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First Bancorp(NASDAQ) FBNC

Market Cap$2.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1987)+5,937%
5 Year+75%
1 Year+22%
1 Month+4%
Premium Feature
Moneyball Superscore
63/100
$65.26
+0.87%
+0.56Today
After hours$65.32+$0.06 (+0.09%)
First Bancorp last closing stock price
MetricPriceDate
Last closeUSD 65.292026-08-24
First Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.26%USD 66.122026-08-17
1 month+4.06%USD 62.742026-07-24
3 month+10.25%USD 59.222026-05-26
Year to date+29.59%USD 50.382025-12-31
1 year+21.78%USD 53.612025-08-22
3 year+136.44%USD 27.612023-08-25
5 year+75.32%USD 37.242021-08-25
Since inception+5,936.59%USD 1.081987-04-30

First Bancorp Financials at a Glance

Market Cap

$2.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$428.00M

Net Income (TTM)

$133.25M

EPS (TTM)

$3.22

P/E Ratio

20.30

Dividend

$0.94

Beta (Volatility)

0.85 (Low)

Price

$65.26

Volume

1

Open

$64.75

Previous Close

$65.29

Daily Range

$64.69 - $65.34

52-Week Range

$45.96 - $66.78

Estimated Earnings Date

Oct 28, 2026

FBNC News

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Regional Bank Stock Up 33% as $3.7 Million Exit Tells a Different Story

Jonathan PoncianoMar 24, 2026
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The 4 Best Bank Stocks of 2017

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Alex Dumortier, CFAAug 12, 2011

FBNC: Motley Fool Moneyball Superscore

63

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About First Bancorp

First Bancorp provides banking services to families and businesses. It helps people manage money through savings and checking accounts. The bank also lends money for homes and commercial growth.

The Banking Menu

  • Personal Banking: Savings accounts, checking accounts, and certificates of deposit for individuals and households.
  • Commercial Lending: Loans for real estate, equipment, and business operations; includes accounts receivable and inventory financing.
  • Small Business Administration Loans: Specialized government-guaranteed funding; nonaccrual Small Business Administration loans totaled $15.5 million at June 30, 2026.
  • Digital Banking Services: Online and mobile platforms for wire transfers, cash management, and remote check deposits.
  • Financial Planning: Investment and insurance products including mutual funds, annuities, and company retirement plans.

Strategic Moves and Mergers

  • Acquired GrandSouth Bancorporation on Jan. 1, 2023.
  • Conducted securities loss-earnback transactions during the third and fourth quarters of 2025 to improve asset yields.
  • Repaid fixed-rate subordinated debentures in the fourth quarter of 2025.

Strength in the Carolinas

First Bancorp operates with a granular deposit base that is 65.7% insured or collateralized as of June 30, 2026. The institution manages market risk by using back-to-back interest rate swaps for its commercial loan customers.

Financial Results

  • Net income was $50.5 million for the second quarter of 2026, up from $38.6 million in the second quarter of 2025.
  • Net interest income grew 15.1% to $111.3 million in the three months ended June 30, 2026.
  • Total assets reached $13.0 billion at June 30, 2026, a 2.9% increase from Dec. 31, 2025.
  • Total deposits rose 3.1% to $11.1 billion at June 30, 2026, compared to Dec. 31, 2025.
  • Net interest margin increased to 3.71% in the second quarter of 2026, up from 3.32% in the second quarter of 2025.

Bottom Line

First Bancorp has transitioned into a regional financial institution focused on expanding its loan portfolio and optimizing net interest margins. Its growth through strategic acquisitions and focused deposit management supports its position in the Carolinas.

AI Generated • Aug 7, 2026

Industry

Banks

Sector

Financials

Employees

1,374

CEO

Richard Hancock Moore

Website

www.localfirstbank.com

Headquarters

Southern Pines, NC 28387, US

FBNC Financials

Key Financial Metrics (TTM)

Gross Margin

63.58%

Operating Margin

11.13%

Net Income Margin

31.13%

Return on Equity

8.01%

Return on Capital

8.34%

Return on Assets

1.02%

Earnings Yield

4.93%

Dividend Yield

1.44%

Payout Ratio

28.93%

Stock Overview

Market Cap

$2.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

41.37M

Volume

1

Avg. Volume

248.69K

Financials (TTM)

Gross Profit

$272.14M

Operating Income

$47.63M

EBITDA

$50.32M

Operating Cash Flow

$232.50M

Capital Expenditure

-$5.52M

Free Cash Flow

$226.98M

Cash & ST Invst.

$2.07B

Total Debt

$74.72M

First Bancorp Performance Analysis

First Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 409,314,00024.2%
20232023-12-31USD 546,249,00033.5%
20242024-12-31USD 537,139,000-1.7%
20252025-12-31USD 549,039,0002.2%
First Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-14.5%
Q42025-12-31-5.1%
Q12026-03-3129.9%
Q22026-06-30-86.5%
First Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.1229.3%
20232023-12-31USD 2.53-38.6%
20242024-12-31USD 1.84-27.1%
20252025-12-31USD 2.6845.3%
First Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-47.3%
Q42025-12-31-22.4%
Q12026-03-31197.4%
Q22026-06-308.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$21.21M

-85.8%

Gross Profit

-$17.14M

-116.0%

Gross Margin

-80.82%

N/A

Market Cap

$2.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.97M

N/A

Employees

1,374

N/A

Net Income

$50.52M

+31.0%

EBITDA

-$62.41M

-216.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$2.07B

-23.8%

Total Debt

$74.72M

+401.0%

Accounts Receivable

$38.27M

+4.3%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$74.72M

N/A

Return on Assets

1.02%

N/A

Return on Invested Capital

2.53%

N/A

Free Cash Flow

$65.47M

+47.6%

Operating Cash Flow

$66.48M

+45.4%

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Questions About FBNC

What is the current price of First Bancorp?

First Bancorp is trading at $65.29 per share.

What is the 52-week range for First Bancorp?

Over the past 52 weeks, First Bancorp has traded between $45.96 and $66.78.

How much debt does First Bancorp have?

As of the most recent reporting period, First Bancorp reported total debt of $88.99M.

How much cash does First Bancorp have on hand?

First Bancorp does not have cash on hand data available.

What is First Bancorp’s dividend yield?

First Bancorp currently has a dividend yield of 1.44%.

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