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Friday 6 November 2026
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First Bancorp
FBNC Financial Banks Regional
First Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $549.3 million, up 2.26% from fiscal 2024.
- Revenue
- +28.8%
- EPS
- +154.0%
- Free cash flow
- +103.2%
- Total debt
- −19.1%
Quarter to September 2026, against a year earlier
64.95
1.05
−1.59%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
19.85 | 19.82 | 10.81 | 12.87 | 12.00 | 13.90 | 10.18 | 14.70 | 23.77 | 18.95 |
Piotroski F-Score |
5 | 5 | 5 | 5 | 5 | 5 | 6 | 5 | 4 | 7 |
P/S ratio |
3.44 | 3.97 | 3.33 | 3.81 | 3.06 | 4.15 | 3.64 | 2.77 | 3.36 | 3.81 |
P/FCF ratio |
15.58 | 40.28 | 25.12 | 23.82 | 21.14 | 10.25 | 6.60 | 11.84 | 10.40 | 10.15 |
P/Operating CF |
56.12 | 24.51 | 42.50 | 66.19 | 40.17 | 43.84 | 28.94 | 39.70 | 26.24 | 37.94 |
P/B ratio |
1.46 | 1.30 | 1.26 | 1.38 | 1.09 | 1.11 | 1.44 | 1.10 | 1.25 | 1.26 |
Price to Tangible BV |
1.87 | 2.07 | 1.90 | 1.96 | 1.53 | 1.61 | 2.27 | 1.75 | 1.91 | 1.81 |
EV/Sales |
3.22 | 3.61 | 3.13 | 4.03 | 2.10 | 2.95 | 3.68 | 3.49 | 2.58 | 3.38 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
12.22 | 30.46 | 19.59 | 24.37 | 11.49 | 6.83 | 6.53 | 14.52 | 7.94 | 9.14 |
EV/FCF |
14.58 | 36.61 | 23.66 | 25.22 | 14.52 | 7.30 | 6.67 | 14.91 | 8.00 | 9.01 |
Quick Ratio |
0.10 | 0.11 | 0.10 | 0.05 | 0.06 | 0.05 | 0.03 | 0.02 | 0.05 | 0.03 |
Current Ratio |
1.02 | 1.03 | 1.01 | 0.95 | 0.82 | 0.72 | 0.74 | 0.83 | 0.81 | 0.83 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
7.51% | 7.35% | 6.93% | 4.89% | 0.85% | 0.64% | 2.71% | 5.20% | 0.76% | 0.59% |
Debt/Equity |
0.74 | 0.59 | 0.53 | 0.35 | 0.07 | 0.05 | 0.28 | 0.46 | 0.06 | 0.05 |
Asset Turnover |
0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 |
Operating CF/Net income |
1.51 | 0.58 | 0.52 | 0.56 | 0.72 | 1.50 | 1.58 | 1.27 | 2.31 | 1.84 |
Capex/Depreciation |
(0.73) | (0.36) | (0.52) | (0.10) | (0.65) | (0.35) | (0.19) | (0.11) | (0.05) | 0.14 |
| 7.78% | 8.67% | 12.25% | 11.33% | 9.29% | 8.96% | 12.92% | 8.61% | 5.38% | 7.12% | |
| 0.78% | 1.00% | 1.56% | 1.53% | 1.21% | 1.07% | 1.38% | 0.91% | 0.63% | 0.89% | |
ROIC |
8.16% | 7.81% | 10.23% | 7.90% | 10.96% | 10.24% | 11.34% | 5.16% | 5.95% | 6.14% |
Return on Tangible Assets |
20.74% | 18.91% | 52.87% | (77.02%) | (7.80%) | (3.93%) | (6.58%) | (6.60%) | (4.06%) | (6.66%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
66.54% | 58.94% | 49.84% | 49.87% | 60.30% | 54.41% | 48.63% | 45.86% | 45.70% | 44.63% |
Intangible Assets out of Total Assets |
0.02 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
Share Based Compensation of Revenue |
0.46% | 0.48% | 0.54% | 0.73% | 0.80% | 0.69% | 0.73% | 0.94% | 0.92% | 0.69% |
Graham Net Nets |
(0.45) | (0.35) | (0.40) | (0.50) | (1.31) | (1.98) | (1.83) | (1.60) | (1.21) | (0.98) |
Graham Number |
23.75 | 33.37 | 41.91 | 44.86 | 44.34 | 55.22 | 51.91 | 43.79 | 38.30 | 49.21 |
Earnings Yield |
5.04% | 5.04% | 9.25% | 7.77% | 8.34% | 7.20% | 9.82% | 6.80% | 4.21% | 5.28% |
Free Cash Flow Yield |
6.42% | 2.48% | 3.98% | 4.20% | 4.73% | 9.75% | 15.16% | 8.44% | 9.62% | 9.85% |
Revenue per Share |
7.84 | 8.99 | 9.81 | 10.48 | 11.06 | 11.03 | 11.52 | 13.41 | 13.09 | 13.33 |
Operating CF per Share |
2.07 | 1.06 | 1.57 | 1.73 | 2.02 | 4.76 | 6.50 | 3.22 | 4.26 | 4.93 |
Capex per Share |
(0.33) | (0.18) | (0.27) | (0.06) | (0.42) | (0.30) | (0.14) | (0.08) | (0.03) | 0.07 |
Free Cash Flow per Share |
1.73 | 0.89 | 1.30 | 1.68 | 1.60 | 4.46 | 6.36 | 3.14 | 4.23 | 5.00 |
Cash per Share |
15.33 | 19.42 | 15.66 | 7.83 | 12.74 | 15.44 | 7.62 | 5.84 | 12.37 | 7.52 |
Shareholders Equity per Share |
18.44 | 27.49 | 25.85 | 28.85 | 30.98 | 41.19 | 29.07 | 33.68 | 35.24 | 40.15 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
18.44 | 27.49 | 25.85 | 28.85 | 30.98 | 41.19 | 29.07 | 33.68 | 35.24 | 40.15 |
Free Cash Flow |
34.61 | 22.33 | 38.44 | 49.50 | 46.16 | 133.25 | 225.67 | 127.95 | 173.46 | 206.14 |
Working Capital |
56.43 | 126.92 | 49.89 | (233.78) | (1,159.66) | (2,554.99) | (2,354.78) | (1,719.18) | (2,013.25) | (1,796.74) |
Capital Expenditures |
(6.66) | (4.51) | (7.97) | (1.73) | (12.17) | (9.09) | (4.99) | (3.45) | (1.32) | 3.01 |
Net Current Asset Value |
(242.43) | (318.94) | (388.68) | (591.51) | (1,281.49) | (2,708.08) | (2,717.96) | (2,424.44) | (2,180.20) | (2,058.74) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.04 | 0.02 | 0.03 | 0.01 | 0.04 | 0.03 | 0.01 | 0.01 | 0.00 | (0.01) |
Price to Operating Income |
12.37 | 11.78 | 8.34 | 10.13 | 9.46 | 9.96 | 7.82 | 10.40 | 18.38 | 15.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.12 | 0.11 | 0.13 | 0.14 | 0.16 | 0.19 | 0.20 | 0.21 | 0.19 | 0.16 |
Cash ROIC |
3.66% | 1.40% | 2.35% | 3.58% | 3.49% | 7.57% | 14.20% | 5.71% | 8.48% | 10.11% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
141,420.25 | 126,946.46 | 71,525.37 | 53,091.01 | 117,056.67 | 349,731.13 | 209,156.56 | 25,767.12 | 20,557.87 | 24,675.91 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,879.32 | 3,677.15 | 4,533.15 | 4,795.35 | 5,602.48 | 7,699.11 | 9,176.08 | 9,629.56 | 10,281.07 | 10,639.48 |
Average Assets |
3,488.46 | 4,580.95 | 5,705.58 | 6,003.88 | 6,716.70 | 8,899.33 | 10,566.98 | 11,370.00 | 12,131.32 | 12,408.02 |
Average Common Equity |
351.50 | 530.54 | 728.60 | 808.32 | 872.91 | 1,062.00 | 1,131.09 | 1,201.99 | 1,409.00 | 1,549.89 |
Columns are period end dates · fundamentals updated 5 Nov 2026