FIRST BANCORP /NC/

FBNC

FIRST BANCORP /NC/

FBNC

Insider Sentiment (TTM):

Last Purchase:2025-07-24Last Sale:2026-05-20Shares Purchased (TTM):0Shares Sold (TTM):58,966

Institutional Sentiment:

As of:N/AInstitutional Shares Owned:N/AShares Outstanding:N/AInstitutional Ownership Pct.:N/A

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	128	135	147	138	139	150	79	74	90	87	101	95
Interest Bearing Deposits In Banks	422	463	163	460	572	623	429	670	518	267	137	178
Cash Cash Equivalents And Federal Funds Sold	550	598	310	598	711	772	508	744	608	354	238	274
Debt Securities Available For Sale Excluding Accru…	1,939	1,980	2,049	2,166	2,145	2,065	2,043	1,907	1,867	2,088	2,189	2,100
Debt Securities Held To Maturity Excluding Accrued…	510	511	513	515	516	518	520	522	524	526	534	535
Financing Receivable Excluding Accrued Interest Be…	-	8,794	8,722	8,419	8,226	8,103	8,095	8,014	8,070	8,077	8,150	8,027
Financing Receivable Allowance For Credit Loss Exc…	-	-125	-124	-121	-121	-121	-123	-123	-110	-110	-110	-108
Financing Receivable Excluding Accrued Interest Af…	-	8,669	8,599	8,298	8,105	7,982	7,972	7,891	7,960	7,966	8,040	7,919
Property Plant And Equipment Net	138	139	139	141	142	142	143	145	147	151	151	152
Operating Lease Right Of Use Asset	-	-	-	-	-	-	-	-	-	17	17	18
Interest Receivable	38	37	39	36	37	35	36	33	36	35	37	34
Goodwill	479	479	479	479	479	479	479	479	479	479	479	479
Intangible Assets Net Excluding Goodwill	15	16	17	19	20	21	23	24	26	31	30	35
Bank Owned Life Insurance	196	195	193	192	191	190	188	187	186	185	184	183
Other Assets	300	312	323	303	254	226	229	211	221	254	231	241
Assets	13,042	12,948	12,668	12,750	12,608	12,436	12,148	12,153	12,061	12,092	12,115	11,978
Liabilities And Stockhold…
Liabilities
Noninterest Bearing Deposit Liabilities Domestic	-	-	3,487	-	-	-	3,368	-	-	-	3,380	-
Noninterest Bearing Domestic Deposit Demand	3,598	3,597	3,487	3,581	3,543	3,477	3,368	3,350	3,340	3,362	3,380	3,503
Interest Bearing Deposit Liabilities Domestic	-	-	7,261	-	-	-	7,163	-	-	-	6,652	-
Interest Bearing Deposit Liabilities	-	-	-	-	-	-	-	-	-	-	6,652	-
Interest Bearing Domestic Deposit Checking	7,487	7,416	-	7,301	7,288	7,268	-	7,155	7,148	6,941	-	6,732
Deposits	11,085	11,012	10,748	10,881	10,830	10,745	10,531	10,505	10,488	10,303	10,032	10,235
Long Term Debt	75	75	75	92	92	92	92	92	92	332	630	402
Interest Payable Current And Noncurrent	4	4	4	4	4	5	5	6	6	10	6	6
Operating Lease Liability	-	-	-	-	-	-	-	-	-	17	18	18
Other Liabilities	162	174	187	169	125	86	75	74	71	53	75	59
Liabilities	11,325	11,265	11,014	11,147	11,052	10,928	10,702	10,676	10,656	10,715	10,743	10,720
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	967	969	974	973	973	971	971	970	967	965	964	963
Retained Earnings Accumulated Deficit	907	866	830	823	813	784	756	762	752	733	716	696
Common Stock Held In Trust	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1
Accumulated Other Comprehensive Income Loss Net Of…	-157	-152	-149	-193	-230	-247	-282	-255	-315	-322	-308	-401
Stockholders Equity	1,716	1,683	1,654	1,603	1,556	1,508	1,446	1,478	1,404	1,376	1,372	1,258
Liabilities And Stockholders Equity	13,042	12,948	12,668	12,750	12,608	12,436	12,148	12,153	12,061	12,092	12,115	11,978
Debt Securities Available For Sale Amortized Cost …	2,144	2,177	2,243	2,417	2,444	2,386	2,411	2,239	-	-	2,590	-
Held To Maturity Securities Fair Value	443	441	448	443	431	431	429	448	431	437	450	410
Preferred Stock Shares Authorized	5	5	5	5	5	5	5	5	5	5	5	5
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	60	60	60	60	60	60	60	60	60	60	60	60
Common Stock Shares Issued	41	41	41	41	41	41	41	41	41	41	41	41
Shares Outstanding	41	41	41	41	41	41	41	41	41	41	41	41

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10‑Q10‑K

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Interactive Financial Visualizations

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.59%	7.35%	6.41%	-	-	-	-	-	-	-	-	-
2025	-1.03%	4.67%	20.56%	11.39%	8.53%	0.54%	-0.18%	1.90%	13.56%	-12.46%	-0.73%	-4.30%
2024	-0.88%	1.00%	36.65%	11.20%	8.12%	7.75%	0.30%	-5.85%	-6.36%	-1.12%	-8.92%	3.86%
2023	-	-	-	-6.80%	-13.50%	-14.27%	7.28%	21.53%	15.68%	4.41%	-3.08%	-2.21%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.61	-0.63	-0.65	-0.66	-0.65	-0.33	0.08	0.83	1.81	1.88	1.93	2.34
Per Share Metrics
Diluted EPS TTM	3.22	2.93	2.68	2.38	2.35	2.11	1.84	2.47	2.75	2.77	2.53	2.74
Free Cash Flow Per Share TTM	5.51	4.99	4.83	5.17	4.93	5.99	4.20	3.44	3.17	1.69	3.12	3.43
Dividend Per Share TTM	0.94	0.91	0.91	0.89	0.88	0.88	0.88	0.88	0.88	0.88	0.86	0.83
Margin Metrics
Gross Profit Margin TTM	73.82%	72.75%	71.47%	69.76%	67.78%	65.84%	63.99%	52.03%	53.14%	55.13%	58.90%	76.55%
Operating Profit Margin TTM	28.56%	26.76%	25.03%	23.71%	23.64%	21.53%	18.90%	25.10%	28.46%	28.97%	26.99%	31.31%
Net Profit Margin TTM	23.03%	21.39%	19.93%	18.11%	18.23%	16.63%	14.68%	19.93%	22.44%	22.92%	21.30%	24.79%
Growth Metrics
Net Revenue Growth (1Y)	8.52%	7.95%	7.32%	6.30%	5.36%	5.39%	6.20%	12.81%	20.56%	31.49%	43.40%	40.50%
Net Income Growth (1Y)	37.09%	38.87%	45.70%	-3.37%	-14.40%	-23.54%	-26.81%	-9.35%	-6.11%	-10.84%	-29.13%	-5.15%
EPS Growth (1Y)	37.03%	38.47%	45.08%	-4.00%	-15.00%	-24.07%	-27.30%	-9.85%	-6.48%	-11.41%	-38.28%	-17.43%
Valuation Metrics
P/E TTM	19.76	19.09	18.69	21.78	18.36	18.49	23.02	16.12	11.06	12.34	13.76	9.59
P/B TTM	1.53	1.38	1.25	1.34	1.15	1.07	1.21	1.12	0.89	1.02	1.04	0.86
P/S TTM	4.55	4.08	3.72	3.95	3.35	3.07	3.38	3.21	2.48	2.83	2.93	2.38
Market Cap	2.63B	2.32B	2.08B	2.15B	1.78B	1.61B	1.75B	1.65B	1.26B	1.41B	1.43B	1.08B
Enterprise Value	2.16B	1.79B	1.84B	1.65B	1.17B	934.42M	1.34B	996.58M	739.38M	1.39B	1.82B	1.21B
Calculated Values
Free Cash Flow TTM	226.98M	205.85M	198.89M	213.13M	202.91M	246.21M	172.12M	140.84M	129.58M	68.97M	126.98M	139.94M
Net Debt	-475.62M	-523.35M	-235.03M	-505.55M	-619.05M	-680.39M	-415.63M	-652.75M	-516.90M	-21.51M	392.30M	128.25M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-20Sale

Owner: Mayer, Michael Goodwin

Title: -

Shares: 44,324

Price/Share: $58.58

Value: $2,596,499.92

Shares Owned: 41,491

Relationship: Director

Ownership: Direct

2026-02-04Sale

Owner: Crawford, James C Iii

Title: -

Shares: 4,500

Price/Share: $60.57

Value: $272,565.00

Shares Owned: 60,700

Relationship: Director

Ownership: Direct

2026-02-03Sale

Owner: Capel, Mary Clara

Title: -

Shares: 5,000

Price/Share: $59.31

Value: $296,550.00

Shares Owned: 20,400

Relationship: Other

Ownership: Direct

2026-01-30Sale

Owner: Capel, Mary Clara

Title: -

Shares: 2,642

Price/Share: $57.75

Value: $152,575.50

Shares Owned: 25,400

Relationship: Other

Ownership: Direct

2026-01-28Sale

Owner: Capel, Mary Clara

Title: -

Shares: 2,500

Price/Share: $57.21

Value: $143,025.00

Shares Owned: 28,042

Relationship: Other

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-20	Mayer, Michael Goodwin	Director	-	Direct	Sale	44,324	58.58	$2,596,499.92	41,491	4
2026-02-04	Crawford, James C Iii	Director	-	Direct	Sale	4,500	60.57	$272,565.00	60,700	4
2026-02-03	Capel, Mary Clara	Other	-	Direct	Sale	5,000	59.31	$296,550.00	20,400	4
2026-01-30	Capel, Mary Clara	Other	-	Direct	Sale	2,642	57.75	$152,575.50	25,400	4
2026-01-28	Capel, Mary Clara	Other	-	Direct	Sale	2,500	57.21	$143,025.00	28,042	4
2025-08-15	Crawford, James C Iii	Director	-	Direct	Sale	3,475	53.10	$184,522.50	65,200	4
2025-07-24	Donnelly, Abby Jill	Director	-	Direct	Purchase	46	49.42	$2,280.24	10,567	4
2025-05-22	Taylor, Frederick Leslie	Director	-	Direct	Purchase	5,800	41.16	$238,728.00	38,445	4
2025-05-12	Mayer, Michael Goodwin	Officer	President	Direct	Sale	3,000	42.96	$128,880.00	110,238	4
2024-11-26	Crawford, James C Iii	Director	-	Direct	Sale	5,573	49.22	$274,303.06	67,752	4
2024-09-23	Deferie, Suzanne S	Director	-	Direct	Sale	2,036	43.77	$89,115.72	65,618	4
2024-08-30	Potter, J Randolph	Director	-	Direct	Sale	5,000	42.48	$212,400.00	3,001	4
2024-07-26	Garrett, Mason Y	Director	-	Direct	Sale	22,800	43.41	$989,748.00	196,416	4
2024-06-26	Capel, Mary Clara	Director	-	Direct	Sale	1,015	30.05	$30,500.75	11,569	4
2024-06-24	Mclamb, Carlie C Jr	Director	-	Indirect	Purchase	811	30.47	$24,711.17	33,139	4
2024-03-15	Mclamb, Carlie C Jr	Director	-	Indirect	Purchase	306	33.84	$10,355.04	31,876	4
2024-02-14	Capel, Mary Clara	Director	-	Direct	Sale	500	33.82	$16,910.00	11,395	4
2023-12-04	Potter, J Randolph	Director	-	Direct	Sale	1,221	32.78	$40,024.38	1,812	4
2023-09-27	Bostian, Elizabeth B	Officer	Chief Financial Officer	Direct	Purchase	356	28.05	$9,985.80	11,797	4
2023-09-25	Moore, Richard H	Director,Officer	Chief Executive Officer	Direct	Purchase	1,000	27.51	$27,510.00	161,174	4
2023-09-22	Mclamb, Carlie C Jr	Director	-	Indirect	Purchase	940	27.15	$25,521.00	30,402	4
2023-09-22	Mayer, Michael Goodwin	Officer	President	Direct	Purchase	500	26.96	$13,480.00	104,035	4
2023-09-07	Capel, Mary Clara	Director	-	Direct	Sale	903	27.97	$25,256.91	11,895	4
2023-08-30	Garrett, Mason Y	Director	-	Direct	Sale	41,667	29.56	$1,231,676.52	226,308	4
2023-08-29	Garrett, Mason Y	Director	-	Direct	Sale	61,215	29.88	$1,829,104.20	267,975	4
2023-06-27	Mclamb, Carlie C Jr	Director	-	Indirect	Purchase	1,176	31.10	$36,573.60	29,462	4
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No institutional ownership data available.

FIRST BANCORP /NC/ (FBNC) — SEC Financial Statements & Analysis

FIRST BANCORP /NC/ (FBNC) is a state commercial banks company, incorporated in NC. FIRST BANCORP /NC/ trades on Nasdaq as: FBNC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FIRST BANCORP /NC/ reported a 8.52% year-over-year revenue growth, a Gross Profit Margin of 73.82% (TTM), a Price-to-Sales (P/S) ratio of 4.55x (TTM), a Price-to-Book (P/B) ratio of 1.53x (TTM), at a market cap of $2.63B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 8.52%
Gross Profit Margin TTM: 73.82%
P/S TTM: 4.55x
P/B TTM: 1.53x
Market Cap: $2.63B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FIRST BANCORP /NC/ in?

FIRST BANCORP /NC/ (FBNC) operates in the State Commercial Banks industry.

What is FBNC's market cap?

FIRST BANCORP /NC/ (FBNC) has a market capitalization of $2.63B as of 2026-06-30.

What is FBNC's P/E ratio?

FIRST BANCORP /NC/ (FBNC)'s trailing twelve month P/E ratio is 19.76x as of 2026-06-30.

What exchange does FBNC trade on?

FIRST BANCORP /NC/ (FBNC) trades on the Nasdaq.

Where is FIRST BANCORP /NC/ incorporated?

FIRST BANCORP /NC/ is incorporated in NC.

FIRST BANCORP /NC/

Financial Statements

Custom Table

Interactive Financial Visualizations

Earnings Market Reaction

Performance and Valuation Metrics

Insider Transactions

FIRST BANCORP /NC/ (FBNC) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in State Commercial Banks

Wall Street's data.
Main Street's price.

FIRST BANCORP /NC/ (FBNC) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in State Commercial Banks

Wall Street's data.Main Street's price.

Wall Street's data.
Main Street's price.