FBNC
Bearish signalScored 2026-10-05 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
First Bancorp
- Nom
- First Bancorp
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $2.7B
- Employés
- 1,353
- PDG
- Richard Hancock Moore
- Site web
- https://localfirstbank.com
- Marché
- FCBMFCCOFCNCAFRBAFXNCSFST
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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 231 titres (~14 837,13 $ US) VENTE TOTALE: 23 343 titres (~1 467 171,62 $ US)
- Insiders
- MOORE RICHARD HNevin Katharine Caldwell
- Total bought
-
$14,837
Avg buy (VWAP, 90d window) $64.23 vs last close $59.74 (-7.0%)
- Total sold
-
$1,467,172
Avg sell (VWAP, 90d window) $62.85 vs last close $59.74 (-5.0%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-29
- Liquidity
- Thin $15,572,196/day · 20d vol
- Last synced
-
2026-10-06 21:10:22
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-29 | MOORE RICHARD H | Sell · S | 7,343 | $62.17 | $456,500 | Form 4 |
| 2026-09-28 | MOORE RICHARD H | Sell · S | 16,000 | $63.17 | $1,010,672 | Form 4 |
| 2026-09-11 | Nevin Katharine Caldwell | Buy · P | 231 | $64.23 | $14,837 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-10-05 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
FBNC presents a deeply unfavorable risk/reward profile: a critically low liquidity score (25) driven by a current ratio of 0.24 and sub-1.0 interest coverage is compounded by a near-absent catalyst score (15) with no…
The first sentence of the analysis written for FBNC on 2026-10-05 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Sale value outweighs purchases
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Unavailable or mixed. Current ratio 0.24 · operating margin 27% — readings disagree
Suggested stop 59.00, nearest stored support minus 0.5 ATR(1.2% under the last close). Reward/risk to the next stored resistance is 3.46. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 70.1% | 61.7% | 70.4% | 93.0% | 92.4% | |
| Ebit Margin | 26.6% | 18.5% | 24.4% | 45.4% | 37.0% | |
| Ebitda Margin | 28.5% | 21.9% | 27.9% | 49.2% | 41.3% | |
| Operating Profit Margin | 26.6% | 18.5% | 24.4% | 45.4% | 37.0% | |
| Pretax Profit Margin | 25.7% | 18.5% | 24.4% | 45.4% | 37.0% | |
| Continuous Operations Profit Margin | 20.4% | 14.4% | 19.2% | 36.0% | 29.4% | |
| Net Profit Margin | 20.4% | 14.4% | 19.2% | 36.0% | 29.4% | |
| Bottom Line Profit Margin | 20.4% | 14.3% | 19.1% | 35.9% | 29.3% | |
| Current Ratio | 0.237 | 0.232 | 0.246 | 0.283 | 0.342 | |
| Quick Ratio | 0.237 | 0.232 | 0.246 | 0.283 | 0.342 | |
| Solvency Ratio | 0.011 | 0.009 | 0.011 | 0.017 | 0.012 | |
| Cash Ratio | 0.016 | 0.048 | 0.024 | 0.029 | 0.051 | |
| Price To Earnings Ratio | 18.951 | 23.768 | 14.642 | 10.398 | 17.060 | |
| Price To Earnings Growth Ratio | 0.422 | -0.875 | -0.382 | 0.194 | -2.860 | |
| Forward Price To Earnings Growth Ratio | 0.422 | -0.875 | -0.382 | 0.194 | -2.860 | |
| Price To Earnings Diluted Ratio | 18.951 | 23.897 | 14.817 | 10.398 | 17.060 | |
| Price To Earnings Diluted Growth Ratio | 0.415 | -0.895 | -0.379 | 0.194 | -3.688 | |
| Price To Book Ratio | 1.270 | 1.248 | 1.104 | 1.474 | 1.324 | |
| Price To Sales Ratio | 3.867 | 3.398 | 2.800 | 3.729 | 5.014 | |
| Price To Free Cash Flow Ratio | 10.560 | 10.479 | 11.934 | 6.746 | 12.254 | |
| Price To Operating Cash Flow Ratio | 10.339 | 10.320 | 11.533 | 6.591 | 11.445 | |
| Debt To Assets Ratio | 0.006 | 0.001 | 0.027 | 0.022 | 0.002 | |
| Debt To Equity Ratio | 0.045 | 0.010 | 0.234 | 0.231 | 0.016 | |
| Debt To Capital Ratio | 0.043 | 0.010 | 0.190 | 0.187 | 0.016 | |
| Long Term Debt To Capital Ratio | 0.043 | 0.010 | 0.181 | 0.175 | -0.001 | |
| Financial Leverage Ratio | 7.658 | 8.403 | 8.828 | 10.300 | 8.540 | |
| Working Capital Turnover Ratio | -0.071 | -0.068 | -0.076 | -0.065 | -0.062 | |
| Operating Cash Flow Ratio | 0.022 | 0.017 | 0.013 | 0.025 | 0.016 | |
| Operating Cash Flow Sales Ratio | 0.374 | 0.329 | 0.243 | 0.566 | 0.438 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.979 | 0.985 | 0.966 | 0.977 | 0.934 | |
| Debt Service Coverage Ratio | 0.794 | 0.503 | 0.868 | 10.077 | 11.506 | |
| Interest Coverage Ratio | 0.907 | 0.525 | 0.929 | 11.502 | 12.635 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 2.724 | 12.011 | 0.408 | 0.970 | 7.298 | |
| Capital Expenditure Coverage Ratio | 47.852 | 65.781 | 29.721 | 43.627 | 15.139 | |
| Dividend Paid And Capex Coverage Ratio | 4.891 | 4.492 | 3.338 | 6.417 | 4.500 | |
| Dividend Payout Ratio | 0.336 | 0.476 | 0.336 | 0.209 | 0.232 | |
| Enterprise Value Multiple | 13.114 | 11.300 | 10.579 | 7.418 | 8.844 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 70.1% | ▲8.4% | ▼-7.4% |
| Ebit Margin | 26.6% | ▲8.1% | ▼-3.8% |
| Ebitda Margin | 28.5% | ▲6.6% | ▼-5.3% |
| Operating Profit Margin | 26.6% | ▲8.1% | ▼-3.8% |
| Pretax Profit Margin | 25.7% | ▲7.2% | ▼-4.5% |
| Continuous Operations Profit Margin | 20.4% | ▲6.1% | ▼-3.5% |
| Net Profit Margin | 20.4% | ▲6.1% | ▼-3.5% |
| Bottom Line Profit Margin | 20.4% | ▲6.1% | ▼-3.4% |
| Current Ratio | 0.237 | ▲0.005 | ▼-0.031 |
| Quick Ratio | 0.237 | ▲0.005 | ▼-0.031 |
| Solvency Ratio | 0.011 | ▲0.002 | ▼-0.001 |
| Cash Ratio | 0.016 | ▼-0.033 | ▼-0.018 |
| Price To Earnings Ratio | 18.951 | ▼-4.816 | ▲1.988 |
| Price To Earnings Growth Ratio | 0.422 | ▲1.297 | ▲1.123 |
| Forward Price To Earnings Growth Ratio | 0.422 | ▲1.297 | ▲1.123 |
| Price To Earnings Diluted Ratio | 18.951 | ▼-4.945 | ▲1.927 |
| Price To Earnings Diluted Growth Ratio | 0.415 | ▲1.310 | ▲1.286 |
| Price To Book Ratio | 1.270 | ▲0.022 | ▼-0.014 |
| Price To Sales Ratio | 3.867 | ▲0.469 | ▲0.105 |
| Price To Free Cash Flow Ratio | 10.560 | ▲0.081 | ▲0.165 |
| Price To Operating Cash Flow Ratio | 10.339 | ▲0.019 | ▲0.294 |
| Debt To Assets Ratio | 0.006 | ▲0.005 | ▼-0.006 |
| Debt To Equity Ratio | 0.045 | ▲0.035 | ▼-0.062 |
| Debt To Capital Ratio | 0.043 | ▲0.033 | ▼-0.046 |
| Long Term Debt To Capital Ratio | 0.043 | ▲0.033 | ▼-0.038 |
| Financial Leverage Ratio | 7.658 | ▼-0.745 | ▼-1.087 |
| Working Capital Turnover Ratio | -0.071 | ▼-0.003 | ▼-0.003 |
| Operating Cash Flow Ratio | 0.022 | ▲0.005 | ▲0.003 |
| Operating Cash Flow Sales Ratio | 0.374 | ▲0.045 | ▼-0.016 |
| Free Cash Flow Operating Cash Flow Ratio | 0.979 | ▼-0.006 | ▲0.011 |
| Debt Service Coverage Ratio | 0.794 | ▲0.290 | ▼-3.956 |
| Interest Coverage Ratio | 0.907 | ▲0.382 | ▼-4.392 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 2.724 | ▼-9.287 | ▼-1.958 |
| Capital Expenditure Coverage Ratio | 47.852 | ▼-17.930 | ▲7.428 |
| Dividend Paid And Capex Coverage Ratio | 4.891 | ▲0.399 | ▲0.164 |
| Dividend Payout Ratio | 0.336 | ▼-0.140 | ▲0.018 |
| Enterprise Value Multiple | 13.114 | ▲1.814 | ▲2.863 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $2.10B | $1.80B | $1.52B | $1.52B | $1.63B | |
| Enterprise value | $2.03B | $1.31B | $1.60B | $1.49B | $1.19B | |
| EV / Sales | 3.73x | 2.47x | 2.96x | 3.65x | 3.65x | |
| EV / Op. cash flow | 9.98x | 7.50x | 12.17x | 6.45x | 8.34x | |
| EV / Free cash flow | 10.20x | 7.62x | 12.60x | 6.60x | 8.93x | |
| EV / EBITDA | 13.11x | 11.30x | 10.58x | 7.42x | 8.84x | |
| Net debt / EBITDA | -0.47x | -4.25x | 0.55x | -0.16x | -3.29x | |
| Current ratio | 0.24x | 0.23x | 0.25x | 0.28x | 0.34x | |
| Income quality | 1.83x | 2.29x | 1.26x | 1.57x | 1.49x | |
| Graham number | $49 | $38 | $44 | $52 | $46 | |
| Graham net-net | -$213 | -$202 | -$203 | -$197 | -$173 | |
| Tax burden | 79.6% | 77.7% | 78.9% | 79.3% | 79.5% | |
| Interest burden | 96.7% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$7.19B | -$8.09B | -$7.57B | -$6.62B | -$6.01B | |
| Invested capital | -$6.55B | -$7.45B | -$6.91B | -$6.09B | -$5.47B | |
| Return on assets | 0.9% | 0.6% | 0.9% | 1.4% | 0.9% | |
| Operating ROA | 1.2% | 0.8% | 1.2% | 1.8% | 1.4% | |
| Return on tangible assets | 0.9% | 0.7% | 0.9% | 1.4% | 0.9% | |
| Return on equity | 6.7% | 5.3% | 7.6% | 14.2% | 7.8% | |
| Return on invested capital | -1.8% | 4.7% | 5.0% | 10.5% | 6.9% | |
| Return on capital employed | 4.4% | 6.1% | 6.4% | 13.3% | 8.7% | |
| Earnings yield | 5.3% | 4.2% | 6.9% | 9.7% | 5.9% | |
| Free cash flow yield | 9.5% | 9.5% | 8.4% | 14.8% | 8.2% | |
| Capex / Op. cash flow | 2.1% | 1.5% | 3.4% | 2.3% | 6.6% | |
| Capex / Depreciation | 28.4% | 14.9% | 23.0% | 34.5% | 67.5% | |
| Capex / Sales | 0.8% | 0.5% | 0.8% | 1.3% | 2.9% | |
| SG&A / Sales | 28.8% | 28.7% | 28.3% | 30.8% | 33.8% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.7% | 0.9% | 0.9% | 0.7% | 0.7% | |
| Intangibles / Total assets | 3.9% | 4.1% | 4.2% | 3.5% | 3.6% | |
| Days sales outstanding | 26d | 25d | 25d | 27d | 29d | |
| Days payables outstanding | 0d | 8d | 13d | 35d | 9d | |
| Operating cycle | 26d | 25d | 25d | 27d | 29d | |
| Cash conversion cycle | 26d | 17d | 12d | -8d | 20d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-15 First Bancorp Announces Cash Dividend SOUTHERN PINES, N.C., Sept. 15, 2026 /PRNewswire/ -- The Board of Directors of First Bancorp (NASDAQ: FBNC) (the "Company"), the parent company of First Bank, has declared a cash dividend on its common stock of $0.24 per share payable on October 23, 2026 to shareholders of record as of September 30, 2026.
- 2026-09-10 First BanCorp: Exceptional Run Doesn''t Necessitate A Downgrade First BanCorp has delivered outsized returns, outperforming the S&P 500 since my bullish stance in December. FBP''s asset quality remains impressive, with strong returns on assets (2.02%) and equity (19.49%) despite elevated valuation multiples. Net interest margin improved to 4.87%, and the bank is well-positioned to benefit further from rising interest rates.
- 2026-09-05 Deutsche Bank AG Buys Shares of 7,774 First Bancorp $FBNC Deutsche Bank AG bought a new position in First Bancorp (NASDAQ: FBNC) in the second quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The fund bought 7,774 shares of the financial services provider''s stock, valued at approximately $233,000. Several other hedge funds have also modified their holdings
- 2026-09-04 BlackRock Inc. Invests $16.49 Million in First Bancorp $FBNC BlackRock Inc. acquired a new stake in shares of First Bancorp (NASDAQ: FBNC) in the second quarter, according to the company in its most recent disclosure with the SEC. The firm acquired 549,166 shares of the financial services provider''s stock, valued at approximately $16,486,000. BlackRock Inc. owned approximately 1.33% of First Bancorp as
- 2026-08-31 Connor Clark & Lunn Investment Management Ltd. Takes $1.09 Million Position in First Bancorp $FBNC Connor Clark and Lunn Investment Management Ltd. acquired a new stake in shares of First Bancorp (NASDAQ: FBNC) during the second quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The firm acquired 33,483 shares of the financial services provider''s stock, valued at approximately $1,094,000. Connor Clark and
- 2026-08-28 Bank of New York Mellon Corp Purchases Shares of 1,728,218 First Bancorp $FBNC Bank of New York Mellon Corp purchased a new position in shares of First Bancorp (NASDAQ: FBNC) during the second quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor purchased 1,728,218 shares of the financial services provider''s stock, valued at approximately
- 2026-08-27 Ancora Advisors LLC Makes New $1.88 Million Investment in First Bancorp $FBNC Ancora Advisors LLC bought a new position in First Bancorp (NASDAQ: FBNC) in the undefined quarter, according to the company in its most recent 13F filing with the SEC. The firm bought 57,428 shares of the financial services provider''s stock, valued at approximately $1,877,000. Ancora Advisors LLC owned about 0.14% of First Bancorp
- 2026-08-24 Great Lakes Advisors LLC Purchases Shares of 18,295 First Bancorp $FBNC Great Lakes Advisors LLC acquired a new position in shares of First Bancorp (NASDAQ: FBNC) in the undefined quarter, according to its most recent filing with the Securities and Exchange Commission. The fund acquired 18,295 shares of the financial services provider''s stock, valued at approximately $477,000. Several other large investors also recently made
- 2026-07-30 Fifth Third Bancorp Purchases 9,066 Shares of First Bancorp $FBNC Fifth Third Bancorp lifted its position in First Bancorp (NASDAQ: FBNC) by 8,167.6% in the first quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor owned 9,177 shares of the financial services provider''s stock after purchasing an additional 9,066 shares during the quarter. Fifth
- 2026-07-22 First Bancorp (FBNC) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates The headline numbers for First Bancorp (FBNC) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.