Stock AnalizFirst Bancorp FBNC
Major Banks · IPO 1987 · data as of November 13, 2026
First Bancorp (FBNC) is a financial company listed in the US with a market value of about $2.7B. In the twelve months to September 30, 2026 it had revenue of $463M and net income of $164M, a net margin of 35.4%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is financial health (3/5); the weakest is track record (1/5).
Key numbers: a P/E of 16.2, a price to free cash flow of 9.6, 5-year revenue growth of 5% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 48% below the current price.
Score: 2.2 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Revenue growth above 10% last year
- Profit margin improving
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $463M | $390M | $350M | $404M | $393M | $320M | $299M | $276M | $266M | $214M | $149M |
| Net income | $164M | $111M | $76M | $104M | $147M | $96M | $81M | $92M | $89M | $46M | $28M |
| Free cash flow | $277M | $199M | $172M | $127M | $225M | $133M | $46M | $48M | $36M | $22M | $33M |
| EPS (diluted) | $3.97 | $2.68 | $1.84 | $2.53 | $4.12 | $3.19 | $2.81 | $3.10 | $3.01 | $1.82 | $1.33 |
| Net margin | 35.4% | 28.4% | 21.8% | 25.8% | 37.4% | 29.9% | 27.2% | 33.4% | 33.5% | 21.5% | 18.5% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $69.40, 8% above the current price; targets range from $66.00 to $74.00; the consensus rating is “none”; expected EPS is $4.82 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is First Bancorp’s P/E ratio?
About 16.2, based on the last twelve months of diluted earnings per share (forward P/E about 13.0).
Is First Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 48% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does First Bancorp pay a dividend?
Yes. The dividend yield is about 1.48%, and it has paid dividends for 10 years in our data.
Is First Bancorp a good stock to buy?
We do not give buy or sell advice. First Bancorp scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.