FIRST CAROL FIN

FCBM Financial Banks Regional

13.02 0.14 +1.09%
Market cap
$400.2M
P/E
—
Fwd P/E
—
Dividend yield
—
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions last twelve months

Bought, $m 1.66
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — 15 — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 5.01%

Capital & Financial Ratios $m

Size
Market Cap 400.17
Revenue ttm —
Net income ttm —
Free cash flow ttm —
Net debt Q (55.33)
Valuation
P/E —
Forward P/E —
Price / sales 0.00
Forward P/S Powerpack
Price / FCF 0.00
Price / book 0.75
Financial health
Current ratio Q 0.98
Debt / equity Q 0.15
Interest coverage Q —
Growth
Revenue growth Q —
Operating income growth Q —
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs —
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 2026 Q'26
Cash — — — — 119
Receivables — — — — —
Inventory — — — — —
Other — — — — —
— — — — 2,839
2023 2024 2025 2026 Q'26
Payables — — — — 2,831
ST’ Debt — — — — —
Other — — — — —
— — — — 2,910

Compound Annual Growth %

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

Earnings Trends EPS, adjusted, against the consensus

EPS $

Year
Fiscal quarters ending in the months shown.

Revenue $m

Year
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Year
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Year
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — — — — — — — — — — — 139 166 191 +17.3%
Gross margin, % — — — — — — — — — — — —
EBT — — — — — — — — — — — —
EBT margin, % — — — — — — — — — — — —
Net income — — — — — — — — — 0 — —
Per share, $
Per share, $ Revenue — — — — — — — — — — 0 —
Earnings — — — — — — — — — — — —
Cash flow — — — — — — — — — — 0 —
Capex — — — — — — — — — — 0 —
Free cash flow — — — — — — — — — — 0 —
Book value — — — — — — — — — — 0 —
Shares, m — — — — — — — — — — — —
Valuation, ×
Valuation, × P/E — — — — — — — — — — — —
P/S — — — — — — — — — — 0 —
P/B — — — — — — — — — — 0 —
EV/Sales — — — — — — — — — — 0 —
EV/FCF — — — — — — — — — — 0 —
Cash, $m
Cash, $m Operating cash flow — — — — — — — — — — — —
Capex — — — — — — — — — — — —
Free cash flow — — — — — — — — — — — —
Balance, $m
Balance, $m Working capital — — — — — — — — — — (71) —
Net debt — — — — — — — — — — (55) —
Shareholders’ equity — — — — — — — — — — 430 —
Returns, %
Returns, % ROA — — — — — — — — — — — —
ROIC — — — — — — — — — — 0 —
ROE — — — — — — — — — — — —
People
People Employees — — — — — — — — — 263 — —
Revenue/emp, $m — — — — — — — — — 0.00 — —
Negative figures in brackets.
estimates

All 10 years →

Latest quarter Jun 2026 · fundamentals updated 2 Nov 2026

FIRST CAROL FIN vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CHMG Chemung Financial Corp $417.6M 12.6× 10.1× +85.38% (above 0%: growing) n/m −18.05% (below 0%: shrinking) 75.31% 0.00% Compare
PCB PCB Bancorp $410.8M 10.3× 9.9× +1.21% (above 0%: growing) +15.87% (above 0%: growing) −67.53% (below 0%: shrinking) 57.65% 0.00% Compare
CZFS Citizens Financial Services Inc. $410.5M 10.1× 9.8× +2.61% (above 0%: growing) +20.45% (above 0%: growing) −106.85% (below 0%: shrinking) 68.26% 0.00% Compare
FNLC First Bancorp, Inc (ME) $410.2M 10.9× 10.2× +1.24% (above 0%: growing) +17.81% (above 0%: growing) −281.41% (below 0%: shrinking) 58.03% 0.00% Compare
FCBM FIRST CAROL FIN $400.2M — — — — — 60.28% 0.00%
NECB Northeast Community Bancorp Inc. $398.0M 9.1× 11.9× −5.64% (below 0%: shrinking) −11.76% (below 0%: shrinking) −14.85% (below 0%: shrinking) 68.91% 0.00% Compare
NWFL Norwood Financial Corp. $387.1M 12.5× 11.5× +28.48% (above 0%: growing) +28.36% (above 0%: growing) +65.58% (above 0%: growing) 68.32% 0.00% Compare
PKBK Parke Bancorp, Inc. $383.2M 8.6× — +9.73% (above 0%: growing) +48.57% (above 0%: growing) −12.38% (below 0%: shrinking) 60.74% 0.00% Compare
FDBC Fidelity D&D Bancorp Inc. $382.3M 12.8× 22.8× +5.91% (above 0%: growing) +11.67% (above 0%: growing) +157.33% (above 0%: growing) 70.54% 0.00% Compare
Median of peers $404.1M 10.6× 10.2× +4.26% +17.81% −16.45% 68.29% 0.00%

All 328 Banks Regional stocks →

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stockrow.com/FCBM · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com