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First Bancorp FBNC

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Price alert · FBNC

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65.04 USD +0.27 (+0.41%)

Nov 6, 2026, 1:51 PM EST

64.67 Day range 65.71
47.83 52-week range 67.74
YTD
+28.05%
1 year
+28.76%

Financial health

Altman Z-Score

-0.45 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 19.0×
FY 2016: 19.8×FY 2017: 19.4×FY 2018: 10.8×FY 2019: 12.8×FY 2020: 11.9×FY 2021: 17.1×FY 2022: 10.4×FY 2023: 14.6×FY 2024: 23.8×FY 2025: 19.0×
FY 2016 5y median 17.1× FY 2025
P/S 3.9×
FY 2016: 3.2×FY 2017: 3.9×FY 2018: 3.3×FY 2019: 3.8×FY 2020: 3.1×FY 2021: 5.0×FY 2022: 3.7×FY 2023: 2.8×FY 2024: 3.4×FY 2025: 3.9×
FY 2016 5y median 3.7× FY 2025
P/B 1.3×
FY 2016: 1.5×FY 2017: 1.3×FY 2018: 1.3×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 1.5×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/FCF 10.6×
FY 2016: 16.6×FY 2017: 40.1×FY 2018: 27.1×FY 2019: 24.7×FY 2020: 21.2×FY 2021: 12.3×FY 2022: 6.7×FY 2023: 11.9×FY 2024: 10.5×FY 2025: 10.6×
FY 2016 5y median 10.6× FY 2025
EV/EBITDA 12.7×
FY 2016: 10.6×FY 2017: 14.1×FY 2018: 9.5×FY 2019: 11.1×FY 2020: 5.4×FY 2021: 8.8×FY 2022: 7.4×FY 2023: 10.5×FY 2024: 11.3×FY 2025: 12.7×
FY 2016 5y median 10.5× FY 2025
EV/Sales 3.7×
FY 2016: 3.0×FY 2017: 4.8×FY 2018: 4.1×FY 2019: 4.7×FY 2020: 2.0×FY 2021: 3.7×FY 2022: 3.6×FY 2023: 2.9×FY 2024: 2.5×FY 2025: 3.7×
FY 2016 5y median 3.6× FY 2025
FCF Yield 9.5%
FY 2016: 6.0%FY 2017: 2.5%FY 2018: 3.7%FY 2019: 4.0%FY 2020: 4.7%FY 2021: 8.2%FY 2022: 14.8%FY 2023: 8.4%FY 2024: 9.5%FY 2025: 9.5%
FY 2016 5y median 9.5% FY 2025

Profitability

Gross Margin 70.1%
FY 2016: 95.5%FY 2017: 94.1%FY 2018: 93.0%FY 2019: 88.3%FY 2020: 82.9%FY 2021: 92.4%FY 2022: 93.0%FY 2023: 70.4%FY 2024: 61.7%FY 2025: 70.1%
FY 2016 5y median 70.4% FY 2025
Operating Margin 26.6%
FY 2016: 25.3%FY 2017: 30.0%FY 2018: 39.2%FY 2019: 37.7%FY 2020: 32.4%FY 2021: 37.0%FY 2022: 45.4%FY 2023: 24.4%FY 2024: 18.5%FY 2025: 26.6%
FY 2016 5y median 26.6% FY 2025
Net Margin 20.4%
FY 2016: 16.5%FY 2017: 20.3%FY 2018: 30.8%FY 2019: 29.8%FY 2020: 25.6%FY 2021: 29.4%FY 2022: 36.0%FY 2023: 19.2%FY 2024: 14.4%FY 2025: 20.4%
FY 2016 5y median 20.4% FY 2025
ROE 6.7%
FY 2016: 7.5%FY 2017: 6.6%FY 2018: 11.7%FY 2019: 10.8%FY 2020: 9.1%FY 2021: 7.8%FY 2022: 14.2%FY 2023: 7.6%FY 2024: 5.3%FY 2025: 6.7%
FY 2016 5y median 7.6% FY 2025
ROIC -1.8%
FY 2016: 4.1%FY 2017: 4.0%FY 2018: 7.4%FY 2019: 7.6%FY 2020: 8.0%FY 2021: 6.9%FY 2022: 10.5%FY 2023: 5.0%FY 2024: 4.7%FY 2025: -1.8%
FY 2016 5y median 5.0% FY 2025
ROA 0.9%
FY 2016: 0.8%FY 2017: 0.8%FY 2018: 1.5%FY 2019: 1.5%FY 2020: 1.1%FY 2021: 0.9%FY 2022: 1.4%FY 2023: 0.9%FY 2024: 0.6%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 2.3%
FY 2016: 7.2%FY 2017: 35.5%FY 2018: 28.1%FY 2019: 6.6%FY 2020: 3.2%FY 2021: 2.0%FY 2022: 25.5%FY 2023: 32.7%FY 2024: -1.9%FY 2025: 2.3%
FY 2016 FY 2025
Operating Income 47.0%
FY 2016: 2.4%FY 2017: 60.8%FY 2018: 67.5%FY 2019: 2.5%FY 2020: -11.3%FY 2021: 16.7%FY 2022: 53.9%FY 2023: -28.8%FY 2024: -25.6%FY 2025: 47.0%
FY 2016 FY 2025
EPS (diluted) 45.7%
FY 2016: 2.3%FY 2017: 36.8%FY 2018: 65.4%FY 2019: 3.0%FY 2020: -9.4%FY 2021: -4.6%FY 2022: 53.7%FY 2023: -39.1%FY 2024: -26.7%FY 2025: 45.7%
FY 2016 FY 2025
Free Cash Flow 15.5%
FY 2016: 2.2%FY 2017: -31.9%FY 2018: 60.9%FY 2019: 33.7%FY 2020: -3.6%FY 2021: 189.2%FY 2022: 69.5%FY 2023: -43.7%FY 2024: 35.6%FY 2025: 15.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.0×
FY 2016: 0.7×FY 2017: 1.0×FY 2018: 0.9×FY 2019: 0.6×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -0.5×
FY 2016: -0.7×FY 2017: 2.6×FY 2018: 1.8×FY 2019: 2.1×FY 2020: -2.9×FY 2021: -3.3×FY 2022: -0.2×FY 2023: 0.6×FY 2024: -4.2×FY 2025: -0.5×
FY 2016 5y median -0.5× FY 2025
Interest Coverage 0.9×
FY 2016: 5.5×FY 2017: 5.3×FY 2018: 4.8×FY 2019: 3.4×FY 2020: 5.3×FY 2021: 12.6×FY 2022: 11.5×FY 2023: 0.9×FY 2024: 0.5×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 1.8%
FY 2016: 1.2%FY 2017: 0.9%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 2.1%FY 2021: 1.4%FY 2022: 2.0%FY 2023: 2.3%FY 2024: 2.0%FY 2025: 1.8%
FY 2016 5y median 2.0% FY 2025
Payout Ratio 33.6%
FY 2016: 24.1%FY 2017: 16.5%FY 2018: 12.6%FY 2019: 14.8%FY 2020: 25.7%FY 2021: 23.2%FY 2022: 20.9%FY 2023: 33.6%FY 2024: 47.6%FY 2025: 33.6%
FY 2016 5y median 33.6% FY 2025

Annual · latest fiscal year ends 2025-12-31