FBNC
First Bancorp
| Exchange: | NASDAQ |
| Market Cap: | 2.448B |
| Shares Outstanding: | 19.955M |
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | Richard Hancock Moore | |||||
| Full Time Employees: | 1374 | |||||
| Address: |
| |||||
| Website: | https://localfirstbank.com |
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Revenue Segmentation
FBNC full analysis
Welcome to MARKETSNAP’s SWOT analysis for First Bancorp, also known by its ticker FBNC. If you’re not familiar with this name, let me give you the quick rundown. First Bancorp is a regional bank holding company based in the U.S., operating primarily in the financial services sector within the banking industry. They provide a range of banking and financial solutions, mostly focused on community banking, serving customers through a network of branches. With a solid footprint in their market, they’re…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| FBNC | First Bancorp | 2.4B | 18.4 | 12.9 | -0.5% |
 FRME | First Merchants Corporation | 2.4B | 12.5 | 12.1 | 4.1% |
 BUSE | First Busey Corporation | 2.4B | 10.4 | 11.4 | 2.3% |
 CLBK | Columbia Financial, Inc. | 2.4B | 41.5 | 38.6 | 0.4% |
 CUBI | Customers Bancorp, Inc. | 2.5B | 8.7 | 8.8 | 1.1% |
 BBAR | Banco BBVA Argentina S.A. | 2.6B | 14.2 | 7.3 | 1.1% |
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
No earnings call materials on file for this symbol yet.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 541,111 | 530,812 | 543,124 |
| Gross Profit | 381,197 | 327,397 | 380,808 |
| EBITDA | 151,169 | 115,995 | 159,161 |
| Operating Income | 131,956 | 98,117 | 144,232 |
| Net Income | 104,131 | 76,215 | 111,048 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 12,114,942 | 12,147,694 | 12,668,339 |
| Total Liabilities | 10,742,562 | 10,702,083 | 11,014,171 |
| Total Stockholders Equity | 1,372,380 | 1,445,611 | 1,654,168 |
| Total Debt | 321,667 | 106,430 | 74,569 |
| Cash and Cash Equivalents | 237,855 | 507,507 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 131,396 | 174,781 | 0 |
| Capital Expenditure | -4,421 | -2,657 | 0 |
| Free Cash Flow | 126,975 | 172,124 | 0 |
| Net Income | 104,131 | 76,215 | 111,048 |
| Net Change in Cash | -32,463 | 269,652 | -507,507 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 596,910.897 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 626,358.502 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 611,634.700 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 284,468.102 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 314,265.935 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 299,367.019 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 215,930.118 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 239,471.501 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 227,700.810 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 179,552.037 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 188,409.937 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 183,980.987 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 5.510 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 5.790 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 5.220 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 2 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 2 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: FBNC demonstrates consistent revenue and net income growth as per the latest income statements, supported by positive operating cash flow and free cash flow trends from the cash flow statements. This indicates operational efficiency and financial stability.
- Strong Profitability Metrics: The company exhibits healthy gross profit margin and net profit margin (TTM) from key metrics, reflecting effective cost management and profitability compared to industry benchmarks.
- Stable Dividend Yield: A competitive dividend yield (TTM) as reported in key metrics, alongside a history of dividend payments, positions FBNC as an attractive option for income-focused investors.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates FBNC intrinsic value between $20.16 – $44.35 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about FBNC valuation
Is First Bancorp (FBNC) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for First Bancorp (FBNC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FBNC a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FBNC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FBNC’s P/E ratio?
You can see FBNC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FBNC?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FBNC a good long-term investment?
Whether FBNC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
Trading Metrics:
| Open: | 59.47 | Previous Close: | 59.73 | |
| Day Low: | 59.07 | Day High: | 59.6 | |
| Year Low: | 45.96 | Year High: | 66.78 | |
| Price Avg 50: | 63.66 | Price Avg 200: | 59.85 | |
| Volume: | 105727 | Average Volume: | 242090 |
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