Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.29 | 12.32 | 13.10 | 12.47 | 33.41 | 26.98 | 11.85 | 11.40 | 128.27 | 23.11 | 11.40 | 14.80 | 12.85 | 9.64 | 10.48 | 24.00 | 9.92 | 8.63 | 8.47 | 10.99 | 38.10 |
| — | -54.3% | +10.5% | +9.3% | -73.9% | +16.8% | +4.0% | -23.0% | +898.1% | +139.8% | +8.8% | -38.3% | +29.6% | +11.7% | +23.7% | +118.3% | -74.0% | -22.2% | -14.7% | +0.1% | +273.9% | |
| P/S Ratio | 8.35 | 4.87 | — | 4.76 | 6.26 | 6.37 | 4.17 | 3.97 | 7.14 | 4.53 | 3.44 | 4.10 | 4.15 | 2.94 | 3.02 | 3.44 | 3.86 | 3.19 | 3.26 | 3.87 | 4.58 |
| — | -23.5% | — | +19.9% | -12.3% | +40.4% | +21.3% | -3.2% | +72.0% | +54.2% | +13.8% | +19.2% | +7.6% | -7.9% | -7.2% | -11.0% | -15.8% | -21.8% | -10.3% | -5.6% | +43.4% | |
| P/B Ratio | 1.61 | 1.48 | 1.54 | 1.38 | 1.27 | 1.37 | 1.17 | 1.10 | 1.26 | 1.16 | 0.94 | 1.08 | 1.11 | 0.92 | 0.94 | 1.12 | 1.48 | 1.33 | 1.17 | 1.33 | 1.32 |
| — | +7.9% | +31.2% | +25.6% | +0.8% | +17.5% | +25.2% | +1.8% | +13.4% | +26.3% | -0.5% | -3.6% | -24.9% | -30.5% | -19.5% | -15.7% | +11.7% | +0.6% | -9.1% | -5.9% | +22.2% | |
| P/FCF | 9.66 | 6.46 | 10.09 | 9.82 | 9.73 | 11.38 | 10.30 | 7.94 | 6.67 | 11.32 | 3.76 | — | 8.59 | 10.84 | 11.32 | 10.07 | 7.64 | 6.85 | 10.76 | 3.76 | 14.99 |
| — | -43.3% | -2.0% | +23.7% | +45.7% | +0.5% | +174.2% | — | -22.3% | +4.4% | -66.8% | — | +12.3% | +58.2% | +5.1% | +167.6% | -49.0% | -38.4% | +79.5% | -68.2% | +21.7% | |
| EV / EBITDA | 27.21 | 8.33 | — | 9.15 | 20.09 | 13.04 | 5.28 | 4.45 | 29.75 | 9.23 | 4.36 | 9.64 | 9.43 | 7.25 | 7.66 | 13.41 | 7.20 | 5.84 | 4.11 | 5.08 | 17.45 |
| — | -36.1% | — | +105.4% | -32.5% | +41.3% | +21.2% | -53.8% | +215.5% | +27.2% | -43.1% | -28.1% | +31.0% | +24.2% | +86.2% | +163.9% | -58.7% | +3.2% | -6.7% | +8.5% | +275.7% | |
| EV / EBIT | 18.03 | 8.33 | — | 9.68 | 23.39 | 15.52 | 5.67 | 4.83 | 48.28 | 10.97 | 4.90 | 11.08 | 10.67 | 8.16 | 8.63 | 16.75 | 7.73 | 6.30 | 4.49 | 5.52 | 23.43 |
| — | -46.3% | — | +100.3% | -51.6% | +41.5% | +15.8% | -56.4% | +352.4% | +34.5% | -43.2% | -33.8% | +38.0% | +29.4% | +92.2% | +203.3% | -67.0% | +2.2% | -6.1% | +7.9% | +352.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.1% | 99.0% | 108.3% | 97.5% | 100.0% | 100.0% | 98.0% | 98.9% | 99.2% | 85.0% | 99.4% | 98.7% | 96.8% | 100.0% | 97.7% | 88.2% | 94.9% | 94.7% | 100.0% | 97.9% | 84.9% |
| — | -1.0% | +10.5% | -1.5% | +0.8% | +17.6% | -1.5% | +0.3% | +2.5% | -15.0% | +1.8% | +11.9% | +1.9% | +5.6% | -2.3% | -9.9% | +11.9% | -5.7% | +2.5% | -2.1% | -10.4% | |
| Operating Margin | 37.5% | 49.7% | 372.5% | 48.2% | 25.8% | 30.1% | 45.5% | 44.7% | 10.8% | 23.8% | 38.5% | 35.0% | 41.0% | 38.2% | 36.8% | 18.2% | 48.8% | 47.1% | 48.3% | 44.3% | 14.3% |
| — | +65.1% | +718.3% | +7.9% | +139.6% | +26.6% | +18.1% | +27.7% | -73.7% | -37.7% | +4.7% | +91.9% | -15.9% | -18.9% | -23.8% | -58.9% | +242.3% | +2.1% | +4.2% | -6.3% | -64.1% | |
| Net Margin | 28.9% | 39.5% | -319.0% | 38.2% | 18.7% | 23.6% | 35.2% | 34.8% | 5.6% | 19.7% | 30.0% | 27.8% | 32.3% | 30.3% | 29.0% | 14.3% | 38.8% | 37.1% | 38.3% | 35.3% | 11.8% |
| — | +67.0% | -1005.3% | +9.6% | +236.5% | +20.0% | +17.5% | +25.0% | -82.8% | -35.1% | +3.3% | +94.7% | -16.9% | -18.3% | -24.1% | -59.5% | +228.2% | +0.8% | +5.0% | -5.1% | -62.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 3.0% | 3.0% | 2.8% | 1.0% | 1.3% | 2.5% | 2.5% | 0.2% | 1.3% | 2.1% | 1.8% | 2.3% | 2.3% | 2.3% | 1.3% | 3.8% | 3.7% | 3.4% | 2.9% | 1.0% |
| — | +132.0% | +18.1% | +13.4% | +297.0% | -0.6% | +21.9% | +34.0% | -89.2% | -44.6% | -8.8% | +41.4% | -40.8% | -36.9% | -32.6% | -55.1% | +291.4% | +23.0% | +2.1% | -9.2% | -63.5% | |
| ROA | 0.9% | 0.4% | 0.4% | 0.4% | 0.1% | 0.2% | 0.3% | 0.3% | 0.0% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.4% | 0.4% | 0.3% | 0.3% | 0.1% |
| — | +143.8% | +26.2% | +23.0% | +323.3% | +4.1% | +29.5% | +41.9% | -88.1% | -38.0% | -1.3% | +58.3% | -32.3% | -30.8% | -30.1% | -58.9% | +228.2% | +8.7% | -6.2% | -14.4% | -66.4% | |
| ROIC | 6.8% | 2.7% | -2.5% | 2.5% | 1.0% | 1.2% | 2.4% | 2.4% | 0.3% | 1.2% | 1.8% | 1.4% | 1.7% | 1.7% | 1.6% | 0.9% | 3.0% | 3.2% | 3.1% | 2.7% | 0.9% |
| — | +121.9% | -202.8% | +7.5% | +177.9% | +4.9% | +33.9% | +64.9% | -79.6% | -31.6% | +15.2% | +53.3% | -42.4% | -47.2% | -49.8% | -65.3% | +245.0% | +16.5% | +2.0% | -9.5% | -65.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.20 | 0.23 | 0.27 | 0.33 | 0.42 | 0.23 | 0.18 | 0.02 | 0.02 | 0.02 |
| — | +363.7% | +354.2% | +442.9% | +347.8% | -3.2% | -5.2% | -95.1% | -95.7% | -96.4% | -96.9% | -53.1% | +1.7% | +51.4% | +1758.8% | +2351.7% | +1354.7% | +682.8% | -25.9% | -31.3% | -38.4% | |
| Debt / EBITDA | 0.47 | 1.16 | — | 1.43 | 2.95 | 0.49 | 0.28 | 0.29 | 1.30 | 0.54 | 0.34 | 7.46 | 7.54 | 8.10 | 10.08 | 22.71 | 4.59 | 3.41 | 0.37 | 0.41 | 1.15 |
| — | +136.7% | — | +392.7% | +126.6% | -8.7% | -18.6% | -96.1% | -82.7% | -93.4% | -96.6% | -67.2% | +64.4% | +137.3% | +2623.3% | +5373.3% | +300.1% | +501.5% | -30.3% | -26.1% | +67.4% | |
| Current Ratio | 0.24 | 0.27 | 0.19 | 1717.54 | 0.24 | 0.30 | 0.25 | 0.25 | 0.23 | 0.26 | 0.24 | 0.24 | 0.25 | 0.24 | 0.26 | 0.29 | 0.28 | 0.29 | 0.32 | 0.35 | 0.34 |
| — | -11.4% | -25.6% | +678936.1% | +2.4% | +17.8% | +6.0% | +5.3% | -5.6% | +8.6% | -6.9% | -17.9% | -13.3% | -17.6% | -19.7% | -16.2% | -17.1% | -22.0% | -12.2% | -0.9% | +16.5% | |
| Quick Ratio | 0.24 | 0.27 | 0.19 | 1717.54 | 0.24 | 0.30 | 0.25 | 0.25 | 0.23 | 0.26 | 0.24 | 0.24 | 0.25 | 0.24 | 0.26 | 0.29 | 0.28 | 0.29 | 0.32 | 0.35 | 0.34 |
| — | -11.4% | -25.6% | +678936.1% | +2.4% | +17.8% | +6.0% | +5.3% | -5.6% | +8.6% | -6.9% | -17.9% | -13.3% | -17.6% | -19.7% | -16.2% | -17.1% | -22.0% | -12.2% | -0.9% | +16.5% | |
| Interest Coverage | 0.91 | 1.65 | -1.59 | 1.67 | 0.58 | 0.62 | 1.24 | 1.18 | 0.16 | 0.47 | 0.77 | 0.67 | 0.85 | 0.96 | 1.09 | 0.78 | 5.52 | 16.29 | 21.19 | 19.12 | 5.34 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying FBNC stock.
First Bancorp's current P/E is 16.3x. The average P/E over the last 4 quarters is 17.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First Bancorp's current operating margin is 37.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking First Bancorp's business trajectory between earnings reports.