First Bancorp (NC)/$FBNC
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About First Bancorp (NC)
First Bancorp is a bank holding company. The company is engaged in providing commercial and consumer banking services, mortgage lending, SBA lending, accounts receivable financing, and investment advisory services.
- Ticker
- $FBNC
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 1,391
- Headquarters
- Southern Pines, United States
- Website
- localfirstbank.com
FBNC Metrics
BasicAdvanced
$2.6B
16.03
$3.97
0.86
$0.95
1.51%
Price and volume
Market cap
$2.6B
Beta
0.86
52-week high
$66.78
52-week low
$47.83
Average daily volume
207K
Dividend rate
$0.95
Financial strength
Profitability
Net profit margin (TTM)
36.22%
Operating margin (TTM)
46.18%
Effective tax rate (TTM)
19.50%
Revenue per employee (TTM)
$330,000
Management effectiveness
Return on assets (TTM)
1.27%
Return on equity (TTM)
9.90%
Valuation
Price to earnings (TTM)
16.026
Price to revenue (TTM)
5.771
Price to book
1.54
Price to tangible book (TTM)
2.16
Dividend yield (TTM)
1.49%
Forward dividend yield
1.51%
Growth
Revenue change (TTM)
24.25%
Earnings per share change (TTM)
66.30%
3-year revenue growth (CAGR)
5.60%
3-year earnings per share growth (CAGR)
11.84%
10-year earnings per share growth (CAGR)
12.18%
3-year dividend per share growth (CAGR)
2.58%
10-year dividend per share growth (CAGR)
11.50%
What the Analysts think about FBNC
Analyst ratings (Buy, Hold, Sell) for First Bancorp (NC) stock.
Analyst projections of the future price of First Bancorp (NC) stock.
Bulls say / Bears say
Profitability has momentum: third-quarter diluted EPS was $1.24 versus adjusted EPS of $1.01 a year earlier, while net interest income rose 12% and the net interest margin widened 29 basis points to 3.75%. (SEC)
Loan growth remained solid and the funding mix is supportive: loans rose 8.1% year on year, deposits increased by $245 million and non-interest-bearing accounts made up 33% of deposits; brokered deposits were nil. (SEC)
The Carolina Bank acquisition could strengthen First Bancorp’s South Carolina franchise, adding a bank with about $831 million in assets and 14 branches. The combined bank is expected to rank among the top ten by deposit share in both Carolinas. (PR Newswire)
The Carolina Bank deal brings execution and dilution risk: its $166 million consideration includes about 1.97 million new FBNC shares and $40 million in cash, and closing remains subject to approvals. First Bancorp also recorded $0.5 million of deal costs in Q3, with closing expected in early 2027. (PR Newswire, SEC)
Credit indicators have edged weaker: non-performing assets rose to 0.34% of assets from 0.31% a year earlier, while non-performing loans increased to 0.49% from 0.44% and the loan-loss allowance fell to 1.36% of loans from 1.44%. About 88% of the loan book is secured by real estate, leaving the bank exposed to property values. (SEC, SEC)
Funding costs are moving higher: in Q3 the total cost of funds rose five basis points from the prior quarter and deposit costs rose four, while deposits grew at a 1.5% annualised rate against 5.1% annualised loan growth. Further deposit repricing could erode margin gains. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 22 Oct 2026.
FBNC Financial Performance
Revenues and expenses
FBNC Earnings Performance
Company profitability
Upcoming events
No upcoming events
FBNC News
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Funds containing FBNC
Fund name | Fund size | $FBNC weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.15% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.15% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.09% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.09% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.05% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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