F

    First Bancorp (FBNC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $63.43
    -0.56 (-0.88%)

    Market Cap: $2.65B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    88%(35/40)
    Avg Surprise
    +11.18%
    Streak
    9 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$1.18
    Range$1.14 - $1.22
    5 analysts
    EPS RevisionsNo revisions (7d)
    1
    1
    30d
    EPS Estimate Drift
    90d ago$1.19+0.7%
    60d ago$1.18-0.2%
    30d ago$1.19+0.3%
    7d ago$1.18+0.0%
    Current$1.18
    Revenue Consensus
    $130M
    Range$129M - $131M
    4 analysts
    Dec 31, 2026
    EPS Consensus$1.31
    Range$1.17 - $1.39
    5 analysts
    Revenue Consensus
    $133M
    Range$132M - $136M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.31---
    Sep 26EST
    		-$1.18---
    Jun 26
    		$1.22$1.15+6.09%Beat+40.2%
    Mar 26
    		$1.13$1.09+3.67%Beat+34.5%
    Dec 25
    		$1.19$1.04+14.42%Beat+56.6%
    Sep 25
    		$1.01$0.92+9.78%Beat+44.3%
    Jun 25
    		$0.87$0.87+0.00%Beat+24.3%
    Mar 25
    		$0.84$0.78+7.69%Beat+37.7%
    Dec 24
    		$0.76$0.74+2.70%Beat+5.6%
    Sep 24
    		$0.70$0.70+0.00%Beat-4.1%
    Jun 24
    		$0.70$0.60+16.67%Beat-5.4%
    Mar 24
    		$0.61$0.63-3.17%Miss-30.7%
    Dec 23
    		$0.72$0.65+10.77%Beat-33.9%
    Sep 23
    		$0.73$0.69+5.80%Beat-32.4%
    Jun 23
    		$0.74$0.79-6.33%Miss-28.8%
    Mar 23
    		$0.88$0.91-3.30%Miss-14.6%
    Dec 22
    		$1.09$1.11-1.80%Miss+2.8%
    Sep 22
    		$1.08$0.98+10.20%Beat+11.3%
    Jun 22
    		$1.04$1.02+1.96%Beat+1.0%
    Mar 22
    		$1.03$0.93+10.75%Beat+4.0%
    Dec 21
    		$1.06$0.83+27.71%Beat+27.7%
    Sep 21
    		$0.97$0.95+2.11%Beat+19.8%
    Jun 21
    		$1.03$0.91+13.19%Beat+202.9%
    Mar 21
    		$0.99$0.85+16.47%Beat+59.7%
    Dec 20
    		$0.83$0.76+9.21%Beat+9.2%
    Sep 20
    		$0.81$0.48+68.75%Beat-3.6%
    Jun 20
    		$0.34$0.16+112.50%Beat-57.5%
    Mar 20
    		$0.62$0.59+5.08%Beat-17.3%
    Dec 19
    		$0.76$0.78-2.56%Miss-8.4%
    Sep 19
    		$0.84$0.80+5.00%Beat+12.0%
    Jun 19
    		$0.80$0.77+3.90%Beat+2.6%
    Mar 19
    		$0.75$0.71+5.63%Beat-2.6%
    Dec 18
    		$0.83$0.73+13.70%Beat+50.9%
    Sep 18
    		$0.75$0.74+1.35%Beat+31.6%
    Jun 18
    		$0.78$0.69+13.04%Beat+62.5%
    Mar 18
    		$0.77$0.62+24.19%Beat+87.8%
    Dec 17
    		$0.55$0.53+3.77%Beat+34.1%
    Sep 17
    		$0.57$0.49+16.33%Beat+137.5%
    Jun 17
    		$0.48$0.44+9.09%Beat-
    Mar 17
    		$0.41$0.38+7.89%Beat-
    Dec 16
    		$0.41$0.39+5.13%Beat-
    Sep 16
    		$0.24$0.24+0.00%Beat-

    Dividends

    Dividend Metrics

    Yield1.48%
    Annual/Share$0.94
    Payout Ratio29.05%
    Frequency4
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+1.12%
    5Y CAGR+4.80%
    View FBNC's full dividend history

    Key Metrics

    Valuation
    P/E Ratio13.94EV/EBITDAN/A
    Price/FCF11.51xFCF Yield8.69%
    Profitability
    Profit Margin32.40%Operating Margin51.20%
    ROE8.14%ROIC7.44%
    Financial Health
    Debt/Equity0.04xInterest Coverage1.09x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.82Avg Volume177.62K
    52-Week High$66.7852-Week Low$45.39

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$64.36
    SMA 20$64.86
    SMA 50$64.02
    SMA 200$58.04
    EMA 10$64.22
    EMA 20$64.38
    EMA 50$63.53
    EMA 200$58.42

    MACD

    Line: 0.00Signal: 0.29Hist: -0.29

    ADX

    ADX: 16.4+DI: 18.0-DI: 25.7

    Aroon & PSAR

    Aroon Up56.0
    Aroon Down16.0
    PSAR$66.40

    Bollinger Bands

    Upper Band$66.67
    Lower Band$63.04
    %B Position561%(Upper)
    Band Width0.11

    RSI (14-Day)

    Neutral
    44.4

    Momentum Oscillators

    Stoch %K23.1
    Stoch %D21.8
    Williams %R-82.7
    ROC (10d)-4.1%
    Momentum-2.69
    CCI (20d)-128.1
    MFI (14d)43.1

    Volatility Measures

    ATR (14d)$1.20(1.9%)
    StdDev (20d)0.91
    Hist Vol17.8%(Low)

    Volume Flow

    VWAP$63.40
    OBV5.9M
    AD Line-41.1M
    CMF (20d)0.121

    Volume Metrics

    Avg Vol (20d)176.9K
    Vol Ratio0.8x
    VWMA (20d)$64.92

    Pivot Points

    R3$65.48
    R2$64.78
    R1$64.39
    Pivot Point$63.69
    S1$63.30
    S2$62.60
    S3$62.21

    Advanced Oscillators

    TSI0.34
    Ultimate Osc52.3
    KST9.91

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$127.30M$122.29M$83.90M$89.61M$110.96M$105.80M$65.66M$96.62M$95.72M$92.17M$97.03M$99.88M
    Cost of RevenueN/A$38.36M$37.44M$41.71M$42.28M$40.89M$44.06M$62.57M$48.25M$48.54M$47.04M$39.15M
    Gross ProfitN/A$119.21M$83.90M$86.17M$107.23M$103.51M$63.29M$80.67M$95.17M$89.55M$88.94M$98.58M
    Operating Expenses$62.76M$60.22M$62.22M$60.21M$58.92M$57.91M$58.28M$59.85M$58.29M$59.19M$56.39M$62.22M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$58.99M$21.68M$25.96M$49.82M$46.78M$6.88M$22.57M$36.88M$31.78M$37.69M$37.66M
    Interest Income$148.31M$142.39M$143.63M$144.20M$136.73M$132.62M$132.40M$131.41M$128.82M$126.61M$126.76M$123.85M
    Interest Expense$37.05M$35.27M$37.44M$41.71M$40.06M$39.78M$43.55M$48.37M$47.71M$47.34M$44.09M$39.15M
    Income Before Tax$63.37M$58.99M$16.95M$25.96M$49.82M$46.78M$6.88M$22.57M$36.88M$31.78M$37.69M$37.66M
    Income Tax Expense$12.85M$12.33M$1.23M$5.59M$11.26M$10.37M$3.33M$3.89M$8.17M$6.51M$8.02M$7.76M
    Net Income$50.52M$46.66M$15.71M$20.36M$38.57M$36.41M$3.55M$18.68M$28.71M$25.27M$29.67M$29.89M
    EBITDA$64.27M$64.24M$21.58M$30.77M$50.49M$52.54M$12.70M$28.99M$43.31M$38.26M$44.78M$44.19M
    EBIT$63.37M$58.99M$16.95M$25.96M$49.82M$46.78M$6.88M$22.57M$36.88M$31.78M$37.69M$37.66M
    * Some calculated fields are derived from available data when not provided by source

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    News

    First Bancorp (NASDAQ:FBNC) Given Average Rating of "Moderate Buy" by Analysts

    First Bancorp (NASDAQ:FBNC) has received an average "Moderate Buy" rating from analysts, with a consensus 1-year target price of $68.9375. The company recently reported strong quarterly earnings, beating analyst estimates, and institutional investors have been adjusting their stakes in the stock.

    MarketBeat•8/25/26•
    Somewhat-Bullish

    Great Lakes Advisors LLC Purchases Shares of 18,295 First Bancorp $FBNC

    Great Lakes Advisors LLC has acquired 18,295 shares of First Bancorp (NASDAQ:FBNC), valued at approximately $477,000, initiating a new position in the company. Institutional investors now own 68.36% of First Bancorp. The financial services provider recently surpassed earnings expectations, reporting an EPS of $1.22 against an estimated $1.15, and revenue of $127.3 million.

    MarketBeat•8/25/26•
    Bullish

    Martin & Co. Inc. TN Makes New Investment in First Bancorp $FBNC

    Martin & Co. Inc. TN has acquired a new stake in First Bancorp (NASDAQ:FBNC), purchasing 67,414 shares valued at $4.31 million, representing a 0.16% ownership. First Bancorp recently surpassed earnings expectations with $1.22 EPS against a $1.15 consensus and $127.3 million in revenue. The company holds a "Moderate Buy" consensus rating from analysts, with an average price target of $68.94.

    MarketBeat•8/23/26•
    Bullish

    Great Lakes Advisors LLC Buys New Position in First Bancorp $FBNC

    Great Lakes Advisors LLC has acquired a new stake of 60,239 shares in First Bancorp (NASDAQ:FBNC), valued at approximately $3.85 million, making them an owner of 0.15% of the company. Other institutional investors like BlackRock Inc., Deutsche Bank AG, and Mitsubishi UFJ Asset Management Co. Ltd. also recently bought new positions in First Bancorp. The company has a "Moderate Buy" consensus rating from analysts with a target price of $68.94, and recently reported strong quarterly earnings, surpassing analyst estimates.

    MarketBeat•8/21/26•
    Somewhat-Bullish

    3 U.S. Financial Stocks Built to Benefit From Higher Interest Rates

    This article highlights three U.S. financial stocks—First Bancorp (FBNC), Employers Holdings (EIG), and Bank First (BFC)—that are well-positioned to benefit from the current environment of higher interest rates. These companies operate in banking and insurance, with their earnings closely tied to net interest margins or investment portfolio yields. The analysis details their operations, market capitalization, and the unique factors that make them attractive in a high-interest-rate environment, while also noting potential risks and valuation considerations.

    Simply Wall Street•8/20/26•
    Somewhat-Bullish

    Frequently Asked Questions About FBNC

    What is FBNC's current dividend yield?
    First Bancorp (FBNC) has a current dividend yield of 1.48%.
    Does FBNC pay dividends?
    Yes, First Bancorp pays dividends with a current yield of 1.48%.
    What is FBNC's P/E ratio?
    First Bancorp has a price-to-earnings (P/E) ratio of 13.94.
    What is FBNC's market cap?
    First Bancorp (FBNC) has a market capitalization of $2.65B with a current stock price of $63.43.

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