First Bancorp /Nc/
FBNC Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$64.44
KIRA · Stoqly’s AI analyst, in plain words
- First Bancorp /Nc/ had $67.6M of revenue in fiscal 2025, down 3.6% on the year before. Over five years, revenue changed −25.7% a year on average.
- First Bancorp /Nc/ made $111M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 8.1% a year.
- First Bancorp /Nc/ returned $38.3M to shareholders in fiscal 2025, 19% of free cash flow. The diluted share count rose 0.3%.
- It earned 7.2% on shareholders’ money. Running costs took 353.9% of revenue (the efficiency ratio; lower is better).
Market cap
$2.7B
P/E
20.0x
Revenue
$67.6M
Net income
$111M
Return on equity
7.2%
Efficiency ratio
353.9%
First Bancorp /Nc/ in 30 seconds · fiscal 2025
Are sales growing?
−3.6%
No. Sales fell 3.6% last year.
Does it make a profit?
164.2%
Yes. It keeps 164.2% of every sale as profit.
How lean are its costs?
353.9%
Costly. Running costs take 353.9% of revenue.
How much does it earn on its capital?
7.2%
Low. It earns 7.2% a year on shareholders’ money.
How is the share priced?
20.0x
One share costs 20.0 times its yearly profit per share.
What First Bancorp /Nc/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Legal name
- FIRST BANCORP /NC/
- CIK
- 0000811589
First Bancorp /Nc/ · FBNC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $25.3M | $17.4M | $32.8M | $70.1M | $67.6M |
| Revenue growth | −91.5% | −31.1% | 88.1% | 113.7% | −3.6% |
| Net interest income | $246M | $325M | $347M | $332M | $398M |
| Net income | $95.6M | $147M | $104M | $76.2M | $111M |
| Net margin | 377.7% | 842.1% | 317.3% | 108.7% | 164.2% |
| Diluted EPS | $3.19 | $4.12 | $2.53 | $1.84 | $2.68 |
| Cash | |||||
| Cash from operations | $142M | $231M | $131M | $175M | $203M |
| Capital expenditure | $9.4M | $5.3M | $4.4M | $2.7M | $4.2M |
| Free cash flow | $133M | $225M | $127M | $172M | $199M |
| FCF margin | 524.9% | 1,291.6% | 386.9% | 245.5% | 294.1% |
| Dividends paid | $22.2M | $30.7M | $34.9M | $36.2M | $37.3M |
| Share buybacks | $4.0M | $0.0M | $0.0M | $0.0M | $1.0M |
| Share count change | 3.6% | 18.8% | 15.4% | 0.4% | 0.3% |
| Debt and strength | |||||
| Cash and short-term investments | $461M | $270M | $238M | $508M | $310M |
| Debt incl. finance leases | $67.4M | $508M | $1.2B | $91.9M | $74.6M |
| Loans, net | $6.0B | $6.6B | $8.0B | $8.0B | $8.6B |
| Deposits | $9.1B | $9.2B | $10.0B | $10.5B | $10.7B |
| Shareholders' equity | $1.2B | $1.0B | $1.4B | $1.4B | $1.7B |
| Returns and quality | |||||
| Return on equity | 9.0% | 13.0% | 8.7% | 5.4% | 7.2% |
| Return on tangible equity | 11.2% | 22.3% | 12.0% | 8.0% | 9.5% |
| Efficiency ratio | 729.2% | 1,118.9% | 775.2% | 336.0% | 353.9% |
| Piotroski F-score | 4 | 4 | 4 | 5 | 5 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$4.9M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First Bancorp /Nc/ · FBNC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $64.44 a share, the company is worth $2.7B: 20.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000811589). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.