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Company Analysis

First Bancorp FBNC

A comprehensive view of key metrics, scores, and financial health for First Bancorp

Overview of First Bancorp

FBNC NMS
Financial Services Banks - Regional Mid Cap
First Bancorp (FBNC), is a Mid Cap company, in the Banks - Regional industry, last closed at $53.19, about 24.8% overvalued vs fair value, +31.6% 1Y return, ranked 513/1004 in sector.
$53.19
-0.95%
As of March 13, 2026
Previous close • Vol 90d: 29.5%
52-Week Range
Market Cap
$2.21B
Enterprise Value
$2.13B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://localfirstbank.com
HQ Southern Pines, NC
Employees 1,332
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$22
$40
$75
Current: $53.19 -25% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$519.2M
6.2%%
Interest Expense
$159.0M
Net Interest Income
$332.3M
-4.2%%
Total Revenue
$543.1M
58%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.2%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$38.3M
50.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
55
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
43
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FBNC's balance between Growth (39.1%), Profitability (37.8%), and Safety (23.2%). Growth 39% Safety 23% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

44th percentile vs peers
45
Key Signals
Rev Growth YoY 58.0% 51p Asset Growth YoY 4.3% 53p Revenue CAGR 3Y 11.5% 26p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

43th percentile vs peers
43
Key Signals
Strengths
Risks
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Safety

26th percentile vs peers
26
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Bancorp.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$40.01
- - -
-24.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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