What is the current annual net margin of FBNC?

As of today, FBNC annual net margin is 14.12%

What is 1-year change in FBNC annual net margin?

FBNC annual net margin is down -25.45% year-over-year

What is 3-year change in FBNC annual net margin?

FBNC annual net margin is down -51.11% over the past 3 years

How far is FBNC annual net margin from its all-time high?

FBNC annual net margin is currently -60.46% below its historical high of 35.71% set on December 31, 2022

How does FBNC annual net margin rank versus sector peers?

FBNC annual net margin is higher than 49.27% of companies in Financial Services sector

When is FBNC next annual earnings release?

As of today, the next annual earnings release for FBNC has not been scheduled

What is the current quarterly net margin of FBNC?

As of today, FBNC quarterly net margin is 15.43%

What is FBNC quarterly net margin most recent change?

FBNC quarterly net margin was down -39.20% on September 30, 2025

What is 1-year change in FBNC quarterly net margin?

FBNC quarterly net margin is up +21.21% year-over-year

How far is FBNC quarterly net margin from its all-time high?

FBNC quarterly net margin is currently -82.16% below its historical high of 86.49% set on June 30, 2009

How does FBNC quarterly net margin rank versus sector peers?

FBNC quarterly net margin is higher than 45.40% of companies in Financial Services sector

When is FBNC next earnings release?

As of today, the next earnings release for FBNC has not been scheduled

First Bancorp (FBNC) Net Margin History & Chart Since 1991

Annual Net Margin

14.12%4.82%-25.45%

December 31, 2024

Summary

Current Value: As of today, FBNC annual net margin is 14.12%, down -25.45% on December 31, 2024
Historical Performance: FBNC annual net margin is down -51.11% over the past 3 years, and down -52.39% over the past 5 years
All-Time High Comparison: FBNC annual net margin is currently -60.46% below its historical high of 35.71% set on December 31, 2022
3-Year Low Comparison: FBNC annual net margin is at its 3-year low
Sector Comparison: FBNC annual net margin is higher than 49.27% of companies in Financial Services sector

Net Margin Chart

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Series

Performance

FBNC Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Net Margin	Dec 31, 24	14.12%	-25.4%	-51.1%	-52.4%	-42.4%
Quarterly Net Margin	Sep 30, 25	15.43%	+21.2%	-57.0%	-46.7%	+77.4%
Price	Jan 22, 26	$60.95	+39.2%	+54.2%	+66.8%	+278.6%
PE Ratio	Jan 22, 26	25.54	+7.6%	+165.8%	+96.5%	-44.4%
Annual Revenue	Dec 31, 24	$537.14M	-1.7%	+63.0%	+73.9%	+118.7%
Annual Net Income	Dec 31, 24	$75.82M	-26.7%	-20.3%	-17.2%	+25.8%
Annual Gross Margin	Dec 31, 24	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Operating Margin	Dec 31, 24	18.27%	-31.5%	-56.1%	-52.1%	-54.2%

Net Margin Highs

FBNC Annual Net Margin Highs Comparison
Period	High	Date	Current
3Y	35.71%	N/A	-60.5%
5Y	35.71%	Dec 31, 22	-60.5%
All	35.71%	Dec 31, 22	-60.5%

Net Margin Lows

FBNC Annual Net Margin Lows Comparison
Period	Low	Date	Current
3Y	14.12%	Dec 31, 24	at low
5Y	14.12%	Dec 31, 24	at low
All	-15.21%	Dec 31, 12	+192.8%

Net Margin History

Year	Value	Change
2024	14.12%	-25.4%
2023	18.94%	-47.0%
2022	35.71%	+23.6%
2021	28.88%	+13.5%
2020	25.45%	-14.2%
2019	29.66%	-3.8%
2018	30.83%	+51.7%
2017	20.32%	+22.1%
2016	16.64%	-4.9%
2015	17.50%	+17.1%
2014	14.94%	+28.5%
2013	11.63%	+176.5%
2012	-15.21%	-291.6%
2011	7.94%	+49.8%
2010	5.30%	-78.4%
2009	24.53%	+88.1%
2008	13.04%	+0.1%

Year	Value	Change
2007	13.03%	-1.7%
2006	13.26%	-3.8%
2005	13.79%	-33.4%
2004	20.71%	-4.4%
2003	21.67%	+7.2%
2002	20.22%	+28.1%
2001	15.78%	+33.1%
2000	11.86%	-20.4%
1999	14.90%	+4.9%
1998	14.21%	-6.0%
1997	15.11%	+3.3%
1996	14.63%	+148.8%
1995	5.88%	-56.3%
1994	13.47%	+1.4%
1993	13.29%	+15.1%
1992	11.55%	+33.4%
1991	8.66%	-

FAQ

What is the current annual net margin of FBNC?
As of today, FBNC annual net margin is 14.12%
What is 1-year change in FBNC annual net margin?
FBNC annual net margin is down -25.45% year-over-year
What is 3-year change in FBNC annual net margin?
FBNC annual net margin is down -51.11% over the past 3 years
How far is FBNC annual net margin from its all-time high?
FBNC annual net margin is currently -60.46% below its historical high of 35.71% set on December 31, 2022
How does FBNC annual net margin rank versus sector peers?
FBNC annual net margin is higher than 49.27% of companies in Financial Services sector
When is FBNC next annual earnings release?
As of today, the next annual earnings release for FBNC has not been scheduled

Quarterly Net Margin

15.43%9.95%-39.20%

September 30, 2025

Summary

Current Value: As of today, FBNC quarterly net margin is 15.43%, down -39.20% on September 30, 2025
Historical Performance: FBNC quarterly net margin is up +21.21% year-over-year, and down -56.95% over the past 3 years
All-Time High Comparison: FBNC quarterly net margin is currently -82.16% below its historical high of 86.49% set on June 30, 2009
3-Year Low Comparison: FBNC quarterly net margin is +364.76% above its 3-year low of 3.32% reached on December 31, 2024
Sector Comparison: FBNC quarterly net margin is higher than 45.40% of companies in Financial Services sector

Performance

FBNC Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Net Margin	Sep 30, 25	15.43%	-39.2%	+21.2%	-57.0%	-46.7%
Annual Net Margin	Dec 31, 24	14.12%	–	-25.4%	-51.1%	-52.4%
Price	Jan 22, 26	$60.95	+27.9%	+39.2%	+54.2%	+66.8%
PE Ratio	Jan 22, 26	25.54	+27.9%	+7.6%	+165.8%	+96.5%
Quarterly Revenue	Sep 30, 25	$131.28M	-13.1%	-9.9%	+24.8%	+63.7%
Quarterly Net Income	Sep 30, 25	$20.25M	-47.2%	+9.2%	-46.3%	-12.8%
Quarterly Gross Margin	Sep 30, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Operating Margin	Sep 30, 25	19.77%	-40.1%	+27.6%	-57.3%	-46.5%

Quarterly Net Margin Highs

FBNC Quarterly Net Margin Highs Comparison
Period	High	Date	Current
1Y	25.38%	Jun 30, 25	-39.2%
3Y	35.50%	N/A	-56.5%
5Y	37.16%	Jun 30, 22	-58.5%
All	86.49%	Jun 30, 09	-82.2%

Quarterly Net Margin Lows

FBNC Quarterly Net Margin Lows Comparison
Period	Low	Date	Current
1Y	3.32%	N/A	+364.8%
3Y	3.32%	Dec 31, 24	+364.8%
5Y	3.32%	Dec 31, 24	+364.8%
All	-77.52%	Dec 31, 12	+119.9%

Quarterly Net Margin History

Month	Value	Change
Sep 2025	15.43%	-39.2%
Jun 2025	25.38%	+2.1%
Mar 2025	24.87%	+649.1%
Dec 2024	3.32%	-73.9%
Sep 2024	12.73%	-35.9%
Jun 2024	19.86%	+10.4%
Mar 2024	17.99%	-14.0%
Dec 2023	20.92%	-2.0%
Sep 2023	21.34%	-1.1%
Jun 2023	21.57%	+87.4%
Mar 2023	11.51%	-67.6%
Dec 2022	35.50%	-0.9%
Sep 2022	35.84%	-3.6%
Jun 2022	37.16%	+8.3%
Mar 2022	34.31%	+198.1%
Dec 2021	11.51%	-67.8%
Sep 2021	35.72%	+1.4%
Jun 2021	35.22%	-1.2%
Mar 2021	35.66%	+19.8%
Dec 2020	29.76%	+2.7%
Sep 2020	28.97%	+49.7%
Jun 2020	19.35%	-14.8%
Mar 2020	22.72%	-18.0%
Dec 2019	27.71%	-13.5%
Sep 2019	32.03%	+6.5%
Jun 2019	30.08%	+7.4%
Mar 2019	28.02%	-11.2%
Dec 2018	31.57%	+5.8%
Sep 2018	29.84%	-4.4%
Jun 2018	31.20%	+7.1%
Mar 2018	29.12%	+39.8%
Dec 2017	20.83%	-8.3%
Sep 2017	22.71%	+17.9%
Jun 2017	19.27%	+18.0%
Mar 2017	16.33%	-16.8%
Dec 2016	19.63%	+75.3%
Sep 2016	11.20%	-39.3%
Jun 2016	18.44%	+6.8%
Mar 2016	17.26%	-0.2%
Dec 2015	17.30%	-5.0%
Sep 2015	18.21%	+11.9%
Jun 2015	16.28%	-10.6%
Mar 2015	18.21%	+3.7%
Dec 2014	17.56%	+29.5%
Sep 2014	13.56%	-12.6%
Jun 2014	15.51%	+17.1%
Mar 2014	13.24%	+12.8%
Dec 2013	11.74%	-14.8%
Sep 2013	13.78%	+13.3%
Jun 2013	12.16%	+65.4%
Mar 2013	7.35%	+109.5%
Dec 2012	-77.52%	-854.8%
Sep 2012	10.27%	+22.4%
Jun 2012	8.39%	+168.4%
Mar 2012	-12.26%	-606.6%
Dec 2011	2.42%	-59.6%
Sep 2011	5.99%	-26.6%
Jun 2011	8.16%	-45.2%
Mar 2011	14.89%	+466.7%
Dec 2010	-4.06%	-146.7%
Sep 2010	8.70%	+0.5%
Jun 2010	8.66%	-10.3%
Mar 2010	9.65%	-10.8%
Dec 2009	10.82%	-16.6%
Sep 2009	12.97%	-85.0%
Jun 2009	86.49%	+733.2%
Mar 2009	10.38%	-13.5%
Dec 2008	12.00%	-16.3%
Sep 2008	14.34%	+15.4%
Jun 2008	12.43%	-6.3%

Month	Value	Change
Mar 2008	13.26%	-0.1%
Dec 2007	13.27%	-1.9%
Sep 2007	13.53%	+4.3%
Jun 2007	12.97%	+5.5%
Mar 2007	12.29%	-6.3%
Dec 2006	13.11%	+9.1%
Sep 2006	12.02%	-11.9%
Jun 2006	13.64%	-10.7%
Mar 2006	15.28%	-35.0%
Dec 2005	23.50%	+1,112.9%
Sep 2005	-2.32%	-114.2%
Jun 2005	16.37%	-7.6%
Mar 2005	17.71%	-14.4%
Dec 2004	20.69%	-1.8%
Sep 2004	21.06%	+1.5%
Jun 2004	20.74%	+1.9%
Mar 2004	20.35%	-3.8%
Dec 2003	21.16%	-6.8%
Sep 2003	22.70%	+4.6%
Jun 2003	21.71%	+2.7%
Mar 2003	21.14%	+1.9%
Dec 2002	20.74%	+1.0%
Sep 2002	20.53%	+11.2%
Jun 2002	18.47%	+3.6%
Mar 2002	17.83%	+14.4%
Dec 2001	15.59%	-7.0%
Sep 2001	16.77%	+12.9%
Jun 2001	14.86%	-6.5%
Mar 2001	15.89%	-5.1%
Dec 2000	16.75%	+435.0%
Sep 2000	-5.00%	-135.1%
Jun 2000	14.23%	-4.5%
Mar 2000	14.90%	+0.1%
Dec 1999	14.88%	-4.1%
Sep 1999	15.52%	+3.0%
Jun 1999	15.07%	+6.9%
Mar 1999	14.10%	-1.9%
Dec 1998	14.38%	+0.5%
Sep 1998	14.31%	+0.6%
Jun 1998	14.23%	+1.0%
Mar 1998	14.09%	-40.6%
Dec 1997	23.73%	+2.2%
Sep 1997	23.21%	+6.4%
Jun 1997	21.82%	+3.2%
Mar 1997	21.15%	+7.9%
Dec 1996	19.61%	-13.4%
Sep 1996	22.64%	+10.9%
Jun 1996	20.41%	-4.1%
Mar 1996	21.28%	+225.0%
Dec 1995	-17.02%	-183.2%
Sep 1995	20.45%	+15.0%
Jun 1995	17.78%	+11.8%
Mar 1995	15.91%	-6.5%
Dec 1994	17.02%	-12.8%
Sep 1994	19.51%	+3.1%
Jun 1994	18.92%	+10.4%
Mar 1994	17.14%	-9.4%
Dec 1993	18.92%	-2.7%
Sep 1993	19.44%	0.0%
Jun 1993	19.44%	+13.4%
Mar 1993	17.14%	-22.9%
Dec 1992	22.22%	+25.9%
Sep 1992	17.65%	0.0%
Jun 1992	17.65%	+16.5%
Mar 1992	15.15%	-3.1%
Dec 1991	15.63%	-14.0%
Sep 1991	18.18%	+16.3%
Jun 1991	15.63%	+21.2%
Mar 1991	12.90%	-

FAQ

What is the current quarterly net margin of FBNC?
As of today, FBNC quarterly net margin is 15.43%
What is FBNC quarterly net margin most recent change?
FBNC quarterly net margin was down -39.20% on September 30, 2025
What is 1-year change in FBNC quarterly net margin?
FBNC quarterly net margin is up +21.21% year-over-year
How far is FBNC quarterly net margin from its all-time high?
FBNC quarterly net margin is currently -82.16% below its historical high of 86.49% set on June 30, 2009
How does FBNC quarterly net margin rank versus sector peers?
FBNC quarterly net margin is higher than 45.40% of companies in Financial Services sector
When is FBNC next earnings release?
As of today, the next earnings release for FBNC has not been scheduled

Net Margin Formula

Net Margin =

× 100%

Data Sources & References

FBNC Official Website localfirstbank.com
Most Recent Quarterly Report (10-Q) www.sec.gov/Archives/edgar/data/811589/000081158925000077/0000811589-25-000077-index.htm
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/811589/000081158925000008/0000811589-25-000008-index.htm
FBNC Profile on Yahoo Finance finance.yahoo.com/quote/FBNC
FBNC Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/fbnc