First Bancorp (FBNC) stock
FBNCNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 2, 2026Score 15/3024% above fair value
$64.50−0.30 (-0.46%)
Close on Nov 13, 2026Market cap $2.67BP/E 16.2Yield 1.41%
First Bancorp statistics
91 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 20, 2027 (estimated, after the close)
- Last ex-dividend date
- Sep 30, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.19
- 1.52
- P/OCF Ratio
- 9.38
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 4.78
- 2.95
- EV / FCF
- 8.01
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- -0.03%
- 0.33%
- Shares Change (QoQ)
- 0.06%
- 0.00%
- Float
- 41M
- 17M
- Shares Held by Insiders
- 1.26%
- 6.05%
- Shares Held by Institutions
- 82.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 2M
- –
- Short Interest Change
- -1.53%
- -4.13%
- Short % of Float
- 5.08%
- 3.58%
- Short % of Shares Outstanding
- 5.01%
- 3.18%
- Days to Cover
- 10.12
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $67.74
- –
- 52-Week Low
- $47.83
- –
- 20-Day Moving Average
- $64.08
- –
- 50-Day Moving Average
- $62.91
- –
- 200-Day Moving Average
- $60.93
- –
- Average True Range (14)
- $1.58
- –
- Price Change (1 Week)
- -0.15%
- 0.69%
- Price Change (1 Month)
- 6.91%
- 3.79%
- Price Change (3 Months)
- -2.45%
- -2.72%
- Price Change (6 Months)
- 12.4%
- 12.2%
- Price Change (YTD)
- 27.0%
- 19.9%
- Price Change (1 Year)
- 27.0%
- 25.7%
- Price Change (3 Years)
- 98.9%
- 65.1%
- Price Change (5 Years)
- 28.1%
- 26.9%
- Price Change (10 Years)
- 193.2%
- 66.8%
- Average Volume (10 Days)
- 244,300
- –
- Average Volume (20 Days)
- 229,571
- –
- Average Volume (90 Days)
- 223,229
- –
- Relative Volume
- 0.72
- 0.68
- Relative Strength Index (14)
- 53.8
- 53.1
- Volatility (1 Year)
- 25.7%
- 24.4%
- Beta (5 Years)
- 0.76
- 0.63
MarginsIndustry
- Pretax Margin
- 44.0%
- 37.0%
- FCF Margin
- 59.7%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 9.90%
- 10.7%
- Return on Assets (ROA)
- 1.27%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 24.6%
- 11.7%
- Net Income Growth (YoY)
- 66.0%
- 22.6%
- EPS Growth (YoY)
- 66.1%
- 21.6%
- FCF Growth (YoY)
- 29.8%
- 27.2%
- Revenue Growth (3Y CAGR)
- 57.1%
- 5.82%
- Revenue Growth (5Y CAGR)
- -25.7%
- 6.17%
- EPS Growth (3Y CAGR)
- -13.4%
- 1.31%
- EPS Growth (5Y CAGR)
- -0.94%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $11.04M
- $358.92K
- Profits Per Employee
- $3.91M
- $110.51K
- Employee Count
- 42
- 492
- WACC
- 8.90%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $203.93M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $451.71M
- $165.09M
- Net Cash Per Share
- $10.92
- $8.07
- Equity (Book Value)
- $1.71B
- $570.13M
- Book Value Per Share
- $41.41
- $28.12
- Tangible Book Value
- $1.22B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$7.62M
- -$4.24M
- FCF Per Share
- $6.69
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 6.15%
- 8.29%
- FCF Yield
- 10.4%
- 9.18%
- Dividend Yield
- 1.41%
- 2.44%
- Buyback Yield
- 0.27%
- 1.82%
- Shareholder Yield
- 1.68%
- 3.26%
- Dividend Per Share
- $0.91
- $0.92
- Dividend Growth (YoY)
- 3.41%
- 4.26%
- Years of Dividend Growth
- 1
- 2
- Payout Ratio
- 23.7%
- 28.5%
- FCF Payout Ratio
- 14.1%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $39.76M
- $16.14M
- Effective Tax Rate
- 19.5%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $60.82
- $45.07
- Graham Upside
- -5.71%
- 18.8%
- Altman Z-Score
- 0.28
- 0.22
- Piotroski F-Score
- 5
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | FBNC | S&P 500 | Difference | FBNC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +7.8% | -3.0% | +10.8 pts | ||
| 3 months | -2.1% | -2.8% | +0.7 pts | ||
| Year to date | +28.5% | +11.5% | +17.0 pts | ||
| 1 year | +31.2% | +13.5% | +17.7 pts | ||
| 3 years | +130.7% | +77.7% | +53.0 pts | +32.1% | +21.1% |
| 5 years | +42.8% | +72.6% | −29.8 pts | +7.4% | +11.5% |
| 10 years | +256.8% | +308.2% | −51.3 pts | +13.6% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
2M FBNC shares were sold short on Oct 30, 2026, down 1.5% from the previous report, or 5.08% of the shares available to trade. At recent volumes it would take 10.1 days to buy them back. Over the last 20 sessions, 72.8% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 2,074,016 | -1.5% | 204,977 | 10.1 |
| Oct 15, 2026 | 2,106,268 | -8.0% | 209,744 | 10.0 |
| Sep 30, 2026 | 2,290,031 | +4.0% | 288,599 | 7.9 |
| Sep 15, 2026 | 2,202,810 | +2.3% | 173,916 | 12.7 |
| Aug 31, 2026 | 2,154,211 | +3.5% | 163,378 | 13.2 |
| Aug 14, 2026 | 2,080,631 | +3.7% | 187,761 | 11.1 |
| Jul 31, 2026 | 2,007,273 | -5.0% | 295,337 | 6.8 |
| Jul 15, 2026 | 2,112,704 | -1.0% | 209,288 | 10.1 |
| Jun 30, 2026 | 2,134,874 | +8.5% | 399,695 | 5.3 |
| Jun 15, 2026 | 1,966,997 | +2.8% | 188,415 | 10.4 |
| May 29, 2026 | 1,914,100 | -2.0% | 185,911 | 10.3 |
| May 15, 2026 | 1,953,486 | -3.0% | 197,785 | 9.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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