First Bancorp(FBNC)Earnings, Financials & Key Ratios

FBNC•NASDAQ•Banking & Credit

22.7× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

AboutFirst Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and small to medium-sized businesses primarily in North Carolina and northeastern South Carolina. It accepts deposit products, such as checking, savings, and money market accounts, as well as time deposits, including certificate of deposits and individual retirement accounts. The company also offers loans for a range of consumer and commercial purposes comprising loans for business, real estate, personal, home improvement, and automobiles, as well as residential mortgages and small business administration loans; and accounts receivable financing and factoring, inventory financing, and purchase order financing services. In addition, it provides credit and debit cards, letter of credits, and safe deposit box rental services, as well as electronic funds transfer services consisting of wire transfers; and internet and mobile banking, cash management, bank-by-phone services, and remote deposit capture services. Further, the company offers investment and insurance products, such as mutual funds, annuities, long-term care insurance, life insurance, and company retirement plans, as well as property and casualty insurance products; and financial planning services. As of December 31, 2021, it operated 121 branches comprising 114 branch offices located in North Carolina and seven branches in South Carolina. First Bancorp was founded in 1934 and is headquartered in Southern Pines, North Carolina.Show more

Net Interest Income$398M+19.9%
Total Revenue$543M+2.3%
Net Income$111M+45.7%
Return on Equity7.16%+32.5%
Net Interest Margin3.14%+14.9%
Efficiency Ratio43.56%+0.8%
ROA0.9%+42.5%
Equity / Assets13.06%+9.7%
Book Value per Share40.00+14.4%

FBNC Key Insights

First Bancorp (FBNC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Company is almost debt free
✓Efficient operations: 43.6% efficiency ratio
✓Well capitalized: 13.1% equity/assets
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FBNC Price & Volume

First Bancorp (FBNC) stock price & volume — 10-year historical chart

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FBNC Growth Metrics

First Bancorp (FBNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.32%

5 Years11.27%

3 Years10.04%

TTM-

Profit CAGR

10 Years15.18%

5 Years6.39%

3 Years-8.91%

TTM45.7%

EPS CAGR

10 Years7.5%

5 Years-0.94%

3 Years-13.35%

TTM45.2%

Return on Capital

10 Years9.52%

5 Years8.44%

3 Years6.28%

Last Year5.94%

FBNC Recent Earnings

First Bancorp (FBNC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 9/12 qtrs (75%)●Beat Revenue 3/12 qtrs (25%)

Q2 2026Latest

Apr 22, 2026

Metric

Actual

Est

EPS

$1.13+3.7%

$1.09

Rev

$122M-0.7%

$123M

Q1 2026

Jan 21, 2026

Metric

Actual

Est

EPS

$1.19+15.5%

$1.03

Rev

$84M-31.5%

$122M

Q4 2025

Oct 22, 2025

Metric

Actual

Est

EPS

$1.01+19.1%

$0.85

Rev

$128M+12.5%

$114M

Q3 2025

Jul 23, 2025

Metric

Actual

Est

EPS

$0.93+5.7%

$0.88

Rev

$109M-3.6%

$113M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 22, 2026	$1.13vs $1.09+3.7%	$122Mvs $123M-0.7%
Q1 2026	Jan 21, 2026	$1.19vs $1.03+15.5%	$84Mvs $122M-31.5%
Q4 2025	Oct 22, 2025	$1.01vs $0.85+19.1%	$128Mvs $114M+12.5%
Q3 2025	Jul 23, 2025	$0.93vs $0.88+5.7%	$109Mvs $113M-3.6%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
SFNCSimmons First National CorporationDirect Competitor	3.18B	21.90	-7.42	-56.66%	-64.33%	-11.48%	0.19
HOMBHome Bancshares, Inc.Direct Competitor	5.47B	27.65	11.47	-5.35%	34.59%	11.43%	0.22
FFINFirst Financial Bankshares, Inc.Direct Competitor	4.7B	32.78	18.52	11.71%	30.71%	14.16%	0.01
UBSIUnited Bankshares, Inc.Direct Competitor	6.2B	44.42	13.58	12.33%	25.52%	8.6%	0.17
NBTBNBT Bancorp Inc.Direct Competitor	2.44B	46.68	14.02	10.36%	18.76%	9.51%	0.17
WSFSWSFS Financial CorporationDirect Competitor	3.91B	74.14	14.57	-3.05%	21.14%	10.65%	0.11
TOWNTowneBankDirect Competitor	2.65B	34.71	15.71	-1.61%	15.63%	7.28%	0.15
BANRBanner CorporationProduct Competitor	2.2B	64.83	11.49	-0.95%	23.84%	10.34%	0.19

Compare FBNC vs Peers

First Bancorp (FBNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFNC

Most directly comparable listed peer for FBNC.

Scale Benchmark

vs V

Larger-name benchmark to compare FBNC against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFNC, HOMB, FFIN, UBSI

FBNC Income Statement

First Bancorp (FBNC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	164.71M	207.43M	216.2M	218.12M	246.4M	324.85M	346.66M	332.27M	398.25M
NII Growth %	33.5%	25.94%	4.23%	0.89%	12.96%	31.84%	6.71%	-4.15%	19.86%
Net Interest Margin %	2.97%	3.54%	3.52%	2.99%	2.34%	3.06%	2.86%	2.74%	3.14%
Interest Income	177.38M	231.21M	250.11M	237.68M	255.92M	340.96M	488.76M	519.24M	557.24M
Interest Expense	12.67M	23.78M	33.9M	19.56M	9.52M	16.1M	142.1M	186.97M	158.99M
Loan Loss Provision	723K	-3.59M	2.26M	35.04M	15.03M	12.4M	17.81M	16.45M	3.33M
Non-Interest Income	48.7M	58.38M	58.59M	80.8M	68.98M	66.7M	52.35M	11.57M	-14.11M
Non-Interest Income %	21.54%	20.16%	18.98%	25.37%	21.23%	16.36%	9.67%	2.18%	-2.6%
Total Revenue	226.08M▲ 0%	289.58M▲ 28.1%	308.7M▲ 6.6%	318.48M▲ 3.2%	324.9M▲ 2.0%	407.66M▲ 25.5%	541.11M▲ 32.7%	530.81M▼ 1.9%	543.12M▲ 2.3%
Revenue Growth %	35.55%	28.09%	6.6%	3.17%	2.01%	25.47%	32.74%	-1.9%	2.32%
Non-Interest Expense	144.95M	155.92M	156.25M	160.75M	180.02M	193.94M	249.24M	229.28M	236.58M
Efficiency Ratio	64.11%	53.84%	50.62%	50.47%	55.41%	47.57%	46.06%	43.19%	43.56%
Operating Income	67.74M▲ 0%	113.48M▲ 67.5%	116.28M▲ 2.5%	103.13M▼ 11.3%	120.32M▲ 16.7%	185.22M▲ 53.9%	131.96M▼ 28.8%	98.12M▼ 25.6%	144.23M▲ 47.0%
Operating Margin %	29.96%	39.19%	37.67%	32.38%	37.03%	45.43%	24.39%	18.48%	26.56%
Operating Income Growth %	60.77%	67.52%	2.47%	-11.3%	16.67%	53.94%	-28.76%	-25.64%	47%
Pretax Income	67.74M▲ 0%	113.48M▲ 67.5%	116.28M▲ 2.5%	103.13M▼ 11.3%	120.32M▲ 16.7%	185.22M▲ 53.9%	131.96M▼ 28.8%	98.12M▼ 25.6%	139.5M▲ 42.2%
Pretax Margin %	29.96%	39.19%	37.67%	32.38%	37.03%	45.43%	24.39%	18.48%	25.68%
Income Tax	21.77M	24.19M	24.23M	21.65M	24.68M	38.28M	27.82M	21.9M	28.45M
Effective Tax Rate %	32.13%	21.32%	20.84%	21%	20.51%	20.67%	21.09%	22.32%	20.4%
Net Income	45.97M▲ 0%	89.29M▲ 94.2%	92.05M▲ 3.1%	81.48M▼ 11.5%	95.64M▲ 17.4%	146.94M▲ 53.6%	104.13M▼ 29.1%	76.22M▼ 26.8%	111.05M▲ 45.7%
Net Margin %	20.33%	30.83%	29.82%	25.58%	29.44%	36.04%	19.24%	14.36%	20.45%
Net Income Growth %	67.12%	94.22%	3.09%	-11.48%	17.39%	53.63%	-29.13%	-26.81%	45.7%
Net Income (Continuing)	45.97M	89.29M	92.05M	81.48M	95.64M	146.94M	104.13M	76.22M	111.05M
EPS (Diluted)	1.82▲ 0%	3.01▲ 65.4%	3.10▲ 3.0%	2.81▼ 9.4%	2.68▼ 4.6%	4.12▲ 53.7%	2.51▼ 39.1%	1.84▼ 26.7%	2.68▲ 45.7%
EPS Growth %	36.84%	65.38%	2.99%	-9.35%	-4.63%	53.73%	-39.08%	-26.69%	45.65%
EPS (Basic)	1.82	3.02	3.12	2.85	2.68	4.12	2.54	1.85	2.68
Diluted Shares Outstanding	25.29M	29.71M	29.72M	28.98M	35.63M	35.67M	41.16M	41.33M	41.35M

FBNC Balance Sheet

First Bancorp (FBNC) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	832.76M	964.25M	1.05B	1.82B	3.09B	2.58B	2.43B	2.4B	2.2B
Cash & Due from Banks	489.49M	462.9M	231.3M	367.29M	461.16M	270.32M	237.85M	507.51M	146.76M
Short Term Investments	343.27M	501.35M	821.95M	1.45B	2.63B	2.31B	2.19B	1.9B	2.05B
Total Investments	4.49B	4.83B	5.34B	6.35B	9.23B	9.43B	10.77B	10.54B	2.05B
Investments Growth %	48.88%	7.6%	10.48%	18.84%	45.36%	2.21%	14.15%	-2.09%	-80.57%
Long-Term Investments	4.15B	4.33B	4.52B	4.89B	6.6B	7.12B	8.58B	8.64B	0
Accounts Receivables	14.09M	16M	16.65M	20.27M	25.9M	29.71M	37.35M	36.33M	39.21M
Goodwill & Intangibles	257.51M	255.48M	251.59M	254.64M	382.09M	376.94M	508.26M	501.65M	495.98M
Goodwill	233.07M	234.37M	234.37M	239.27M	364.26M	364.26M	478.75M	478.75M	478.75M
Intangible Assets	24.44M	21.11M	17.22M	15.37M	17.83M	12.68M	29.51M	22.9M	17.23M
PP&E (Net)	116.23M	119M	134.53M	138.02M	156.81M	152.92M	150.96M	143.46M	139.13M
Other Assets	176.41M	175.84M	167.92M	161.58M	255.52M	363.51M	414.55M	417.64M	0
Total Current Assets	846.85M	980.25M	1.07B	1.84B	3.12B	2.61B	2.46B	2.44B	2.23B
Total Non-Current Assets	4.7B	4.88B	5.07B	5.45B	7.39B	8.01B	9.65B	9.71B	635.11M
Total Assets	5.55B▲ 0%	5.86B▲ 5.7%	6.14B▲ 4.8%	7.29B▲ 18.7%	10.51B▲ 44.2%	10.63B▲ 1.1%	12.11B▲ 14.0%	12.15B▲ 0.3%	12.67B▲ 4.3%
Asset Growth %	53.45%	5.71%	4.77%	18.66%	44.16%	1.11%	14.02%	0.27%	4.29%
Return on Assets (ROA)	1%	1.57%	1.53%	1.21%	1.07%	1.39%	0.92%	0.63%	0.9%
Accounts Payable	1.24M	1.98M	2.15M	904K	607K	2.74M	5.7M	4.6M	0
Total Debt	693.84M	692.9M	501.82M	22.99M	19.5M	237.82M	321.67M	14.55M	74.57M
Net Debt	204.35M	230.01M	270.52M	-344.3M	-441.66M	-32.5M	83.81M	-492.95M	-72.19M
Long-Term Debt	350.84M	349.9M	243.97M	5.13M	-1.69M	218.43M	303.83M	14.55M	74.57M
Short-Term Debt	343M	343M	238M	0	0	0	0	0	0
Other Liabilities	-247.97M	-254.33M	-144.09M	98.84M	133.59M	125.36M	383.6M	152.4M	0
Total Current Liabilities	4.75B	5B	5.17B	6.27B	9.13B	9.23B	10.04B	10.54B	9.42B
Total Non-Current Liabilities	102.87M	95.57M	119.73M	121.83M	153.09M	363.19M	705.26M	166.95M	74.57M
Total Liabilities	4.85B	5.1B	5.29B	6.4B	9.28B	9.59B	10.74B	10.7B	11.01B
Total Equity	692.98M▲ 0%	764.23M▲ 10.3%	852.4M▲ 11.5%	893.42M▲ 4.8%	1.23B▲ 37.7%	1.03B▼ 16.2%	1.37B▲ 33.0%	1.45B▲ 5.3%	1.65B▲ 14.4%
Equity Growth %	88.26%	10.28%	11.54%	4.81%	37.74%	-16.17%	33.03%	5.34%	14.43%
Equity / Assets (Capital Ratio)	12.49%	13.03%	13.87%	12.26%	11.71%	9.71%	11.33%	11.9%	13.06%
Return on Equity (ROE)	8.67%	12.25%	11.39%	9.33%	9.01%	12.99%	8.66%	5.41%	7.16%
Book Value per Share	27.40	25.73	28.68	30.83	34.54	28.92	33.34	34.98	40.00
Tangible BV per Share	17.22	17.13	20.22	22.04	23.81	18.35	20.99	22.84	28.01
Common Stock	432.79M	434.45M	429.51M	400.58M	722.67M	725.15M	963.99M	971.31M	973.88M
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0
Retained Earnings	264.33M	341.74M	417.76M	478.49M	532.87M	648.42M	716.42M	756.33M	829.66M
Accumulated OCI	-4.15M	-11.96M	5.12M	14.35M	-24.97M	-341.98M	-308.03M	-282.03M	-149.38M
Treasury Stock	-3.58M	-3.23M	-2.59M	-2.24M	-1.8M	-1.58M	-1.39M	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

FBNC Cash Flow Statement

First Bancorp (FBNC) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	26.84M	46.41M	51.24M	58.33M	142.34M	230.65M	131.4M	174.78M	203.13M
Operating CF Growth %	-34.97%	72.93%	10.4%	13.85%	144%	62.05%	-43.03%	33.02%	16.22%
Net Income	45.97M	89.29M	92.05M	81.48M	95.64M	146.94M	104.13M	76.22M	111.05M
Depreciation & Amortization	9.73M	12.84M	13.89M	13.6M	13.93M	15.33M	19.21M	17.88M	14.93M
Deferred Taxes	0	0	1.59M	-10.01M	-4.8M	-1.81M	-782K	-4.87M	30.92M
Other Non-Cash Items	-25.28M	-55.55M	-54.53M	-34.48M	18.95M	65.56M	-8.45M	80.44M	73.08M
Working Capital Changes	-4.68M	-1.74M	-4.03M	5.2M	16.35M	1.66M	12.16M	193K	-30.61M
Cash from Investing	-128.53M	-313.28M	-424.69M	-961.54M	-1.27B	-713.36M	-191.37M	169.67M	-562.07M
Purchase of Investments	-191.55M	-230.79M	-498.89M	-1.19B	-1.85B	-401.76M	-10.92M	-501.72M	-615.01M
Sale/Maturity of Investments	200.94M	77.05M	231.18M	476.57M	478.38M	257.81M	280.67M	640.95M	683.65M
Net Investment Activity	9.39M	-153.74M	-267.71M	-718.35M	-1.37B	-143.94M	269.75M	139.23M	68.64M
Acquisitions	72.52M	0	0	-9.56M	208.99M	0	22.61M	0	0
Other Investing	-205.78M	-148.82M	-153.44M	-221.26M	-104.89M	-564.13M	-479.31M	33.09M	-626.47M
Cash from Financing	285.19M	240.28M	141.85M	1.04B	1.23B	291.86M	27.51M	-74.8M	161.03M
Dividends Paid	-7.6M	-11.28M	-13.66M	-20.94M	-22.23M	-30.66M	-34.94M	-36.25M	-37.28M
Share Repurchases	0	0	-10M	-31.87M	-4.04M	0	0	0	-991K
Stock Issued	0	0	0	0	0	0	0	4.09M	1.49M
Net Stock Activity	0	0	-10M	-31.87M	-4.04M	0	0	4.09M	500K
Debt Issuance (Net)	1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K	-1000K
Other Financing	195.75M	252.67M	271.63M	1.34B	1.26B	102.65M	-240.56M	496.41M	215.86M
Net Change in Cash	183.5M▲ 0%	-26.59M▼ 114.5%	-231.6M▼ 770.9%	135.99M▲ 158.7%	93.87M▼ 31.0%	-190.84M▼ 303.3%	-32.46M▲ 83.0%	269.65M▲ 930.6%	-197.91M▼ 173.4%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	305.99M	489.49M	462.9M	231.3M	367.29M	461.16M	270.32M	237.85M	507.51M
Cash at End	489.49M	462.9M	231.3M	367.29M	461.16M	270.32M	237.85M	507.51M	309.6M
Interest Paid	12.24M	23.04M	33.73M	20.81M	10.21M	14.31M	135.7M	186.89M	159.16M
Income Taxes Paid	19.54M	21.16M	24.34M	29.6M	32.51M	39.72M	29.73M	33.5M	11.02M
Free Cash Flow	22.18M▲ 0%	35.69M▲ 60.9%	47.7M▲ 33.7%	45.97M▼ 3.6%	132.93M▲ 189.2%	225.37M▲ 69.5%	126.97M▼ 43.7%	172.12M▲ 35.6%	198.89M▲ 15.5%
FCF Growth %	-31.93%	60.9%	33.67%	-3.63%	189.17%	69.53%	-43.66%	35.56%	15.55%

FBNC Banking Ratios

First Bancorp (FBNC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	7.75%	8.67%	12.25%	11.39%	9.33%	9.01%	12.99%	8.66%	5.41%	7.16%
Return on Assets (ROA)	0.79%	1%	1.57%	1.53%	1.21%	1.07%	1.39%	0.92%	0.63%	0.9%
Net Interest Margin	3.41%	2.97%	3.54%	3.52%	2.99%	2.34%	3.06%	2.86%	2.74%	3.14%
Efficiency Ratio	70.19%	64.11%	53.84%	50.62%	50.47%	55.41%	47.57%	46.06%	43.19%	43.56%
Equity / Assets	10.18%	12.49%	13.03%	13.87%	12.26%	11.71%	9.71%	11.33%	11.9%	13.06%
Book Value / Share	17.75	27.4	25.73	28.68	30.83	34.54	28.92	33.34	34.98	40
NII Growth	3.03%	33.5%	25.94%	4.23%	0.89%	12.96%	31.84%	6.71%	-4.15%	19.86%
Dividend Payout	23.26%	16.52%	12.63%	14.84%	25.7%	23.24%	20.87%	33.55%	47.56%	33.57%

FBNC SEC Filings & Documents

First Bancorp (FBNC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 22, 2026·SEC

Material company update

Mar 13, 2026·SEC

Material company update

Mar 2, 2026·SEC

10-K Annual Reports

FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 26, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 9, 2025·SEC

FBNC Frequently Asked Questions

First Bancorp (FBNC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

First Bancorp (FBNC) grew revenue by 2.3% over the past year. Growth has been modest.

Yes, First Bancorp (FBNC) is profitable, generating $111.0M in net income for fiscal year 2025 (20.4% net margin).

Dividend & Returns

Yes, First Bancorp (FBNC) pays a dividend with a yield of 1.48%. This makes it attractive for income-focused investors.

First Bancorp (FBNC) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.

Industry Metrics

First Bancorp (FBNC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

First Bancorp (FBNC) has an efficiency ratio of 43.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FBNC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in FBNC be worth today?

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 22, 2026

$1.13vs $1.09+3.7%

$122Mvs $123M-0.7%

Q1 2026

Jan 21, 2026

$1.19vs $1.03+15.5%

$84Mvs $122M-31.5%

Q4 2025

Oct 22, 2025

$1.01vs $0.85+19.1%

$128Mvs $114M+12.5%

Q3 2025

Jul 23, 2025

$0.93vs $0.88+5.7%

$109Mvs $113M-3.6%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

164.71M

207.43M

216.2M

218.12M

246.4M

324.85M

346.66M

332.27M

398.25M

NII Growth %

33.5%

25.94%

4.23%

0.89%

12.96%

31.84%

6.71%

-4.15%

19.86%

Net Interest Margin %

2.97%

3.54%

3.52%

2.99%

2.34%

3.06%

2.86%

2.74%

3.14%

Interest Income

177.38M

231.21M

250.11M

237.68M

255.92M

340.96M

488.76M

519.24M

557.24M

Interest Expense

12.67M

23.78M

33.9M

19.56M

9.52M

16.1M

142.1M

186.97M

158.99M

Loan Loss Provision

723K

-3.59M

2.26M

35.04M

15.03M

12.4M

17.81M

16.45M

3.33M

Non-Interest Income

48.7M

58.38M

58.59M

80.8M

68.98M

66.7M

52.35M

11.57M

-14.11M

Non-Interest Income %

21.54%

20.16%

18.98%

25.37%

21.23%

16.36%

9.67%

2.18%

-2.6%

Total Revenue

226.08M▲ 0%

289.58M▲ 28.1%

308.7M▲ 6.6%

318.48M▲ 3.2%

324.9M▲ 2.0%

407.66M▲ 25.5%

541.11M▲ 32.7%

530.81M▼ 1.9%

543.12M▲ 2.3%

Revenue Growth %

35.55%

28.09%

6.6%

3.17%

2.01%

25.47%

32.74%

-1.9%

2.32%

Non-Interest Expense

144.95M

155.92M

156.25M

160.75M

180.02M

193.94M

249.24M

229.28M

236.58M

Efficiency Ratio

64.11%

53.84%

50.62%

50.47%

55.41%

47.57%

46.06%

43.19%

43.56%

Operating Income

67.74M▲ 0%

113.48M▲ 67.5%

116.28M▲ 2.5%

103.13M▼ 11.3%

120.32M▲ 16.7%

185.22M▲ 53.9%

131.96M▼ 28.8%

98.12M▼ 25.6%

144.23M▲ 47.0%

Operating Margin %

29.96%

39.19%

37.67%

32.38%

37.03%

45.43%

24.39%

18.48%

26.56%

Operating Income Growth %

60.77%

67.52%

2.47%

-11.3%

16.67%

53.94%

-28.76%

-25.64%

47%

Pretax Income

67.74M▲ 0%

113.48M▲ 67.5%

116.28M▲ 2.5%

103.13M▼ 11.3%

120.32M▲ 16.7%

185.22M▲ 53.9%

131.96M▼ 28.8%

98.12M▼ 25.6%

139.5M▲ 42.2%

Pretax Margin %

29.96%

39.19%

37.67%

32.38%

37.03%

45.43%

24.39%

18.48%

25.68%

Income Tax

21.77M

24.19M

24.23M

21.65M

24.68M

38.28M

27.82M

21.9M

28.45M

Effective Tax Rate %

32.13%

21.32%

20.84%

21%

20.51%

20.67%

21.09%

22.32%

20.4%

Net Income

45.97M▲ 0%

89.29M▲ 94.2%

92.05M▲ 3.1%

81.48M▼ 11.5%

95.64M▲ 17.4%

146.94M▲ 53.6%

104.13M▼ 29.1%

76.22M▼ 26.8%

111.05M▲ 45.7%

Net Margin %

20.33%

30.83%

29.82%

25.58%

29.44%

36.04%

19.24%

14.36%

20.45%

Net Income Growth %

67.12%

94.22%

3.09%

-11.48%

17.39%

53.63%

-29.13%

-26.81%

45.7%

Net Income (Continuing)

45.97M

89.29M

92.05M

81.48M

95.64M

146.94M

104.13M

76.22M

111.05M

EPS (Diluted)

1.82▲ 0%

3.01▲ 65.4%

3.10▲ 3.0%

2.81▼ 9.4%

2.68▼ 4.6%

4.12▲ 53.7%

2.51▼ 39.1%

1.84▼ 26.7%

2.68▲ 45.7%

EPS Growth %

36.84%

65.38%

2.99%

-9.35%

-4.63%

53.73%

-39.08%

-26.69%

45.65%

EPS (Basic)

1.82

3.02

3.12

2.85

2.68

4.12

2.54

1.85

2.68

Diluted Shares Outstanding

25.29M

29.71M

29.72M

28.98M

35.63M

35.67M

41.16M

41.33M

41.35M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

832.76M

964.25M

1.05B

1.82B

3.09B

2.58B

2.43B

2.4B

2.2B

Cash & Due from Banks

489.49M

462.9M

231.3M

367.29M

461.16M

270.32M

237.85M

507.51M

146.76M

Short Term Investments

343.27M

501.35M

821.95M

1.45B

2.63B

2.31B

2.19B

1.9B

2.05B

Total Investments

4.49B

4.83B

5.34B

6.35B

9.23B

9.43B

10.77B

10.54B

2.05B

Investments Growth %

48.88%

7.6%

10.48%

18.84%

45.36%

2.21%

14.15%

-2.09%

-80.57%

Long-Term Investments

4.15B

4.33B

4.52B

4.89B

6.6B

7.12B

8.58B

8.64B

Accounts Receivables

14.09M

16M

16.65M

20.27M

25.9M

29.71M

37.35M

36.33M

39.21M

Goodwill & Intangibles

257.51M

255.48M

251.59M

254.64M

382.09M

376.94M

508.26M

501.65M

495.98M

Goodwill

233.07M

234.37M

239.27M

364.26M

478.75M

Intangible Assets

24.44M

21.11M

17.22M

15.37M

17.83M

12.68M

29.51M

22.9M

17.23M

PP&E (Net)

116.23M

119M

134.53M

138.02M

156.81M

152.92M

150.96M

143.46M

139.13M

Other Assets

176.41M

175.84M

167.92M

161.58M

255.52M

363.51M

414.55M

417.64M

Total Current Assets

846.85M

980.25M

1.07B

1.84B

3.12B

2.61B

2.46B

2.44B

2.23B

Total Non-Current Assets

4.7B

4.88B

5.07B

5.45B

7.39B

8.01B

9.65B

9.71B

635.11M

Total Assets

5.55B▲ 0%

5.86B▲ 5.7%

6.14B▲ 4.8%

7.29B▲ 18.7%

10.51B▲ 44.2%

10.63B▲ 1.1%

12.11B▲ 14.0%

12.15B▲ 0.3%

12.67B▲ 4.3%

Asset Growth %

53.45%

5.71%

4.77%

18.66%

44.16%

1.11%

14.02%

0.27%

4.29%

Return on Assets (ROA)

1.57%

1.53%

1.21%

1.07%

1.39%

0.92%

0.63%

0.9%

Accounts Payable

1.24M

1.98M

2.15M

904K

607K

2.74M

5.7M

4.6M

Total Debt

693.84M

692.9M

501.82M

22.99M

19.5M

237.82M

321.67M

14.55M

74.57M

Net Debt

204.35M

230.01M

270.52M

-344.3M

-441.66M

-32.5M

83.81M

-492.95M

-72.19M

Long-Term Debt

350.84M

349.9M

243.97M

5.13M

-1.69M

218.43M

303.83M

14.55M

74.57M

Short-Term Debt

343M

238M

Other Liabilities

-247.97M

-254.33M

-144.09M

98.84M

133.59M

125.36M

383.6M

152.4M

Total Current Liabilities

4.75B

5.17B

6.27B

9.13B

9.23B

10.04B

10.54B

9.42B

Total Non-Current Liabilities

102.87M

95.57M

119.73M

121.83M

153.09M

363.19M

705.26M

166.95M

74.57M

Total Liabilities

4.85B

5.1B

5.29B

6.4B

9.28B

9.59B

10.74B

10.7B

11.01B

Total Equity

692.98M▲ 0%

764.23M▲ 10.3%

852.4M▲ 11.5%

893.42M▲ 4.8%

1.23B▲ 37.7%

1.03B▼ 16.2%

1.37B▲ 33.0%

1.45B▲ 5.3%

1.65B▲ 14.4%

Equity Growth %

88.26%

10.28%

11.54%

4.81%

37.74%

-16.17%

33.03%

5.34%

14.43%

Equity / Assets (Capital Ratio)

12.49%

13.03%

13.87%

12.26%

11.71%

9.71%

11.33%

11.9%

13.06%

Return on Equity (ROE)

8.67%

12.25%

11.39%

9.33%

9.01%

12.99%

8.66%

5.41%

7.16%

Book Value per Share

27.40

25.73

28.68

30.83

34.54

28.92

33.34

34.98

40.00

Tangible BV per Share

17.22

17.13

20.22

22.04

23.81

18.35

20.99

22.84

28.01

Common Stock

432.79M

434.45M

429.51M

400.58M

722.67M

725.15M

963.99M

971.31M

973.88M

Additional Paid-in Capital

Retained Earnings

264.33M

341.74M

417.76M

478.49M

532.87M

648.42M

716.42M

756.33M

829.66M

Accumulated OCI

-4.15M

-11.96M

5.12M

14.35M

-24.97M

-341.98M

-308.03M

-282.03M

-149.38M

Treasury Stock

-3.58M

-3.23M

-2.59M

-2.24M

-1.8M

-1.58M

-1.39M

Preferred Stock

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

26.84M

46.41M

51.24M

58.33M

142.34M

230.65M

131.4M

174.78M

203.13M

Operating CF Growth %

-34.97%

72.93%

10.4%

13.85%

144%

62.05%

-43.03%

33.02%

16.22%

Net Income

45.97M

89.29M

92.05M

81.48M

95.64M

146.94M

104.13M

76.22M

111.05M

Depreciation & Amortization

9.73M

12.84M

13.89M

13.6M

13.93M

15.33M

19.21M

17.88M

14.93M

Deferred Taxes

1.59M

-10.01M

-4.8M

-1.81M

-782K

-4.87M

30.92M

Other Non-Cash Items

-25.28M

-55.55M

-54.53M

-34.48M

18.95M

65.56M

-8.45M

80.44M

73.08M

Working Capital Changes

-4.68M

-1.74M

-4.03M

5.2M

16.35M

1.66M

12.16M

193K

-30.61M

Cash from Investing

-128.53M

-313.28M

-424.69M

-961.54M

-1.27B

-713.36M

-191.37M

169.67M

-562.07M

Purchase of Investments

-191.55M

-230.79M

-498.89M

-1.19B

-1.85B

-401.76M

-10.92M

-501.72M

-615.01M

Sale/Maturity of Investments

200.94M

77.05M

231.18M

476.57M

478.38M

257.81M

280.67M

640.95M

683.65M

Net Investment Activity

9.39M

-153.74M

-267.71M

-718.35M

-1.37B

-143.94M

269.75M

139.23M

68.64M

Acquisitions

72.52M

-9.56M

208.99M

22.61M

Other Investing

-205.78M

-148.82M

-153.44M

-221.26M

-104.89M

-564.13M

-479.31M

33.09M

-626.47M

Cash from Financing

285.19M

240.28M

141.85M

1.04B

1.23B

291.86M

27.51M

-74.8M

161.03M

Dividends Paid

-7.6M

-11.28M

-13.66M

-20.94M

-22.23M

-30.66M

-34.94M

-36.25M

-37.28M

Share Repurchases

-10M

-31.87M

-4.04M

-991K

Stock Issued

4.09M

1.49M

Net Stock Activity

-10M

-31.87M

-4.04M

4.09M

500K

Debt Issuance (Net)

1000K

-1000K

1000K

-1000K

Other Financing

195.75M

252.67M

271.63M

1.34B

1.26B

102.65M

-240.56M

496.41M

215.86M

Net Change in Cash

183.5M▲ 0%

-26.59M▼ 114.5%

-231.6M▼ 770.9%

135.99M▲ 158.7%

93.87M▼ 31.0%

-190.84M▼ 303.3%

-32.46M▲ 83.0%

269.65M▲ 930.6%

-197.91M▼ 173.4%

Exchange Rate Effect

Cash at Beginning

305.99M

489.49M

462.9M

231.3M

367.29M

461.16M

270.32M

237.85M

507.51M

Cash at End

489.49M

462.9M

231.3M

367.29M

461.16M

270.32M

237.85M

507.51M

309.6M

Interest Paid

12.24M

23.04M

33.73M

20.81M

10.21M

14.31M

135.7M

186.89M

159.16M

Income Taxes Paid

19.54M

21.16M

24.34M

29.6M

32.51M

39.72M

29.73M

33.5M

11.02M

Free Cash Flow

22.18M▲ 0%

35.69M▲ 60.9%

47.7M▲ 33.7%

45.97M▼ 3.6%

132.93M▲ 189.2%

225.37M▲ 69.5%

126.97M▼ 43.7%

172.12M▲ 35.6%

198.89M▲ 15.5%

FCF Growth %

-31.93%

60.9%

33.67%

-3.63%

189.17%

69.53%

-43.66%

35.56%

15.55%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

7.75%

8.67%

12.25%

11.39%

9.33%

9.01%

12.99%

8.66%

5.41%

7.16%

Return on Assets (ROA)

0.79%

1.57%

1.53%

1.21%

1.07%

1.39%

0.92%

0.63%

0.9%

Net Interest Margin

3.41%

2.97%

3.54%

3.52%

2.99%

2.34%

3.06%

2.86%

2.74%

3.14%

Efficiency Ratio

70.19%

64.11%

53.84%

50.62%

50.47%

55.41%

47.57%

46.06%

43.19%

43.56%

Equity / Assets

10.18%

12.49%

13.03%

13.87%

12.26%

11.71%

9.71%

11.33%

11.9%

13.06%

Book Value / Share

17.75

27.4

25.73

28.68

30.83

34.54

28.92

33.34

34.98

NII Growth

3.03%

33.5%

25.94%

4.23%

0.89%

12.96%

31.84%

6.71%

-4.15%

19.86%

Dividend Payout

23.26%

16.52%

12.63%

14.84%

25.7%

23.24%

20.87%

33.55%

47.56%

33.57%

First Bancorp(FBNC)Earnings, Financials & Key Ratios

FBNC Key Insights

✓Strengths

✗Weaknesses

FBNC Price & Volume

FBNC Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FBNC Recent Earnings

FBNC Peer Comparison

Compare FBNC vs Peers

vs SFNC

vs V

Compare Top 5

FBNC Income Statement

FBNC Balance Sheet

FBNC Cash Flow Statement

FBNC Banking Ratios

FBNC SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FBNC Frequently Asked Questions

First Bancorp(FBNC)Earnings, Financials & Key Ratios

FBNC Key Insights

✓Strengths

✗Weaknesses

FBNC Price & Volume

FBNC Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FBNC Recent Earnings

FBNC Peer Comparison

Compare FBNC vs Peers

vs SFNC

vs V

Compare Top 5

FBNC Income Statement

FBNC Balance Sheet

FBNC Cash Flow Statement

FBNC Banking Ratios

FBNC SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FBNC Frequently Asked Questions