First Bancorp (FBNC)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 62.90 $ — 83% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 10.0% failed
- More than 10% revenue growth is expected for the coming year 6.8% failed
- Share count grows by less than 3% a year 5.0% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 38.9% failed
- Gross margin at 40% or higher and without meaningful erosion 70.1% passed
- Goodwill from acquisitions does not grow faster than revenue 3.8% passed
- Net debt below twice EBITDA 2,121 m net cash passed
- Operating cash flow covers the profits of the last three years 218 m passed
- Return on capital at 15% or higher, or up versus two years ago 4.4% failed
- Insiders hold at least 10% or are net buyers 2.0% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 9.4% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 5
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 4.70 | 4.58 – 4.80 | 513 | 17.1% | 5 |
| 12/31/2027 | 5.04 | 4.79 – 5.30 | 575 | 7.2% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 1.20 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.09 | -88.10 | 107 | -21.10 | 3.30 | 69 | 68 |
| 2025: Q1 | 0.88 | 43.50 | 144 | 4.60 | 25.20 | 53 | 52 |
| 2025: Q2 | 0.93 | 33.70 | 150 | 4.20 | 25.80 | 46 | 44 |
| 2025: Q3 | 0.49 | 8.70 | 128 | -10.70 | 15.90 | 50 | 48 |
| 2025: Q4 | 0.38 | 343.30 | 121 | 13.00 | 13.00 | 55 | 54 |
| 2026: Q1 | 1.13 | 28.30 | 158 | 9.10 | 29.60 | 61 | 59 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 167 | 42 | 28 | 1.33 | 41 | 368 | 3,615 |
| 2017 | 226 | 68 | 46 | 1.82 | 27 | 693 | 5,547 |
| 2018 | 290 | 113 | 89 | 3.01 | 46 | 764 | 5,864 |
| 2019 | 309 | 116 | 92 | 3.10 | 51 | 852 | 6,144 |
| 2020 | 318 | 103 | 81 | 2.81 | 57 | 893 | 7,290 |
| 2021 | 325 | 120 | 96 | 2.68 | 139 | 1,231 | 10,509 |
| 2022 | 408 | 185 | 147 | 4.12 | 231 | 1,032 | 10,625 |
| 2023 | 541 | 132 | 104 | 2.53 | 131 | 1,372 | 12,115 |
| 2024 | 531 | 98 | 76 | 1.84 | 175 | 1,446 | 12,148 |
| 2025 | 543 | 144 | 111 | 2.69 | 203 | 1,654 | 12,668 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
First Bancorp ist die Bankholdinggesellschaft der First Bank, die Bankprodukte und -dienstleistungen für Privatpersonen und Unternehmen anbietet. Das Unternehmen nimmt Einlagenprodukte wie Giro-, Spar- und Geldmarktkonten sowie Termineinlagen, darunter Festgeldkonten und indiv…, an.
| Employees | 1,396 |
|---|---|
| Headquarters | Southern Pines, NC |
| Address | 205 SE Broad Street, 28387 Southern Pines, United States |
| Phone | 910 246 2500 |
| Website | localfirstbank.com |
| IPO Date | 9. Dec 1992 |
| ISIN | US3189101062 |
| Stock Split | 3:2 on 11/16/2004 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Richard Hancock Moore | Chairman & CEO | 1961 |
| Elizabeth B. Bostian | Executive VP & CFO | 1980 |
| T. Brent Hicks | Executive VP & Chief Accounting Officer | 1972 |
| Blaise Buczkowski | Executive Vice President of Corporate Finance | 1964 |
| Bridget Welborn | Executive VP, Chief Risk Officer & Head of Legal | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.