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FIRST BANCORP/NC

FBNCNASDAQ
πŸ† #1813 by market capUS Equity
$622.30β–Ό $28.38 (βˆ’4.56%)
Simulated price
πŸ””
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24hβ–Ό 4.6%
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🏦Market Cap
$2.61B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+40.5%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
27.5%
Strong
βš–οΈP/S Ratio
3.2x
Fair
Otter Score
76
Good
No chart data available for FBNC.

Trading Snapshot

Day Range
$616.83 – $626.82
52-Week Range
$45.96 – $66.78
Volume
$2.67B
Avg Volume
$2.75B
Shares Outstanding
41.4M
Next Earnings
Nov 8, 2026

Fundamentals Snapshot

Annual Revenue
$821M
Last Q Revenue
$193M
P/E Ratio
19.7
P/S Ratio
3.2x
EPS (TTM)
$3.22
Dividend Yield
1.47%
Dilution (1yr)
βˆ’0.2%

Why Investors Own FBNC

  • βœ“High-growth profile β€” revenue up +52.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 43% gross margin and 19% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FBNC logo

FIRST BANCORP/NC

FBNC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$543Mβ–² +2.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
70.1%β–² +13.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$144Mβ–² +47.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$199Mβ–² +15.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
41.4Mβ–Ό βˆ’0.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$72Mβ–Ό βˆ’$421M YoY
StockOtter Β· stockotter.space

About FIRST BANCORP/NC

First Bancorp (FBNC) functions as the parent company of First Bank, offering a diverse array of financial solutions to individuals and small to medium-sized businesses. Its operational focus is primarily within North Carolina and the northeastern region of South Carolina. The institution provides various deposit options, such as transactional accounts (checking, savings, money market) and fixed-term products, including certificates of deposit and individual retirement accounts. For its lending portfolio, First Bank extends credit for a wide range of consumer and commercial purposes. This encompasses financing for businesses, real estate, personal needs, home improvements, and vehicle purchases, alongside residential mortgages and Small Business Administration (SBA) loans. Additionally, it offers specialized commercial funding options like accounts receivable financing, factoring, inventory financing, and purchase order financing. Beyond core banking, clients have access to credit and debit cards, letters of credit, and safe deposit box rentals. Its digital and electronic services include wire transfers, online and mobile banking platforms, cash management tools, telephone banking, and remote check deposit capabilities. Furthermore, First Bancorp provides investment and insurance products, featuring mutual funds, annuities, various insurance policies (long-term care, life, property, and casualty), and company retirement plans. Comprehensive financial planning services are also available. As of December 31, 2021, the company maintained an extensive network of 121 branches, with 114 located in North Carolina and 7 in South Carolina. First Bancorp was established in 1934 and its corporate headquarters are situated in Southern Pines, North Carolina.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$712.41
β–² +14.5% Upside
High Target$769.72
Low Target$667.57
Based on 23 analysts

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