First Bancorp (NC)/$FBNC
1D1W1MYTD1Y5YMAX
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
- 1,353
- Headquarters
- Southern Pines, United States
- Website
- localfirstbank.com
FBNC Metrics
BasicAdvanced
$2.7B
19.99
$3.22
0.82
$0.94
1.49%
Price and volume
Market cap
$2.7B
Beta
0.82
52-week high
$66.78
52-week low
$45.96
Average daily volume
173K
Dividend rate
$0.94
Financial strength
Dividend payout ratio (TTM)
28.93%
Profitability
Net profit margin (TTM)
32.44%
Operating margin (TTM)
41.49%
Effective tax rate (TTM)
19.37%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
1.04%
Return on equity (TTM)
8.14%
Valuation
Price to earnings (TTM)
19.986
Price to revenue (TTM)
6.455
Price to book
1.55
Price to tangible book (TTM)
2.18
Price to free cash flow (TTM)
11.68
Free cash flow yield (TTM)
8.56%
Free cash flow per share (TTM)
5.505
Dividend yield (TTM)
1.46%
Forward dividend yield
1.49%
Growth
Revenue change (TTM)
13.77%
Earnings per share change (TTM)
37.06%
3-year revenue growth (CAGR)
2.71%
3-year earnings per share growth (CAGR)
0.70%
10-year earnings per share growth (CAGR)
8.89%
3-year dividend per share growth (CAGR)
2.22%
10-year dividend per share growth (CAGR)
11.38%
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
Net interest income expanded to $111.3 million in Q2 2026, a 15.1% increase year-over-year, driven by $708.9 million of loan growth and a 14 basis-point increase in net interest margin to 3.71% (Nasdaq Q2 PDF)
Balance sheet growth remains robust, with total assets rising to $13.0 billion at June 30, 2026, up $433.4 million or 3.4% year-over-year (Nasdaq Q2 PDF)
Strategic expansion accelerates with the July 14, 2026 agreement to acquire First Carolina Bancshares—adding $831 million in assets and 14 branches in South Carolina—which is expected to be earnings accretive upon closing in late Q4 2026 or early Q1 2027 (Nasdaq Q2 PDF)
Credit quality shows slight deterioration as nonperforming assets rose to 0.34% of total assets at June 30, 2026, up from 0.28% a year earlier (Nasdaq Q2 PDF)
Operating efficiency is pressured by rising costs, with noninterest expenses increasing to $62.8 million in Q2 2026, up 6.5% year-over-year and resulting in a 49.12% efficiency ratio (Nasdaq Q2 PDF)
Funding costs are climbing, as the cost of money market deposits rose by 8 basis points and interest expense on deposits increased 5% quarter-over-quarter to $35.8 million, which could compress net interest margins (Nasdaq Q2 PDF)
Data summarised monthly by Lightyear AI. Last updated on 21 Aug 2026.
FBNC Financial Performance
Revenues and expenses
FBNC Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing FBNC
AllUSDGBPEUR
Fund name | Fund size | $FBNC weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.15% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.15% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.09% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.02% |
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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