First Bancorp (NC)/$FBNC
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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
Primary listing
Employees
1,371
Headquarters
Website
FBNC Metrics
BasicAdvanced
$2.3B
23.52
$2.35
0.97
$0.89
1.67%
Price and volume
Market cap
$2.3B
Beta
0.97
52-week high
$56.45
52-week low
$34.50
Average daily volume
231K
Dividend rate
$0.89
Financial strength
Dividend payout ratio (TTM)
37.41%
Profitability
Net profit margin (TTM)
26.92%
Operating margin (TTM)
36.62%
Effective tax rate (TTM)
22.88%
Revenue per employee (TTM)
$260,000
Management effectiveness
Return on assets (TTM)
0.79%
Return on equity (TTM)
6.57%
Valuation
Price to earnings (TTM)
23.525
Price to revenue (TTM)
6.292
Price to book
1.47
Price to tangible book (TTM)
2.16
Price to free cash flow (TTM)
11.197
Free cash flow yield (TTM)
8.93%
Free cash flow per share (TTM)
4.929
Dividend yield (TTM)
1.61%
Forward dividend yield
1.67%
Growth
Revenue change (TTM)
-5.01%
Earnings per share change (TTM)
-14.77%
3-year revenue growth (CAGR)
2.14%
3-year earnings per share growth (CAGR)
-10.17%
10-year earnings per share growth (CAGR)
6.62%
3-year dividend per share growth (CAGR)
1.95%
10-year dividend per share growth (CAGR)
10.77%
What the Analysts think about FBNC
Analyst ratings (Buy, Hold, Sell) for First Bancorp (NC) stock.
Bulls say / Bears say
Net interest margin expanded to 3.32% in Q2 2025, driving net interest income to $96.7 million and net income to $38.6 million, up 34% year-over-year (PR Newswire).
Loans grew 6% annualized in Q2 2025 with net charge-offs at 0.06% and nonperforming assets stable at 0.28% of total assets, underscoring strong asset quality (Nasdaq).
Stephens & Co initiated coverage of FBNC with an Overweight rating and a one-year price target of $52.53, implying 27.7% upside from recent levels (Nasdaq).
Provision for credit losses doubled to $2.2 million in Q2 2025 from $1.1 million in Q1 2025, reflecting rising macroeconomic concerns and potential stress from Hurricane Helene (Nasdaq).
Unrealized losses on available-for-sale securities remained elevated at $298.9 million as of June 30, 2025, exposing the bank to mark-to-market volatility from interest-rate fluctuations (Nasdaq).
Only 59.7% of deposits are federally insured, with insured or collateralized deposits totaling 66.3%, leaving over a third of deposits vulnerable in a liquidity stress scenario (Nasdaq).
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2025.
FBNC Financial Performance
Revenues and expenses
FBNC Earnings Performance
Company profitability
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
Sept30
First Bancorp (NC)
DividendEx-dividend
Oct25
First Bancorp (NC)
DividendPayment
$0.23Per share
FAQs
What’s the current market cap for First Bancorp (NC) stock?
First Bancorp (NC) (FBNC) has a market cap of $2.3B as of September 15, 2025.
What is the P/E ratio for First Bancorp (NC) stock?
The price to earnings (P/E) ratio for First Bancorp (NC) (FBNC) stock is 23.52 as of September 15, 2025.
Does First Bancorp (NC) stock pay dividends?
Yes, the First Bancorp (NC) (FBNC) stock pays dividends to shareholders. As of September 15, 2025, the dividend rate is $0.89 and the yield is 1.67%. First Bancorp (NC) has a payout ratio of 37.41% on a trailing twelve-month basis.
When is the next First Bancorp (NC) dividend payment date?
The next First Bancorp (NC) (FBNC) dividend payment is scheduled for October 25, 2025.
What is the beta indicator for First Bancorp (NC)?
First Bancorp (NC) (FBNC) has a beta rating of 0.97. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.