Symbols / FBNC Stock $58.29 -2.31% First Bancorp

Financial Services • Banks - Regional • United States • NMS
FBNC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Richard Hancock Moore
Exch · Country NMS · United States
Market Cap 2.41B
Enterprise Value 1.95B
Income 120.68M
Sales 393.33M
FCF (ttm) —
Book/sh 39.89
Cash/sh 14.45
Employees 1,353
Insider 10d —
IPO Apr 30, 1987
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 31.74%
P/E 19.89
Forward P/E 11.47
PEG 1.56
P/S 6.13
P/B 1.46
P/C —
EV/EBITDA —
EV/Sales 4.95
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.93
EPS next Y 5.08
EPS Growth 28.50%
Revenue Growth 13.90%
EPS Gr Q/Q 28.20%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-22
ROA 0.96%
ROE 7.60%
ROIC —
Gross Margin 0.00%
Oper. Margin 50.53%
Profit Margin 30.84%
Shs Outstand 41.38M
Shs Float 40.52M
Insider Own 3.74%
Instit Own 80.38%
Short Float 5.42%
Short Ratio 8.25
Short Interest 1.88M
52W High 62.64
vs 52W High -6.94%
52W Low 39.88
vs 52W Low 46.16%
Beta 0.86
Impl. Vol. 36.96%
Rel Volume 0.30
Avg Volume 222.65K
Volume 66.64K
Target (mean) $66.50
Tgt Median $67.00
Tgt Low $64.00
Tgt High $68.00
# Analysts 4
Recom Buy
Prev Close $59.67
Price $58.29
Change -2.31%
About

First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and businesses. The company accepts deposit products, such as checking, savings, and money market accounts; and time deposits, including certificate of deposits and individual retirement accounts. It also offers commercial business loans, commercial and residential real estate construction and mortgage loans, revolving lines of credit, and letters of credit, as well as loans for personal uses, home improvement, and automobiles; and accounts receivable financing and factoring, inventory financing, and purchase order financing services. In addition, the company provides credit and debit cards, safe deposit box rental services, and electronic funds transfer services consisting of wire transfers; and internet and mobile banking, mobile check deposit, cash management, bank-by-phone services, and remote deposit capture services. Further, it offers investment and insurance products, such as mutual funds, annuities, long-term care insurance, life insurance, and company retirement plans; property and casualty insurance products; and financial planning services. The company was founded in 1934 and is headquartered in Southern Pines, North Carolina.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$66.50
Mean price target
2. Current target
$58.29
Latest analyst target
3. DCF / Fair value
$43.95
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$58.29
Low
$64.00
High
$68.00
Mean
$66.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-23 main Keefe, Bruyette & Woods Outperform → Outperform $66
2026-02-09 down Piper Sandler Overweight → Neutral $64
2026-01-07 up Raymond James Market Perform → Strong Buy $62
2025-09-02 main Keefe, Bruyette & Woods Outperform → Outperform $62
2025-08-01 main Piper Sandler Neutral → Neutral $51
2025-07-28 main Stephens & Co. Overweight → Overweight $57
2025-07-24 main Keefe, Bruyette & Woods Outperform → Outperform $53
2025-05-13 init Piper Sandler — → Neutral $48
2025-04-28 main Stephens & Co. Overweight → Overweight $50
2025-04-24 main Keefe, Bruyette & Woods Outperform → Outperform $50
2025-03-26 init Stephens & Co. — → Overweight $48
2025-02-07 down Janney Montgomery Scott Buy → Neutral —
2024-12-04 main Keefe, Bruyette & Woods Outperform → Outperform $56
2024-07-25 main Keefe, Bruyette & Woods Outperform → Outperform $45
2023-10-26 main Piper Sandler Overweight → Overweight $32
2023-09-14 up DA Davidson Neutral → Buy $34
2023-07-31 down Raymond James Outperform → Market Perform —
2023-07-27 main Keefe, Bruyette & Woods Outperform → Outperform $37
2023-05-01 main Raymond James — → Outperform $36
2023-04-27 main Piper Sandler — → Overweight $39
News
RSS: Latest FBNC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-06 HICKS THOMAS BRENT Officer — 613 $55.93 $34,285
2026-02-04 CRAWFORD JAMES C III Director — 4,500 $60.57 $272,565
2026-02-03 CAPEL MARY CLARA Retired — 5,000 $59.31 $296,554
2026-01-30 CAPEL MARY CLARA Retired — 2,642 $57.75 $152,568
2026-01-28 CAPEL MARY CLARA Retired — 2,500 $56.91 $143,143
2026-01-27 MOORE RICHARD H Chief Executive Officer — 3,959 $56.68 $224,396
2026-01-27 CURRIE GREGORY A Officer and Director — 4,679 $56.68 $265,206
2026-01-27 BOSTIAN ELIZABETH B. Chief Financial Officer — 2,400 $56.68 $136,032
2026-01-27 WILSON CHRISTIAN ANTHONY Chief Operating Officer — 1,224 $56.68 $69,376
2025-12-31 MOORE RICHARD H Chief Executive Officer — 2,204 $50.79 $111,941
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
384.04
+11.69%
343.85
-13.83%
399.01
+1.90%
391.56
Operating Revenue
384.04
+11.69%
343.85
-13.83%
399.01
+1.90%
391.56
Selling General And Administration
156.20
+2.37%
152.59
-0.60%
153.51
+22.18%
125.64
Selling And Marketing Expense
3.38
-8.88%
3.70
-15.84%
4.40
+45.15%
3.03
General And Administrative Expense
152.82
+2.65%
148.88
-0.15%
149.11
+21.62%
122.61
Salaries And Wages
144.18
+2.97%
140.02
+0.12%
139.85
+18.80%
117.72
Reconciled Depreciation
14.93
-16.50%
17.88
-6.95%
19.21
+25.34%
15.33
Total Unusual Items
-0.26
-206.53%
0.24
+101.81%
-13.54
-188.19%
-4.70
Total Unusual Items Excluding Goodwill
-0.26
-206.53%
0.24
+101.81%
-13.54
-188.19%
-4.70
Special Income Charges
0.00
0.00
+100.00%
-13.70
-170.01%
-5.07
Restructuring And Mergern Acquisition
0.00
0.00
-100.00%
13.70
+170.01%
5.07
Net Income
111.05
+45.70%
76.22
-26.81%
104.13
-29.13%
146.94
Pretax Income
139.50
+42.18%
98.12
-25.64%
131.96
-28.76%
185.22
Net Interest Income
398.25
+19.86%
332.27
-4.20%
346.84
+6.72%
325.01
Interest Expense
158.99
-14.96%
186.97
+31.57%
142.10
+782.45%
16.10
Interest Income
557.24
+7.32%
519.24
+6.20%
488.94
+43.34%
341.12
Gain On Sale Of Security
-71.63
-88.59%
-37.98
0.00
0.00
Tax Provision
28.45
+29.91%
21.90
-21.29%
27.82
-27.32%
38.28
Tax Rate For Calcs
0.00
-8.61%
0.00
+5.86%
0.00
+1.87%
0.00
Tax Effect Of Unusual Items
-0.05
-197.36%
0.05
+101.91%
-2.86
-193.57%
-0.97
Net Income Including Noncontrolling Interests
111.05
+45.70%
76.22
-26.81%
104.13
-29.13%
146.94
Net Income From Continuing Operation Net Minority Interest
111.05
+45.70%
76.22
-26.81%
104.13
-29.13%
146.94
Net Income From Continuing And Discontinued Operation
111.05
+45.70%
76.22
-26.81%
104.13
-29.13%
146.94
Net Income Continuous Operations
111.05
+45.70%
76.22
-26.81%
104.13
-29.13%
146.94
Normalized Income
111.26
+46.34%
76.02
-33.79%
114.82
-23.79%
150.66
Net Income Common Stockholders
110.43
+45.64%
75.82
-26.70%
103.45
-29.22%
146.16
Otherunder Preferred Stock Dividend
0.62
+58.57%
0.39
-42.92%
0.69
-12.07%
0.78
Diluted EPS
—
1.84
-27.27%
2.53
-38.52%
4.12
Basic EPS
—
1.85
-26.96%
2.53
-38.45%
4.12
Basic Average Shares
—
41.20
+0.21%
41.11
+15.14%
35.70
Diluted Average Shares
—
41.42
+0.64%
41.16
+15.28%
35.70
Diluted NI Availto Com Stockholders
110.43
+45.64%
75.82
-26.70%
103.45
-29.22%
146.16
Amortization
5.67
-14.11%
6.60
-17.48%
8.00
+117.24%
3.68
Amortization Of Intangibles Income Statement
5.67
-14.11%
6.60
-17.48%
8.00
+117.24%
3.68
Depreciation Amortization Depletion Income Statement
5.67
-14.11%
6.60
-17.48%
8.00
+117.24%
3.68
Depreciation And Amortization In Income Statement
5.67
-14.11%
6.60
-17.48%
8.00
+117.24%
3.68
Insurance And Claims
8.64
-2.52%
8.86
-4.28%
9.26
+89.38%
4.89
Occupancy And Equipment
20.43
-0.49%
20.54
-4.73%
21.55
+15.86%
18.60
Other Non Interest Expense
45.16
+4.18%
43.35
-7.91%
47.07
+28.64%
36.59
Professional Expense And Contract Services Expense
5.58
-10.17%
6.21
+14.75%
5.41
+24.34%
4.35
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
12,668.34
+4.29%
12,147.69
+0.27%
12,114.94
+14.02%
10,625.05
Cash And Cash Equivalents
309.60
-39.00%
507.51
+113.37%
237.85
-12.01%
270.32
Cash Financial
146.76
+86.73%
78.60
-22.10%
100.89
-0.24%
101.13
Other Short Term Investments
152.85
-92.52%
2,043.06
-6.68%
2,189.38
-5.41%
2,314.49
Receivables
39.21
+7.92%
36.33
-2.74%
37.35
+25.72%
29.71
Accounts Receivable
39.21
+7.92%
36.33
-2.74%
37.35
+25.72%
29.71
Net PPE
139.12
-3.02%
143.46
-4.97%
150.96
-1.28%
152.92
Gross PPE
216.16
-0.27%
216.75
-1.33%
219.67
+2.76%
213.77
Accumulated Depreciation
-77.04
-5.12%
-73.29
-6.66%
-68.71
-12.92%
-60.85
Land And Improvements
50.47
-1.14%
51.05
-2.65%
52.44
+15.61%
45.36
Buildings And Improvements
122.97
-2.12%
125.63
-1.84%
127.98
+11.40%
114.88
Machinery Furniture Equipment
36.81
+3.13%
35.70
+1.37%
35.21
+10.32%
31.92
Other Properties
2.45
-0.53%
2.46
+3.19%
2.38
-88.06%
19.96
Leases
3.46
+81.64%
1.91
+15.94%
1.64
+0.00%
1.64
Goodwill And Other Intangible Assets
495.98
-1.13%
501.65
-1.30%
508.26
+34.84%
376.94
Goodwill
478.75
+0.00%
478.75
+0.00%
478.75
+31.43%
364.26
Other Intangible Assets
17.23
-24.76%
22.90
-22.38%
29.51
+132.80%
12.68
Investments And Advances
2,561.66
-0.05%
2,563.06
-5.88%
2,723.06
-4.66%
2,856.19
Total Liabilities Net Minority Interest
11,014.17
+2.92%
10,702.08
-0.38%
10,742.56
+11.98%
9,593.45
Payables And Accrued Expenses
3.75
-18.61%
4.60
-19.21%
5.70
+108.14%
2.74
Payables
3.75
-18.61%
4.60
-19.21%
5.70
+108.14%
2.74
Accounts Payable
3.75
-18.61%
4.60
-19.21%
5.70
+108.14%
2.74
Long Term Debt And Capital Lease Obligation
-2.75
-118.93%
14.55
-95.21%
303.83
+27.76%
237.82
Long Term Debt
-2.75
-118.93%
14.55
-95.21%
303.83
+39.10%
218.43
Long Term Capital Lease Obligation
—
—
17.83
-8.03%
19.39
Preferred Securities Outside Stock Equity
77.32
+0.00%
77.32
+0.00%
77.32
+11.94%
69.08
Stockholders Equity
1,654.17
+14.43%
1,445.61
+5.34%
1,372.38
+33.03%
1,031.60
Common Stock Equity
1,654.17
+14.43%
1,445.61
+5.34%
1,372.38
+33.03%
1,031.60
Capital Stock
973.88
+0.26%
971.31
+0.76%
963.99
+32.94%
725.15
Common Stock
973.88
+0.26%
971.31
+0.76%
963.99
+32.94%
725.15
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
41.47
+0.29%
41.35
+0.58%
41.11
+15.14%
35.70
Ordinary Shares Number
41.47
+0.29%
41.35
+0.58%
41.11
+15.14%
35.70
Retained Earnings
829.66
+9.70%
756.33
+5.57%
716.42
+10.49%
648.42
Gains Losses Not Affecting Retained Earnings
-149.38
+47.04%
-282.03
+8.44%
-308.03
+9.93%
-341.98
Treasury Stock
—
—
1.39
-12.62%
1.58
Other Equity Adjustments
-149.38
+47.04%
-282.03
+8.44%
-308.03
+9.93%
-341.98
Total Equity Gross Minority Interest
1,654.17
+14.43%
1,445.61
+5.34%
1,372.38
+33.03%
1,031.60
Total Capitalization
1,651.41
+13.10%
1,460.16
-12.89%
1,676.21
+34.09%
1,250.03
Invested Capital
1,651.41
+13.10%
1,460.16
-12.89%
1,676.21
+34.09%
1,250.03
Total Debt
-2.75
-118.93%
14.55
-95.21%
303.83
+27.76%
237.82
Net Debt
—
—
65.98
—
Capital Lease Obligations
—
—
17.83
-8.03%
19.39
Net Tangible Assets
1,158.19
+22.69%
943.96
+9.24%
864.12
+32.00%
654.66
Tangible Book Value
1,158.19
+22.69%
943.96
+9.24%
864.12
+32.00%
654.66
Available For Sale Securities
1,895.71
+1199.44%
145.89
—
—
Cash Cash Equivalents And Federal Funds Sold
309.60
-39.00%
507.51
+113.37%
237.85
-12.01%
270.32
Held To Maturity Securities
513.10
-1.33%
520.00
-2.56%
533.68
-1.48%
541.70
Other Equity Interest
—
—
1.39
-12.62%
1.58
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
203.13
+16.22%
174.78
+33.02%
131.40
-43.03%
230.65
Cash Flow From Continuing Operating Activities
203.13
+16.22%
174.78
+33.02%
131.40
-43.03%
230.65
Net Income From Continuing Operations
111.05
+45.70%
76.22
-26.81%
104.13
-29.13%
146.94
Depreciation Amortization Depletion
14.93
-16.50%
17.88
-6.95%
19.21
+25.34%
15.33
Depreciation
8.12
-15.24%
9.57
-2.83%
9.85
+11.41%
8.85
Amortization Cash Flow
6.81
-17.95%
8.30
-11.28%
9.36
+44.34%
6.48
Depreciation And Amortization
14.93
-16.50%
17.88
-6.95%
19.21
+25.34%
15.33
Amortization Of Intangibles
6.81
-17.95%
8.30
-11.28%
9.36
+44.34%
6.48
Other Non Cash Items
-6.40
-118.93%
33.80
+261.41%
-20.94
-138.36%
54.59
Stock Based Compensation
3.76
-23.52%
4.92
-4.00%
5.12
+71.86%
2.98
Deferred Tax
30.92
+734.98%
-4.87
-522.63%
-0.78
+56.80%
-1.81
Deferred Income Tax
30.92
+734.98%
-4.87
-522.63%
-0.78
+56.80%
-1.81
Operating Gains Losses
68.74
+114.40%
32.06
+881.55%
-4.10
+42.85%
-7.18
Gain Loss On Investment Securities
71.63
+88.59%
37.98
0.00
0.00
Change In Working Capital
-30.61
-15958.03%
0.19
-98.41%
12.16
+632.59%
1.66
Change In Receivables
-2.88
-381.51%
1.02
+153.68%
-1.90
+50.08%
-3.81
Changes In Account Receivables
-2.88
-381.51%
1.02
+153.68%
-1.90
+50.08%
-3.81
Change In Payables And Accrued Expense
-0.86
+21.74%
-1.09
-142.46%
2.58
+21.02%
2.13
Change In Payable
-0.86
+21.74%
-1.09
-142.46%
2.58
+21.02%
2.13
Change In Account Payable
-0.86
+21.74%
-1.09
-142.46%
2.58
+21.02%
2.13
Change In Other Current Assets
-6.22
-15.27%
-5.40
-143.39%
12.44
+9.54%
11.35
Change In Other Current Liabilities
-20.65
-464.75%
5.66
+696.63%
-0.95
+88.15%
-8.01
Investing Cash Flow
-562.07
-431.28%
169.67
+188.66%
-191.37
+73.17%
-713.36
Cash Flow From Continuing Investing Activities
-562.07
-431.28%
169.67
+188.66%
-191.37
+73.17%
-713.36
Net PPE Purchase And Sale
3.01
+328.38%
-1.32
+61.81%
-3.45
+30.81%
-4.99
Purchase Of PPE
-4.25
-59.77%
-2.66
+39.90%
-4.42
+16.38%
-5.29
Sale Of PPE
7.25
+441.82%
1.34
+38.04%
0.97
+224.41%
0.30
Capital Expenditure
-4.25
-59.77%
-2.66
+39.90%
-4.42
+16.38%
-5.29
Net Investment Purchase And Sale
68.64
-50.70%
139.23
-48.39%
269.75
+287.40%
-143.94
Purchase Of Investment
-615.01
-22.58%
-501.72
-4493.23%
-10.92
+97.28%
-401.76
Sale Of Investment
683.65
+6.66%
640.95
+128.36%
280.67
+8.87%
257.81
Net Business Purchase And Sale
0.00
0.00
-100.00%
22.61
0.00
Net Other Investing Changes
4.94
-65.36%
14.26
+203.44%
-13.79
-128.72%
-6.03
Financing Cash Flow
161.03
+315.29%
-74.80
-371.92%
27.51
-90.58%
291.86
Cash Flow From Continuing Financing Activities
161.03
+315.29%
-74.80
-371.92%
27.51
-90.58%
291.86
Net Issuance Payments Of Debt
-18.05
+96.65%
-539.05
-277.90%
303.01
+37.81%
219.87
Issuance Of Debt
2.00
-99.80%
986.00
-70.55%
3,348.00
+167.41%
1,252.00
Repayment Of Debt
-20.05
+98.69%
-1,525.05
+49.92%
-3,044.99
-195.02%
-1,032.13
Long Term Debt Issuance
2.00
-99.80%
986.00
-70.55%
3,348.00
+167.41%
1,252.00
Long Term Debt Payments
-20.05
+98.69%
-1,525.05
+49.92%
-3,044.99
-195.02%
-1,032.13
Net Long Term Debt Issuance
-18.05
+96.65%
-539.05
-277.90%
303.01
+37.81%
219.87
Short Term Debt Issuance
—
—
—
220.00
Short Term Debt Payments
—
—
—
—
Net Short Term Debt Issuance
—
—
—
220.00
Net Common Stock Issuance
-0.99
0.00
0.00
0.00
Common Stock Payments
-0.99
0.00
0.00
0.00
Common Stock Dividend Paid
-37.28
-2.86%
-36.25
-3.75%
-34.94
-13.96%
-30.66
Cash Dividends Paid
-37.28
-2.86%
-36.25
-3.75%
-34.94
-13.96%
-30.66
Repurchase Of Capital Stock
-0.99
0.00
0.00
0.00
Proceeds From Stock Option Exercised
1.49
-63.58%
4.09
-9.40%
4.52
0.00
Net Other Financing Charges
-1.69
-0.06%
-1.69
-127.59%
-0.74
+11.55%
-0.84
Changes In Cash
-197.91
-173.40%
269.65
+930.64%
-32.46
+82.99%
-190.84
Beginning Cash Position
507.51
+113.37%
237.85
-12.01%
270.32
-41.38%
461.16
End Cash Position
309.60
-39.00%
507.51
+113.37%
237.85
-12.01%
270.32
Free Cash Flow
198.89
+15.55%
172.12
+35.56%
126.97
-43.66%
225.37
Interest Paid Supplemental Data
159.16
-14.84%
186.89
+37.72%
135.70
+848.18%
14.31
Income Tax Paid Supplemental Data
11.02
-67.10%
33.50
+12.67%
29.73
-25.14%
39.72
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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