NASDAQ: FBNC
First Bancorp Stock

$40.52+0.16 (+0.4%)
Updated Mar 21, 2025
FBNC Price
$40.52
Fair Value Price
$47.97
Market Cap
$1.68B
52 Week Low
$29.53
52 Week High
$50.34
P/E
21.9x
P/B
1.16x
P/S
5.41x
PEG
0.35x
Dividend Yield
1.63%
Revenue
$333.72M
Earnings
$76.22M
Gross Margin
100%
Operating Margin
29.4%
Profit Margin
22.8%
Debt to Equity
7.4
Operating Cash Flow
$175M
Beta
1.04
Next Earnings
Apr 22, 2025
Ex-Dividend
N/A
Next Dividend
N/A

FBNC Overview

First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and small to medium-sized businesses primarily in North Carolina and northeastern South Carolina. It accepts deposit products, such as checking, savings, and money market accounts, as well as time deposits, including certificate of deposits and individual retirement accounts. The company also offers loans for a range of consumer and commercial purposes comprising loans for business, real estate, personal, home improvement, and automobiles, as well as residential mortgages and small business administration loans; and accounts receivable financing and factoring, inventory financing, and purchase order financing services. In addition, it provides credit and debit cards, letter of credits, and safe deposit box rental services, as well as electronic funds transfer services consisting of wire transfers; and internet and mobile banking, cash management, bank-by-phone services, and remote deposit capture services. Further, the company offers investment and insurance products, such as mutual funds, annuities, long-term care insurance, life insurance, and company retirement plans, as well as property and casualty insurance products; and financial planning services. As of December 31, 2021, it operated 121 branches comprising 114 branch offices located in North Carolina and seven branches in South Carolina. First Bancorp was founded in 1934 and is headquartered in Southern Pines, North Carolina.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine FBNC's potential to beat the market

DSell
  • Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More

Zen Rating Component Grades

B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
FBNC
Ranked
#279 of 292

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FBNC News

Overview

Due Diligence Score

Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how FBNC scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

FBNC ($40.52) is undervalued by 15.53% relative to our estimate of its Fair Value price of $47.97 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
FBNC ($40.52) is not significantly undervalued (15.53%) relative to our estimate of its Fair Value price of $47.97 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
FBNC ($40.52) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more FBNC due diligence checks available for Premium users.

Valuation

FBNC fair value

Fair Value of FBNC stock based on Discounted Cash Flow (DCF)

Price
$40.52
Fair Value
$47.97
Undervalued by
15.53%
FBNC ($40.52) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FBNC ($40.52) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FBNC ($40.52) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FBNC price to earnings (PE)

For valuing profitable companies with steady earnings

Company
21.9x
Industry
12.99x
Market
31.55x
FBNC is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FBNC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

FBNC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.16x
Industry
1.12x
FBNC is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FBNC price to earnings growth (PEG)

For valuing profitable companies with growth potential

FBNC is good value based... subscribe to Premium to read more.
PEG Value Valuation

FBNC's financial health

Profit margin

Revenue
$65.2M
Net Income
$3.6M
Profit Margin
5.4%
FBNC's Earnings (EBIT) of $98.12M... subscribe to Premium to read more.
Interest Coverage Financials
FBNC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$12.1B
Liabilities
$10.7B
Debt to equity
7.4
FBNC's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
FBNC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$68.7M
Investing
-$321.6M
Financing
$15.9M
FBNC's operating cash flow ($174.78M)... subscribe to Premium to read more.
Debt Coverage Financials

FBNC vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
FBNCD$1.68B+0.40%21.90x1.16x
NICD$1.69B-1.57%13.46x1.44x
CUBID$1.62B+0.62%9.76x0.88x
CHCOD$1.73B+0.44%14.93x2.37x
MBINC$1.75B-1.80%6.05x0.78x

First Bancorp Stock FAQ

What is First Bancorp's quote symbol?

(NASDAQ: FBNC) First Bancorp trades on the NASDAQ under the ticker symbol FBNC. First Bancorp stock quotes can also be displayed as NASDAQ: FBNC.

If you're new to stock investing, here's how to buy First Bancorp stock.

What is the 52 week high and low for First Bancorp (NASDAQ: FBNC)?

(NASDAQ: FBNC) First Bancorp's 52-week high was $50.34, and its 52-week low was $29.53. It is currently -19.51% from its 52-week high and 37.22% from its 52-week low.

How much is First Bancorp stock worth today?

(NASDAQ: FBNC) First Bancorp currently has 41,359,298 outstanding shares. With First Bancorp stock trading at $40.52 per share, the total value of First Bancorp stock (market capitalization) is $1.68B.

First Bancorp stock was originally listed at a price of $15.56 in Dec 31, 1997. If you had invested in First Bancorp stock at $15.56, your return over the last 27 years would have been 160.48%, for an annualized return of 3.61% (not including any dividends or dividend reinvestments).

How much is First Bancorp's stock price per share?

(NASDAQ: FBNC) First Bancorp stock price per share is $40.52 today (as of Mar 21, 2025).

What is First Bancorp's Market Cap?

(NASDAQ: FBNC) First Bancorp's market cap is $1.68B, as of Mar 24, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

First Bancorp's market cap is calculated by multiplying FBNC's current stock price of $40.52 by FBNC's total outstanding shares of 41,359,298.
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