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First Bancorp (FBNC)

Profile

Full Name

First Bancorp

Ticker

NASDAQ: FBNC

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

April 30, 1987

Indexes

Not included

Website

https://localfirstbank.com

Employees

1345

Key Details

Price

$49.22(1.59%)

Market Cap

$2.04B(Mid cap)

Last Dividend

$0.23

TTM Dividend Yield

1.83%

Annual Revenue

$537.14M(-1.67% YoY)

Annual EPS

$1.84(-27.10% YoY)

PE Ratio

20.63

Next earnings date

Jan 28, 2026

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    See Full Chart & Historical Data

    Analyst ratings

    Price

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    Current Price

    $49.22
    FBNC price is $49.22

    30-Day Relative Volume

    0.81
    FBNC 30-day relative volume is 0.81

    Price Performance

    Price Most Recent Change

    +1.59%
    FBNC price was up +1.59% on Nov 19, 2025

    Price YTD Change

    +11.94%
    FBNC price is up +11.94% since January 1st

    Price 1-Year Change

    +8.61%
    FBNC price is up +8.61% year-on-year

    Price 3-Year Change

    +4.83%
    FBNC price is up +4.83% over the past 3 years

    Price Range

    Price All-Time High

    $56.45
    FBNC price is currently -12.81% below its historical high of $56.45

    Price 3-Year Low

    $26.00
    FBNC price is currently +89.31% above its 3-year low

    Capitalization

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    Market cap

    Market Cap

    $2.04B
    FBNC market cap is $2.04 billion

    Market Cap 3-Year Change

    +21.72%
    FBNC market cap is up +21.72% over the past 3 years

    Market Cap All-Time High

    $2.30B
    FBNC market cap is currently -11.39% below its historical high of $2.30 billion

    Market Cap Sector Percentile

    77.06%
    FBNC market cap is higher than 77.06% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.3%
    FBNC shares outstanding is up +0.3% year-on-year

    Shares Outstanding 3-Year Change

    +16.11%
    FBNC shares outstanding is up +16.11% over the past 3 years

    Technical Indicators

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    Beta

    0.91
    FBNC beta is 0.91

    200-day SMA

    $45.81
    FBNC price is currently +7.44% above its 200-day simple moving average

    50-day SMA

    $50.90
    FBNC price is currently -3.29% below its 50-day simple moving average

    14-Day RSI

    46.16
    FBNC 14-day relative strength index is 46.16

    Volume

    0.81
    FBNC 30-day relative volume is 0.81

    ATR

    $1.36
    FBNC average true range is $1.36

    10-day Historical Volatility

    33.17%
    FBNC 10-day historical volatility is 33.17%

    Dividend

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    Events

    Last Paid Dividend

    $0.23
    FBNC last dividend was $0.23 per share, with an ex-dividend date of September 30, 2025

    Next Dividend

    -
    FBNC next dividend has not yet been announced

    Dividend per share

    Dividend Per Share

    $0.88
    FBNC annual dividend per share is $0.88

    Dividend Per Share Sector Percentile

    45.58%
    FBNC annual dividend per share is higher than 45.58% of companies in Financial Services sector

    Dividend Per Share 1-Year Change

    0%
    FBNC annual dividend per share has remained unchanged year-on-year

    Dividend Per Share 3-Year Change

    +10%
    FBNC annual dividend per share is up +10% over the past 3 years

    Dividend yield

    Dividend Yield

    1.79%
    FBNC annual dividend yield is 1.79%

    Dividend Yield Sector Percentile

    16.4%
    FBNC annual dividend yield is higher than 16.4% of companies in Financial Services sector

    Other

    Payout Ratio

    47.81%
    FBNC annual payout ratio is 47.81%

    Dividends Paid

    $36.25M
    FBNC annual dividends paid is $36.25 million

    Free Cash Flow

    $132.30M
    FBNC annual free cash flow is $132.30 million

    Income Statement

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    Revenue

    Revenue

    $537.14M
    FBNC annual revenue is $537.14 million

    Revenue Analysts Estimate

    $456.96M
    FBNC annual revenue is currently +17.55% higher than the consensus analysts' forecast

    Revenue 1-Year Change

    -1.67%
    FBNC annual revenue is down -1.67% year-on-year

    Revenue Sector Percentile

    71.93%
    FBNC annual revenue is higher than 71.93% of companies in Financial Services sector

    EPS

    EPS

    $1.84
    FBNC annual earnings per share is $1.84

    EPS Analysts Estimate

    $3.79
    FBNC annual earnings per share is currently -51.40% lower than the consensus analysts' forecast

    EPS 1-Year Change

    -27.1%
    FBNC annual earnings per share is down -27.1% year-on-year

    EPS Sector Percentile

    63.96%
    FBNC annual earnings per share is higher than 63.96% of companies in Financial Services sector

    Profit

    Gross Profit

    $0.00
    FBNC annual gross profit is $0.00

    Gross Margin

    0.00%
    FBNC annual gross profit margin is 0.00%

    Operating Profit

    $98.12M
    FBNC annual operating income is $98.12 million

    Operating Margin

    18.27%
    FBNC annual operating profit margin is 18.27%

    Net Income

    $75.82M
    FBNC annual net profit is $75.82 million

    Net Margin

    14.12%
    FBNC annual net profit margin is 14.12%

    Expenses

    Total Expenses

    $461.31M
    FBNC annual total expenses is $461.31 million

    Operating Expenses

    -$98.12M
    FBNC annual total operating expenses is -$98.12 million

    Cost Of Goods Sold

    -
    FBNC annual cost of goods sold value is unknown

    Selling, General & Administrative Expenses

    $0.00
    FBNC annual SG&A is $0.00

    Depreciation & Amortization

    $17.88M
    FBNC annual D&A is $17.88 million

    Interest Expense

    $186.97M
    FBNC annual interest expense is $186.97 million

    Income Tax

    $21.90M
    FBNC annual income tax is $21.90 million

    EBIT & EBITDA

    EBIT

    $285.08M
    FBNC annual earnings before interest & taxes is $285.08 million

    EBITDA

    $302.96M
    FBNC annual EBITDA is $302.96 million

    Balance Sheet

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    Assets

    Total Assets

    $12.17B
    FBNC annual total assets is $12.17 billion

    Non Current Assets

    $11.42B
    FBNC annual long term assets is $11.42 billion

    Current Assets

    $543.84M
    FBNC annual total current assets is $543.84 million

    Cash and Cash Equivalents

    $78.60M
    FBNC annual cash & cash equivalents is $78.60 million

    Accounts Receivable

    $36.33M
    FBNC annual accounts receivable is $36.33 million

    Inventory

    -
    FBNC annual inventory value is unknown

    Liabilities

    Total Liabilities

    $10.73B
    FBNC annual total liabilities is $10.73 billion

    Long Term Liabilities

    $90.44M
    FBNC annual total long term liabilities is $90.44 million

    Current Liabilities

    $9.07B
    FBNC annual current liabilities is $9.07 billion

    Accounts Payable

    $4.60M
    FBNC annual accounts payable is $4.60 million

    Debt

    Total Debt

    $106.43M
    FBNC annual total debt is $106.43 million

    Total Debt 1-Year Change

    -83.58%
    FBNC annual total debt is down -83.58% year-on-year

    Long Term Debt

    $90.88M
    FBNC annual long term debt is $90.88 million

    Short Term Debt

    $15.55M
    FBNC annual short term debt is $15.55 million

    Equity & Capital

    Shareholders Equity

    $1.45B
    FBNC annual stockholders equity is $1.45 billion

    Book Value

    $1.45B
    FBNC annual book value is $1.45 billion

    Retained Earnings

    $756.33M
    FBNC annual retained earnings is $756.33 million

    Working Capital

    -$8.53B
    FBNC annual working capital is -$8.53 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash From Operations

    $134.96M
    FBNC annual cash from operations is $134.96 million

    Cash From Operations 1-Year Change

    -7.06%
    FBNC annual cash from operations is down -7.06% year-on-year

    Cash From Investing

    $209.49M
    FBNC annual cash from investing is $209.49 million

    Cash From Investing 1-Year Change

    +202.1%
    FBNC annual cash from investing is up +202.1% year-on-year

    Cash From Financing

    -$74.80M
    FBNC annual cash from financing is -$74.80 million

    Cash From Financing 1-Year Change

    -371.92%
    FBNC annual cash from financing is down -371.92% year-on-year

    CAPEX

    CAPEX

    $2.66M
    FBNC annual capital expenditures is $2.66 million

    CAPEX 1-Year Change

    -39.9%
    FBNC annual capital expenditures is down -39.9% year-on-year

    Free Cash Flow

    Free Cash Flow

    $132.30M
    FBNC annual free cash flow is $132.30 million

    Free Cash Flow 1-Year Change

    -6.03%
    FBNC annual free cash flow is down -6.03% year-on-year

    Profitability Ratios

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    Margins

    Gross Margin

    0.00%
    FBNC annual gross profit margin is 0.00%

    Operating Margin

    18.27%
    FBNC annual operating profit margin is 18.27%

    Net Margin

    14.12%
    FBNC annual net profit margin is 14.12%

    ROA & ROE

    ROA

    0.62%
    FBNC annual return on assets is 0.62%

    ROE

    5.38%
    FBNC annual return on equity is 5.38%

    Valuation

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    PE Ratio

    PE Ratio

    20.63
    FBNC price to earnings ratio is 20.63

    PE Ratio Sector Percentile

    60.9%
    FBNC price to earnings ratio is higher than 60.9% of companies in Financial Services sector

    PB Ratio

    PB Ratio

    1.27
    FBNC price to book ratio is 1.27

    PB Ratio Sector Percentile

    63.78%
    FBNC price to book ratio is higher than 63.78% of companies in Financial Services sector

    PS Ratio

    PS Ratio

    3.80
    FBNC price to sales ratio is 3.80

    PS Ratio Sector Percentile

    81.62%
    FBNC price to sales ratio is higher than 81.62% of companies in Financial Services sector

    Enterprise value

    Enterprise Value

    $2.01B
    FBNC enterprise value is $2.01 billion

    Enterprise Value Sector Percentile

    71.01%
    FBNC enterprise value is higher than 71.01% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    FBNC EV/EBITDA value is unknown

    EV/EBITDA Sector Percentile

    -
    FBNC EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current Ratio

    0.06
    FBNC annual current ratio is 0.06

    Quick Ratio

    -
    FBNC annual quick ratio value is unknown

    Leverage

    Debt To Equity

    0.07
    FBNC annual debt to equity ratio is 0.07

    Interest Coverage Ratio

    1.52
    FBNC annual interest coverage ratio is 1.52

    Risk & Stability

    F-Score

    4
    FBNC piotroski f-score is 4

    Altman Z-Score

    -0.52
    FBNC altman z-score is -0.52

    Analyst ratings

    Recent major analysts updates

    Sep 2, 25 Keefe, Bruyette & Woods
    Outperform
    Aug 1, 25 Piper Sandler
    Neutral
    Jul 28, 25 Stephens & Co.
    Overweight
    Jul 24, 25 Keefe, Bruyette & Woods
    Outperform
    May 13, 25 Piper Sandler
    Neutral
    Apr 28, 25 Stephens& Co.
    Overweight
    Apr 28, 25 Stephens & Co.
    Overweight
    Apr 24, 25 Keefe, Bruyette & Woods
    Outperform
    Mar 26, 25 Stephens & Co.
    Overweight
    Feb 7, 25 Janney Montgomery Scott
    Neutral

    Institutional Ownership

    Screeners with FBNC included

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    • What is the ticker symbol for First Bancorp?
    • Does First Bancorp pay dividends?
    • What sector is First Bancorp in?
    • What industry is First Bancorp in?
    • What country is First Bancorp based in?
    • When did First Bancorp go public?
    • Is First Bancorp in the S&P 500?
    • Is First Bancorp in the NASDAQ 100?
    • Is First Bancorp in the Dow Jones?
    • When was First Bancorp's last earnings report?
    • When does First Bancorp report earnings?

    What is the ticker symbol for First Bancorp?

    The ticker symbol for First Bancorp is NASDAQ:FBNC

    Does First Bancorp pay dividends?

    Yes, First Bancorp pays dividends. The last payment was $0.23, with an ex-dividend date on September 30, 2025

    What sector is First Bancorp in?

    First Bancorp is in the Financial Services sector

    What industry is First Bancorp in?

    First Bancorp is in the Regional Banks industry

    What country is First Bancorp based in?

    First Bancorp is headquartered in United States

    When did First Bancorp go public?

    First Bancorp's initial public offering (IPO) was on April 30, 1987

    Is First Bancorp in the S&P 500?

    No, First Bancorp is not included in the S&P 500 index

    Is First Bancorp in the NASDAQ 100?

    No, First Bancorp is not included in the NASDAQ 100 index

    Is First Bancorp in the Dow Jones?

    No, First Bancorp is not included in the Dow Jones index

    When was First Bancorp's last earnings report?

    First Bancorp's most recent earnings report was on October 22, 2025

    When does First Bancorp report earnings?

    The next expected earnings date for First Bancorp is January 28, 2026
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