Touchstone
Last syncNov 1, 2026, 6:55 PM ET

FBNC

First Bancorp /nc/ Financials State Commercial Banks Russell 3000
$63.60Close $2.6BMarket cap $47.59 – $66.2352-week range Jan 20, 2027Next report · estimated

Highlights

Strengths

  • Near its high 4% below its 52-week high
  • Earnings growing EPS +31% year on year, faster than the quarter before (+3 pts)

Cautions

  • Trend not confirmed 7 of 8 conditions · RS under 70

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 6, 2026
Off 12-month high 4%
1wk down 1.3% price change
1mo up 4.1% price change
12-month return up 32% market up 11% · its own up 21%
F-score — — Not assessed
Altman Z — Unknown
P/E 23.7× price / earnings
PEG 0.52 P/E / EPS growth
P/B 1.6× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth down 4% year on year
EPS growth up 31% latest quarter · +3 pts
Sales growth up 15% latest quarter · -1 pts
ROE up 7% return on equity
Free cash margin —
D/E 0.05 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 19% ($0.1B → $0.1B)

Trade setup

ATR% 2.4% $1.53 a day · 2×ATR $60.53
RS 64 / 99 vs the universe
Trend 7 / 8 RS under 70
Relative volume 0.8× vs 50-day average
Up/down volume 1.11 50 sessions
Implied move — no scheduled report
Trend template · 7 of 8
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged
  • Revenue shrinking Revenue fell 3.6% over the year, from $70.1M to $67.6M.
Last reported Oct 21, 2026
Results reaction Oct 21, 2026+4% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $67.6M -4% on FY2024
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $299.5M FY2021 · $25.3M FY2022 · $17.4M FY2023 · $32.8M FY2024 · $70.1M FY2025 · $67.6M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $111.0M +46% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $81.5M FY2021 · $95.6M FY2022 · $146.9M FY2023 · $104.1M FY2024 · $76.2M FY2025 · $111.0M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 164%
0% 1000% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 27% FY2021 · Net 378% FY2022 · Net 842% FY2023 · Net 317% FY2024 · Net 109% FY2025 · Net 164%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $367.3M · Long-term debt $61.8M FY2021 · Cash $461.2M · Long-term debt $67.4M FY2022 · Cash $270.3M · Long-term debt $287.5M FY2023 · Cash $237.9M · Long-term debt $630.2M FY2024 · Cash $507.5M · Long-term debt $91.9M FY2025 · Cash $309.6M · Long-term debt $74.6M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 41.47m +45.1% since FY2020
41.47m 28.58m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 28.58m FY2021 · 35.63m FY2022 · 35.70m FY2023 · 41.11m FY2024 · 41.35m FY2025 · 41.47m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $299.5M $25.3M $17.4M $32.8M $70.1M $67.6M
Net income $81.5M $95.6M $146.9M $104.1M $76.2M $111.0M
Net margin 27% 378% 842% 317% 109% 164%
Earnings per share $2.81 $3.19 $4.12 $2.53 $1.84 $2.68
Cash $367.3M $461.2M $270.3M $237.9M $507.5M $309.6M
Long-term debt $61.8M $67.4M $287.5M $630.2M $91.9M $74.6M
Shareholders' equity $893.4M $1.2B $1.0B $1.4B $1.4B $1.7B
Shares outstanding 28.58m 35.63m 35.70m 41.11m 41.35m 41.47m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 6, 2026 Quarterly ↗ Jun 30, 2026 37d
May 7, 2026 Quarterly ↗ Mar 31, 2026 37d
Feb 25, 2026 Annual ↗ Dec 31, 2025 56d
Nov 7, 2025 Quarterly ↗ Sep 30, 2025 38d
Aug 7, 2025 Quarterly ↗ Jun 30, 2025 38d
May 9, 2025 Quarterly ↗ Mar 31, 2025 39d
Feb 26, 2025 Annual ↗ Dec 31, 2024 57d
Nov 6, 2024 Quarterly ↗ Sep 30, 2024 37d
Aug 7, 2024 Quarterly ↗ Jun 30, 2024 38d
May 8, 2024 Quarterly ↗ Mar 31, 2024 38d
Feb 28, 2024 Annual ↗ Dec 31, 2023 59d
Nov 7, 2023 Quarterly ↗ Sep 30, 2023 38d

Current reports

FiledDisclosed
Oct 21, 2026 Results ↗
Sep 15, 2026 Other events ↗
Jul 22, 2026 Results ↗
Jul 14, 2026 Material agreement · Other events ↗
Jun 12, 2026 Other events ↗
Apr 29, 2026 Shareholder vote ↗
Apr 28, 2026 Director or officer change ↗
Apr 22, 2026 Results ↗
Mar 13, 2026 Other events ↗
Mar 2, 2026 Director or officer change ↗
Jan 27, 2026 Director or officer change · Other events ↗
Jan 21, 2026 Results ↗