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First Bancorp(FBNC)Earnings, Financials & Key Ratios
FBNC•NASDAQ•Banking & Credit
$59.09
$2.45B mkt cap·22.0× P/E·Price updated May 6, 2026
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%
- Tangible BV/Share28.01+22.6%
- Debt/Equity0.05+347.8%
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 at only 1.5x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
Apr 22, 2026EPS
$1.13
Est $1.09
+3.7%
Revenue
$122M
Est $123M
-0.7%
Q1 2026
Jan 21, 2026EPS
$1.19
Est $1.03
+15.5%
Revenue
$84M
Est $122M
-31.5%
Q4 2025
Oct 22, 2025EPS
$1.01
Est $0.85
+19.1%
Revenue
$128M
Est $114M
+12.5%
Q3 2025
Jul 23, 2025EPS
$0.93
Est $0.88
+5.7%
Revenue
$109M
Est $113M
-3.6%
| 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 →
FBNC Peer Comparison
First Bancorp (FBNC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SFNC | 3.13B | 21.59 | -7.32 | -56.66% | -11.63% | 0.19 | ||
 HOMB | 5.32B | 27.03 | 13.45 | 9.47% | 10.86% | 0.30 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 UBSI | 6.11B | 43.72 | 13.37 | 12.33% | 8.6% | 0.17 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 WSFS | 3.8B | 72.11 | 14.17 | -3.05% | 10.65% | 0.11 | ||
 TOWN | 2.66B | 34.76 | 15.73 | -1.61% | 7.28% | 0.15 | ||
 BANR | 2.24B | 66.23 | 11.74 | -0.95% | 10.34% | 0.19 |
Compare FBNC vs Peers
First Bancorp (FBNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FBNC Income Statement
First Bancorp (FBNC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | 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
| Line item | 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
| Line item | 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)
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 1.53%. 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.
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First Bancorp (FBNC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates