/E) ratio and discounted cash flow (DCF) analysis raise questions about its valuation. Analysts are assessing whether the current stock price accurately reflects the company's financial health and future growth potential. The divergence between P/E and DCF metrics suggests that investors should be cautious and consider various factors influencing FBNC's market performance. Mixed signals from valuation metrics indicate a moderately noticeable influence on FBNC's financial performance and market sentiment.

28 Dec

3 StockStory, 11:39 PM
First Bancorp (FBNC) is highlighted among three cash-heavy stocks that investors should approach with caution due to potential risks associated with their cash reserves. The article emphasizes the importance of evaluating the sustainability of these cash positions in the context of market volatility and economic uncertainty. Investors are advised to consider the implications of holding significant cash on the company's growth prospects and overall market performance. Concerns about cash sustainability may moderately influence investor sentiment and financial performance.
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