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First Bancorp

Data quality: 100%
FBNC
NASDAQ Financial Services Banks - Regional
$54.18
▲ $1.47 (2.79%)
Mkt Cap: 2.25B
Day Range
$53.86 $55.39
52-Week Range
$34.50 $62.64
Volume
235,776
50D / 200D Avg
$57.63 / $51.82
Prev Close
$52.71

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 20.2 10.3
P/B 1.4 1.1
ROE % 7.2 11.7
Net Margin % 20.5 16.8
Rev Growth 5Y % 13.7 11.7
D/E 0.1 0.5

Key Takeaways

Revenue grew 13.71% annually over 5 years — strong growth
Earnings grew 45.70% over the past year
Net margin of 20.45% shows strong profitability
Debt/Equity of 0.05 — conservative balance sheet
Generating 198.89M in free cash flow
PEG of 0.42 suggests growth is underpriced

Growth

Revenue Growth (5Y)
13.71%
Revenue (1Y)2.32%
Earnings (1Y)45.70%
FCF Growth (3Y)25.15%

Quality

Return on Equity
7.16%
ROIC6.26%
Net Margin20.45%
Op. Margin26.56%

Safety

Debt / Equity
0.05
Current Ratio0.24
Interest Coverage0.91

Valuation

P/E Ratio
20.24
P/B Ratio1.36
EV/EBITDA15.08
Dividend Yield0.02%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 2.32% Revenue Growth (3Y) 0.19%
Earnings Growth (1Y) 45.70% Earnings Growth (3Y) 3.27%
Revenue Growth (5Y) 13.71% Earnings Growth (5Y) 3.80%
Profitability
Revenue (TTM) 543.12M Net Income (TTM) 111.05M
ROE 7.16% ROA 0.88%
Gross Margin 70.11% Operating Margin 26.56%
Net Margin 20.45% Free Cash Flow (TTM) 198.89M
ROIC 6.26% FCF Growth (3Y) 25.15%
Safety
Debt / Equity 0.05 Current Ratio 0.24
Interest Coverage 0.91 Dividend Yield 0.02%
Valuation
P/E Ratio 20.24 P/B Ratio 1.36
P/S Ratio 4.14 PEG Ratio 0.42
EV/EBITDA 15.08 Dividend Yield 0.02%
Market Cap 2.25B Enterprise Value 2.18B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 543.12M 530.81M 541.11M 407.66M 324.90M
Net Income 111.05M 76.22M 104.13M 146.94M 95.64M
EPS (Diluted) 2.68 1.84 2.51 4.12 2.68
Gross Profit 380.81M 327.40M 381.20M 379.16M 300.34M
Operating Income 144.23M 98.12M 131.96M 185.22M 120.32M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 12.67B 12.15B 12.11B 10.63B 10.51B
Total Liabilities 11.01B 10.70B 10.74B 9.59B 9.28B
Shareholders' Equity 1.65B 1.45B 1.37B 1.03B 1.23B
Total Debt 74.57M 14.55M 321.67M 237.82M 19.50M
Cash & Equivalents 146.76M 507.51M 237.86M 270.32M 461.16M
Current Assets 2.23B 2.44B 2.46B 2.61B 3.12B
Current Liabilities 9.42B 10.54B 10.04B 9.23B 9.13B