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First Bancorp NC
FBNC.US
First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and businesses. The company accepts deposit products, such as checking, savings, and money market accounts; and time deposits, including certificate of deposits and individual retirement accounts. It also offers commercial business loans, commercial and residential real estate construction and mortgage loans, revolving lines of credit, and letters of credit, as well as loans for personal uses, home improvement, and automobiles; and accounts receivable financing and factoring, inventory financing, and purchase order financing services. In addition, the company provides credit and debit cards, safe deposit box rental services, and electronic funds transfer services consisting of wire transfers; and internet and mobile banking, mobile check deposit, cash management, bank-by-phone services, and remote deposit capture services.
642.38 B
FBNC.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
C
Regional BanksIndustry
Industry Ranking133/306
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreC
    • ROE6.39%C
    • Profit Margin27.11%A
    • Gross Margin0.00%E
  • Growth ScoreC
    • Revenue YoY0.59%C
    • Net Profit YoY-3.24%C
    • Total Assets YoY4.91%C
    • Net Assets YoY8.51%B
  • Cash ScoreC
    • Cash Flow Margin370.64%C
    • OCF YoY0.59%C
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

Valuation analysis

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Institutional View & Shareholder

Analyst Ratings

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    News
    View More

    Will First Bancorp's (FBNC) Risk Transition Shape Its Regulatory Advantage in the Years Ahead?

    First Bank appoints Bridget Welborn as Chief Risk Officer and Head of Legal, succeeding Peter Seitz. Welborn's expertise in risk and regulatory compliance is expected to strengthen the bank's risk oversight amid asset quality and profitability concerns. Despite recent earnings growth, First Bancorp faces challenges like underperformance and high valuation. The bank's shares may be overvalued, trading 42% above fair value. Investors are advised to consider diverse perspectives on the stock's fair value and potential downside.

    Simplywall·
    US
    FBNC
    -0.19%
    Simplywall·
    US
    FBNC
    -0.19%

    First Bancorp Appoints Bridget Welborn as Chief Risk Officer

    First Bancorp has appointed Bridget Welborn as the new Chief Risk Officer and Head of Legal for its subsidiary, First Bank. Welborn, with over 15 years of experience in legal, risk, privacy, and compliance, will collaborate with Peter Seitz, the outgoing Executive Vice President of Enterprise Risk, until his retirement in January 2026.

    Reuters·
    US
    FBP
    +0.64%
    US
    FBNC
    -0.19%
    Reuters·
    US
    FBP
    +0.64%
    US
    FBNC
    -0.19%

    Does Adam Currie’s Board Role and Q3 Earnings Momentum Reveal a Shift in FBNC’s Leadership Edge?

    First Bancorp appointed G. Adam Currie, CEO of First Bank, to its Board of Directors, coinciding with a rise in net and comprehensive income for Q3 2025. This move signals continuity in leadership and aims to enhance executive oversight. While Currie's governance experience is beneficial, significant changes in direction or capital deployment are not expected soon. Investors should monitor noninterest income volatility, as shares may be undervalued by 40%. Fair value estimates for First Bancorp range from $54.46 to $85.07, reflecting diverse market sentiments.

    Simplywall·
    US
    FBNC
    -0.19%
    Simplywall·
    US
    FBNC
    -0.19%

    First Bancorp Appoints CEO Adam Currie to Board of Directors

    First Bancorp has appointed G. Adam Currie, the Chief Executive Officer of First Bank, to its Board of Directors. Currie has been with the company since 2015 and became CEO in February 2025. This announcement was published via PR Newswire on October 30, 2025.

    Reuters·
    US
    FNLC
    0.00%
    US
    FBNC
    -0.19%
    Reuters·
    US
    FNLC
    0.00%
    US
    FBNC
    -0.19%

    Raymond James Sticks to Their Hold Rating for First Bancorp (FBNC)

    Currently, the analyst consensus on First Bancorp is a Moderate Buy with an average price target of $56.67, implying a 15.51% upside from current levels. In a report released on October 23, Piper Sandler also maintained a Hold rating on the stock with a $51.00 price target.

    Tip Ranks·
    US
    FBNC
    -0.19%
    Tip Ranks·
    US
    FBNC
    -0.19%
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