FCBM · First Carolina Financial Services, Inc.
$12.56
-0.02 (-0.16%)
At close · Aug 20
Market Cap
$392.09M
Shares
31.07M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$12.58
Open$12.58
Day$12.56–12.77
Available close range$12.36–13.24
Avg vol 30d81K
Short int31K · 0.1% float · 1.0d
Short vol17%
DataJun 2026–Aug 2026
Filing10-Q · Aug 14
The closing range uses available history since Jun 18, 2026; less than a full year is stored.
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 14, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Limited
Sentiment
Neutral
Fundamentals
Limited
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
RSI (14)
47
neutral
MACD trend
Positive
52-week position
25%
mid-range
Momentum
relative strength
Not enough data for a confident read.
Sentiment
smart money
Trend (MA cross)
No cross
50/200-day averages unavailable
Institutional flow
Accumulating
+30 funds added
Insider flow
Accumulating
Net +$1.7M over 90 days · 0% sells
Short interest
Rising
0.10% of float · ▲ +204.6% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
30 holders — 13F breadth
Squeeze score
42
elevated · 0–100
Fundamentals
Not enough data for a confident read.
Quant / Vol
risk profile
Volatility
20%
annualized · 1-yr
Max drawdown
−7%
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 Buy
50 / 200-day cross
No cross
Neutral
RSI (14)
47
Neutral
MACD trend
Positive
Bullish
52-week position
25%
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50/200-day averages unavailable
Institutional flow
Accumulating
+30 funds added
Insider flow
Accumulating
Net +$1.7M over 90 days · 0% sells
Short interest
Rising
0.10% of float · ▲ +204.6% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
30 holders — 13F breadth
Price context
position in its available closing range
Range low $12
Now $13 · 25%
Range high $13
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 |
|---|---|---|---|
| Annualized net charge-offs to average loans held for investment | 0% | Q2 2026 | — |
| Average shareholders' equity to average assets | 10.53% | Q2 2026 | — |
| Book value per share | $13.88 | Q2 2026 | — |
| Cost of interest-bearing liabilities | 3.58% | Q2 2026 | — |
| Deposit costs | 2.75% | Q2 2026 | — |
| Efficiency ratio non-GAAP | 79.05% | Three Months Ended June 30, 2026 | — |
| Loan growth | 58.1M | Q2 2026 | — |
| Loan growth annualized rate | 8.9% | Q2 2026 | — |
| Net interest margin | 3.23% | Q2 2026 | — |
| Net interest spread | 2.29% | As of and for the Six Months Ended June 30, 2026 | — |
| Nonaccrual loans to gross loans | 0.81% | As of the Quarter Ended June 30, 2026 | — |
| Nonperforming assets ratio | 0.65% | Q2 2026 | — |
| Nonperforming loans to gross loans | 0.81% | As of the Quarter Ended June 30, 2026 | — |
| Number of branches | 9 | As of June 30, 2026 | — |
| Number of full-time equivalent employees | 269 | As of June 30, 2026 | — |
| Pre-tax pre-provision net revenue (PPNR) non-GAAP | $6.76M | Three Months Ended June 30, 2026 | — |
| Return on average assets (ROAA) | 0.6% | Q2 2026 | — |
| Return on average equity (ROAE) | 5.71% | Q2 2026 | — |
| Return on average tangible common equity (ROATCE) non-GAAP | 7.09% | Q2 2026 | — |
| Tangible book value per share non-GAAP | $11.66 | As of June 30, 2026 | — |
| Tangible common equity to tangible assets non-GAAP | 10.85% | As of June 30, 2026 | — |
| Total cost of funds | 2.84% | Q2 2026 | — |
| Yield on average interest-earning assets | 5.92% | Q2 2026 | — |
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 |
|---|---|---|---|---|---|
|
FCBM
this stock
First Carolina Financial Services, Inc.
|
$392.09M | — | — | — | 0.1% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +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% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
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
Smart Money
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FCBM | -1.6% | -1.4% | — | +0.6% | — |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -1.2% | -4.3% | — | -2.4% | — |
Key facts
CIK
1531193
CUSIP
31943F200
13F (30d)
30 filings
30 filers
Visit website
Investor relations