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    First Bancorp (FBNC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $60.33
    +1.08 (+1.82%)

    Market Cap: $2.45B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    87%(34/39)
    Avg Surprise
    +11.47%
    Streak
    9 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.18
    Range$1.14 - $1.22
    5 analysts
    EPS RevisionsNo revisions (7d)
    1
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$1.19-0.4%
    60d ago$1.18-0.2%
    30d ago$1.18-0.2%
    7d ago$1.18-0.2%
    Current$1.18
    Revenue Consensus
    $130M
    Range$129M - $131M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.31
    Range$1.17 - $1.39
    5 analysts
    Revenue Consensus
    $134M
    Range$132M - $136M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.31---
    Sep 26EST
    		-$1.18---
    Jun 26
    Reported Jul 22
    		$1.22$1.15+6.09%Beat+40.2%
    Mar 26
    Reported Apr 22
    		$1.13$1.09+3.67%Beat+34.5%
    Dec 25
    Reported Jan 21
    		$1.19$1.04+14.42%Beat+56.6%
    Sep 25
    Reported Oct 22
    		$1.01$0.92+9.78%Beat+44.3%
    Jun 25
    Reported Jul 23
    		$0.87$0.87+0.00%Beat+24.3%
    Mar 25
    Reported Apr 23
    		$0.84$0.78+7.69%Beat+37.7%
    Dec 24
    Reported Jan 29
    		$0.76$0.74+2.70%Beat+5.6%
    Sep 24
    Reported Oct 23
    		$0.70$0.70+0.00%Beat-4.1%
    Jun 24
    Reported Jul 24
    		$0.70$0.60+16.67%Beat-5.4%
    Mar 24
    Reported Apr 24
    		$0.61$0.63-3.17%Miss-30.7%
    Dec 23
    Reported Jan 24
    		$0.72$0.65+10.77%Beat-33.9%
    Sep 23
    Reported Oct 25
    		$0.73$0.69+5.80%Beat-32.4%
    Jun 23
    Reported Jul 26
    		$0.74$0.79-6.33%Miss-28.8%
    Mar 23
    Reported Apr 26
    		$0.88$0.91-3.30%Miss-14.6%
    Dec 22
    Reported Jan 24
    		$1.09$1.11-1.80%Miss+2.8%
    Sep 22
    Reported Oct 26
    		$1.08$0.98+10.20%Beat+11.3%
    Jun 22
    Reported Jul 27
    		$1.04$1.02+1.96%Beat+1.0%
    Mar 22
    Reported Apr 27
    		$1.03$0.93+10.75%Beat+4.0%
    Dec 21
    Reported Jan 26
    		$1.06$0.83+27.71%Beat+27.7%
    Sep 21
    Reported Oct 26
    		$0.97$0.95+2.11%Beat+19.8%
    Jun 21
    Reported Jul 27
    		$1.03$0.91+13.19%Beat+202.9%
    Mar 21
    Reported Apr 27
    		$0.99$0.85+16.47%Beat+59.7%
    Dec 20
    Reported Jan 27
    		$0.83$0.76+9.21%Beat+9.2%
    Sep 20
    Reported Oct 26
    		$0.81$0.48+68.75%Beat-3.6%
    Jun 20
    Reported Jul 23
    		$0.34$0.16+112.50%Beat-57.5%
    Mar 20
    Reported Apr 28
    		$0.62$0.59+5.08%Beat-17.3%
    Dec 19
    Reported Jan 22
    		$0.76$0.78-2.56%Miss-8.4%
    Sep 19
    Reported Oct 23
    		$0.84$0.80+5.00%Beat+12.0%
    Jun 19
    Reported Jul 24
    		$0.80$0.77+3.90%Beat+2.6%
    Mar 19
    Reported Apr 23
    		$0.75$0.71+5.63%Beat-2.6%
    Dec 18
    Reported Jan 23
    		$0.83$0.73+13.70%Beat+50.9%
    Sep 18
    Reported Oct 23
    		$0.75$0.74+1.35%Beat+31.6%
    Jun 18
    Reported Jul 24
    		$0.78$0.69+13.04%Beat+62.5%
    Mar 18
    Reported Apr 24
    		$0.77$0.62+24.19%Beat+87.8%
    Dec 17
    Reported Jan 29
    		$0.55$0.53+3.77%Beat+34.1%
    Sep 17
    Reported Oct 24
    		$0.57$0.49+16.33%Beat-
    Jun 17
    Reported Jul 25
    		$0.48$0.44+9.09%Beat-
    Mar 17
    Reported Apr 27
    		$0.41$0.38+7.89%Beat-
    Dec 16
    Reported Mar 14
    		$0.41$0.39+5.13%Beat-

    Dividends

    Dividend Metrics

    Forward Yield1.59%
    Forward Annual Dividend$0.96
    Payout Ratio29.36%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+1.12%
    5Y CAGR+4.80%
    FBNC dividend history and ex-dividend datesRun FBNC in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio13.26EV/EBITDA13.44x
    Price/FCF10.95xFCF Yield9.13%
    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
    Beta0.85Avg Volume252.06K
    52-Week High$66.5252-Week Low$45.54

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$60.07
    SMA 20$61.22
    SMA 50$63.02
    SMA 200$59.73
    EMA 10$60.18
    EMA 20$60.99
    EMA 50$62.06
    EMA 200$59.21

    MACD

    Line: -1.01Signal: -0.92Hist: -0.09

    ADX

    ADX: 31.6+DI: 19.1-DI: 27.5

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down76.0
    PSAR$61.15

    Bollinger Bands

    Upper Band$64.21
    Lower Band$58.24
    %B Position975%(Upper)
    Band Width0.35

    RSI (14-Day)

    Neutral
    44.0

    Momentum Oscillators

    Stoch %K24.6
    Stoch %D20.9
    Williams %R-64.8
    ROC (10d)-2.0%
    Momentum-1.24
    CCI (20d)-54.0
    MFI (14d)25.9

    Volatility Measures

    ATR (14d)$1.37(2.3%)
    StdDev (20d)1.49
    Hist Vol21.0%(Moderate)

    Volume Flow

    VWAP$60.18
    OBV5.8M
    AD Line-44.5M
    CMF (20d)-0.068

    Volume Metrics

    Avg Vol (20d)243.5K
    Vol Ratio0.9x
    VWMA (20d)$61.54

    Pivot Points

    R3$60.77
    R2$60.21
    R1$59.73
    Pivot Point$59.17
    S1$58.69
    S2$58.13
    S3$57.65

    Advanced Oscillators

    TSI-21.28
    Ultimate Osc48.8
    KST-52.95

    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 Bank welcomes Carmen Serbio to the team

    First Bank has announced the addition of Carmen Serbio as senior vice president and business development officer. Serbio brings three decades of banking experience from the Fayetteville market and holds degrees from...

    Greater Fayetteville Business Journal•10/14/26•Bullish

    First Bancorp (NASDAQ:FBNC) Stock Rated "Hold" by Wall Street Brokerages

    First Bancorp (NASDAQ:FBNC) has received a consensus "Hold" rating from Wall Street analysts, with an average 12-month price target of $67.94. The company recently surpassed quarterly earnings and revenue expectations...

    MarketBeat•10/14/26•Neutral

    Dividend of USD 0.38 declared for The First Bancorp stock

    The First Bancorp has declared a quarterly cash dividend of USD 0.38 per share, with payment scheduled for October 16, 2026. This dividend follows a strong second quarter for the company...

    ad-hoc-news.de•10/13/26•Neutral

    A November 17 shareholder vote awaits First Bancorp (FBNC)'s proposed cash-and-stock merger.

    First Bancorp (FBNC) is proposing a cash-and-stock merger with First Carolina Bancshares Corporation, which will be put to a shareholder vote on November 17...

    Stock Titan•10/13/26•Neutral

    FIRST BANCORP /NC/ SEC Filing (Oct 13, 2026)

    This article reports on FIRST BANCORP /NC/'s SEC filing, specifically an EFFECT notice for Form S-4, which became effective on October 9, 2026...

    Stock Titan•10/13/26•Neutral

    FBNC Valuation and Fair Value

    P/E
    13.3x
    Forward P/E
    14.6x
    EV/EBITDA
    13.4x
    P/FCF
    10.9x
    PEG
    1.6x
    P/B
    1.4x
    See GNG's fair value

    FBNC Profitability: Margins, ROIC and FCF

    Operating margin
    51.2%
    Net margin
    32.4%
    ROIC
    7.4%
    ROE
    8.1%
    FCF margin
    53.6%
    FCF yield
    9.1%

    FBNC Competitors

    CompanyTicker
    Zions Bancorporation, National AssociationZIONP
    First Merchants CorporationFRME
    CleanSpark IncCLSK
    HCI Group IncHCI
    Fidelis Insurance Holdings LimitedFIHL
    Banner CorporationBANR
    F&G Annuities & Life Inc.FG
    First Busey CorpBUSE

    Sector: Financial Services

    FBNC Analyst Ratings

    Consensus
    Buy
    Analysts
    5
    Strong Buy
    1
    Buy
    2
    Hold
    2
    Sell
    0
    Strong Sell
    0

    FBNC Bull Case vs Bear Case

    Bull case

    • FBNC converts 53.6% of revenue into free cash flow.
    • FBNC has a 32.4% net profit margin.
    • FBNC beat EPS estimates in 75.0% of its last 8 reported quarters.

    FBNC Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    5.5%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.18
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 1 down

    FBNC Dividend

    Forward yield
    1.6%
    Payout ratio
    29.4%
    3Y DPS growth
    1.1%
    5Y DPS growth
    4.8%
    Pay months
    Jan, Apr, Jul, Oct
    FBNC dividend history

    Frequently Asked Questions About FBNC

    What is FBNC's current dividend yield?

    First Bancorp (FBNC) has a forward dividend yield of 1.59%.

    Does FBNC pay dividends?

    Yes, First Bancorp pays dividends with a forward dividend yield of 1.59%.

    What is FBNC's P/E ratio?

    First Bancorp has a price-to-earnings (P/E) ratio of 13.26.

    What is FBNC's market cap?

    First Bancorp (FBNC) has a market capitalization of $2.45B with a current stock price of $60.33.

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