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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

First Bancorp (FBNC)

Financial Services Banks - Regional
62.90 $
-0.2% vs. previous close
Closing price · As of: 31. Jul 2026
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Basics

Market Cap
2.6$B
Shares Outstanding
41Mio.
Float
98.3%
Beta
0.8

Performance

Perf. 1M
9.20%
Perf. 3M
16.60%
Perf. 6M
24.00%
YTD Performance (%)
22.70%
52-Week-High Distance
-1.4%
Perf. 1Y
52.74%
Perf. 3Y
120.10%
Perf. 5Y
61.47%

Valuation

P/E
21.9
Forward P/E
14.3
PEG
1.6
P/B
1.6
P/S
4.7
EV/EBITDA
0.0
Price/FCF
12.7

Profitability

Gross Margin
100.0%
EBIT Margin
50.5%
Net Margin
30.8%
Return on Equity
7.6%
Return on Assets
1.0%

Balance Sheet & Safety

Equity Ratio
13.0%
Debt/Equity
0.1
Altman Z″
4.80
very solid
Piotroski
8 out of 9

Growth

Sales Growth Last Quarter
13.90%
EPS Growth Last Quarter
28.00%
Sales Growth (Year)
2.32%
Forward Sales Growth
6.81%
Forward EPS Growth
7.00%

Dividend

Dividend Yield
1.50%
Dividend Per Share (TTM)
0.94$
Payout Ratio
22.4%
Years Without a Cut
16Years
Increase Streak
1Years

Quality & Screener

Stage
2
RS Rating
68
EPS Rating
70
very solid
Piotroski
8 out of 9
Fundamental Rating
B (63 out of 100)
Altman Z″
4.80

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

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

Current Price 62.90 $
Price Target (average) 66.35 $

The price target sits 5.5% above the current price.

Consensus
Buy

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.

Next Reporting Date

21. Oct 2026 · after the close · Q3 2026
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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The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 107.3 $M Q4 2025: Q1 · 144.4 $M Q1 2025: Q2 · 149.5 $M Q2 2025: Q3 · 127.9 $M Q3 2025: Q4 · 121.3 $M Q4 2026: Q1 · 157.6 $M Q1

Source: fundamental data

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Quarterly Figures

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
What Do These Terms Mean?
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.

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.

Employees1,353
HeadquartersSouthern Pines, NC
Websitelocalfirstbank.com
IPO Date9. Dec 1992

Management

Management
Name Title Birth Year
Richard Hancock Moore Chairman & CEO 1961
Elizabeth B. Bostian Executive VP & CFO 1980
Christian Wilson Executive VP & COO 1982
Brent Hicks Executive VP & Chief Accounting Officer 1973
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.

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