FBNC · First Bancorp /Nc/
$64.47
-1.62 (-2.45%)
At close · Aug 19
Market Cap
$2.68B
Shares
41.37M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$64.47
Open$66.09
Day$64.36–66.29
52W close$46.32–66.34
Avg vol 30d234K
Short int2.0M · 4.9% float · 6.8d
Short vol83%
Last earningsJul 22, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+12%
above
Price vs 50-day avg
+2%
above
RSI (14)
50
neutral
MACD trend
Positive
52-week position
91%
near high
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+7%
trailing
YTD return
+27%
this year
Relative strength
−4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $64 › 200d $58 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +24 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.85% of float · ▼ -5.0% MoM · 6.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
239 holders — near 3-yr high, broad support
Squeeze score
71
high risk · 0–100
Fundamentals
Revenue growth
−4%
Y/Y
EPS growth
+46%
Y/Y
Free cash flow
$198.9M
Valuation
P/E 20.1
rich
Balance sheet
$388.3M
net cash
Quant / Vol
risk profile
Volatility
27%
annualized · 1-yr
Max drawdown
−17%
past year
ATR
2.0%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+12%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
50
Neutral
MACD trend
Positive
Bullish
52-week position
91%
Bullish
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $64 › 200d $58 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +24 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.85% of float · ▼ -5.0% MoM · 6.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
239 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $46
Now $64 · 91%
Range high $66
vs 200-day avg +12%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL coverage ratio | 1.39% | Q2 2026 | — |
| Adjusted efficiency ratio non-GAAP | 49.12% | Q2 2026 | — |
| Adjusted ROA non-GAAP | 1.56% | Q2 2026 | — |
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| Adjusted ROCE non-GAAP | 11.89% | Q2 2026 | — |
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| Adjusted ROTCE non-GAAP | 16.88% | Q2 2026 | — |
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| Annualized net charge-offs | 0.04% | Q2 2026 | — |
| Book value per share | $41.49 | Q2 2026 | — |
| Brokered deposits | $5M | Q2 2026 | — |
| Efficiency ratio | 49.12% | Q2 2026 | — |
| Loan-to-deposit ratio | 81.1% | Q2 2026 | — |
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| NIM | 3.71% | Q2 2026 | — |
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| Nonperforming Loan Ratio | 0.49% | Q2 26 | — |
| NPA/Assets ratio | 0.34% | Q2 2026 | — |
| ROA | 1.56% | Q2 2026 | — |
| ROCE | 11.89% | Q2 2026 | — |
| ROTCE non-GAAP | 16.88% | Q2 2026 | — |
| Tangible book value per share non-GAAP | $29.84 | Q2 2026 | — |
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| Tangible common equity to tangible assets non-GAAP | 9.83% | Q2 2026 | — |
| Total cost of deposits | 1.31% | Q2 2026 | — |
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| Total cost of funds | 1.34% | Q2 2026 | — |
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| Total deposits | $11.1B | Q2 2026 | — |
| Total loan yield | 5.67% | Q2 2026 | — |
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| Total loans | $8.99B | Q2 2026 | — |
| Yield on securities | 2.71% | Q2 2026 | — |
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| Adjusted diluted EPS non-GAAP | $1.19 | Q4-2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FBNC
this stock
First Bancorp /Nc/
|
$2.68B | +26.9% | -3.6% | 20.1 | 4.9% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FBNC | -1.9% | +3.0% | +7.1% | +2.5% | +26.9% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -1.5% | +0.1% | -4.4% | -0.4% | +14.2% |
Capital returns
Latest dividend
$0.24
/ share · ex Jun 30, 2026
Paid (TTM)
$0.94
/ share · 4 payouts
Dividend yield (TTM, derived)
1.46%
Buyback program
· as of Dec 31, 2025
Authorized
shares 24,849
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
811589
CUSIP
318910106
13F (30d)
215 filings
211 filers
Visit website
Investor relations