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First Bancorp(NASDAQ) FBNC

Current Price$62.81
Market Cap$2.60BMarket 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)+5,701%
5 Year+83%
1 Year+30%
1 Month+0%
First Bancorp last closing stock price
MetricPriceDate
Last closeUSD 62.742026-07-24
First Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.62%USD 64.432026-07-17
1 month+0.42%USD 62.482026-06-24
3 month+7.96%USD 58.112026-04-24
Year to date+24.53%USD 50.382025-12-31
1 year+29.56%USD 48.432025-07-24
3 year+95.09%USD 32.162023-07-25
5 year+82.86%USD 34.312021-07-23
Since inception+5,700.82%USD 1.081987-04-30

First Bancorp Financials at a Glance

Market Cap

$2.60BMarket 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

19.51

Dividend

$0.94

Beta (Volatility)

0.85 (Low)

Price

$62.81

Volume

7,281

Open

$63.05

Previous Close

$62.81

Daily Range

$62.80 - $63.76

52-Week Range

$45.04 - $66.54

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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About First Bancorp

First Bancorp helps Carolina families and small businesses manage their money. It provides tools like checking accounts, savings plans, and home loans. The bank also offers insurance and investment advice for the future.

What First Bank Offers

  • Business Banking: Offers loans for commercial real estate, construction, and general operations; includes Small Business Administration (SBA) lending and accounts receivable financing.
  • Personal Banking: Provides checking, savings, and money market accounts along with loans for homes, cars, and personal needs.
  • Wealth and Insurance: Supplies investment products like mutual funds and annuities alongside property, casualty, and life insurance services.

Growth in the Carolinas

  • Transitioned certain specialized consulting activities to the bank in 2024 following the inactivity of a former subsidiary.
  • Expanded its service reach to 121 branch locations across North Carolina and South Carolina as of December 2021.
  • Maintained Magnolia Financial, Inc. as a subsidiary to focus on specialized accounts receivable and inventory financing.

Why Local Banking Matters

The company focuses on the regional Carolinas market with 88% of its loan portfolio secured by real estate. It also manages a significant Small Business Administration (SBA) servicing portfolio worth $289.6 million as of March 2026.

Key Financial Numbers

  • Net income reached $46.7 million in Q1 2026, up 28.2% from $36.4 million in Q1 2025.
  • Revenue grew to $157.6 million in Q1 2026, a 9.1% increase over the previous year.
  • Total assets hit $12.9 billion as of March 31, 2026, compared to $12.7 billion at the end of 2025.
  • Operating cash flow rose to $61.2 million in Q1 2026, up 16.4% from $52.6 million in Q1 2025.
  • Market capitalization grew to $2.3 billion in Q1 2026, a 40.2% increase year-over-year.

First Bancorp in Summary

First Bancorp has evolved from its 1934 origins into a regional bank serving the North and South Carolina markets. Its steady expansion and focus on small business lending define its current operations.

AI Generated • May 25, 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

5.13%

Dividend Yield

1.50%

Payout Ratio

28.30%

Stock Overview

Market Cap

$2.60BMarket 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

41.38M

Volume

7.28K

Avg. Volume

250.79K

Financials (TTM)

Gross Profit

$272.14M

Operating Income

$47.63M

EBITDA

$50.32M

Operating Cash Flow

$211.73M

Capital Expenditure

-$5.88M

Free Cash Flow

$205.85M

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%
Q22026-06-30-200.0%

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

$2.60BMarket 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

$1.92M

N/A

Employees

1,353

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

$59.32M

+13.3%

Operating Cash Flow

$61.20M

+16.4%

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Questions About FBNC

What is the current price of First Bancorp?

First Bancorp is trading at $62.81 per share.

What is the 52-week range for First Bancorp?

Over the past 52 weeks, First Bancorp has traded between $45.04 and $66.54.

How much debt does First Bancorp have?

As of the most recent reporting period, First Bancorp reported total debt of $74.72M.

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 1.50%.

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