FBNCNASDAQ

First Bancorp, Inc.

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Recent & upcoming events

Sep 30

Ex-dividend Time TBD

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KPI highlights

FY25

Revenue $68M YoY -3.6%

Operating income —

Net income $111M YoY +45.7%

EPS $2.68 YoY +44.9%

P/E —

ROE 6.7% Equity ratio 13% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Company news

Jun 12, 2026 First Bancorp Announces Cash Dividend Apr 30, 2026 FIRST BANK APPOINTS ANDY SCOTT AS TRIANGLE REGIONAL EXECUTIVE Apr 28, 2026 FIRST BANCORP ANNOUNCES APPOINTMENT OF TWO NEW DIRECTORS

F-Score (Piotroski)

Banks, insurers, and other financial institutions are excluded from this score, as their financial structure differs fundamentally from typical operating companies.

Fact checklist

FY25

Equity ratio 13.1%

Current ratio —

Years of positive operating CF 12 of last 12 yrs

Payout ratio —

Latest fiscal year result Profit (net income $111M)

Performance history

Last 10 years

Income & assets

Unit: $1M

Item	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	—	—	—	—	—	25.3	17.4	32.8	70.1	67.6
Operating income	—	—	—	—	—	—	—	—	—	—
Ordinary income	—	—	—	—	—	—	—	—	—	—
Net income	27.5	46.0	89.3	92.0	81.5	95.6	147	104	76.2	111
Total assets	3,615	5,547	5,864	6,144	7,290	10,509	10,625	12,115	12,148	12,668
Equity	368	693	764	852	893	1,231	1,032	1,372	1,446	1,654

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: $1M

Item	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
EPS	$1.37	$1.82	$3.02	$3.10	$2.81	$3.19	$4.12	$2.54	$1.85	$2.68
ROE	7.5%	6.6%	11.7%	10.8%	9.1%	7.8%	14.2%	7.6%	5.3%	6.7%
Operating CF	41.3	26.8	46.4	51.2	58.3	142	231	131	175	203
Investing CF	-240	-129	-313	-425	-962	-1,274	-713	-191	170	-562
Financing CF	238	285	240	142	1,039	1,225	292	27.5	-74.8	161
FCF	—	—	—	—	—	—	—	—	—	—

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: SEC EDGAR (10-K, etc.) (fetched 2026-07-03) *Some metrics supplemented from additional sources

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Data provided by Twelve Data

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Company info

First Bancorp is a bank holding company headquartered in Southern Pines, North Carolina. Through its primary subsidiary, First Bank, the company provides commercial and consumer banking services, including deposit accounts, lending products, mortgage lending, and treasury management solutions for individuals and businesses. It also serves small and medium-sized companies with services such as SBA lending, investment advisory support, and specialized financing options. First Bancorp focuses on community banking across North Carolina and South Carolina, with a branch network that supports retail customers, commercial clients, and local organizations. The company plays a regional role in the financial services market by combining traditional relationship banking with a broad mix of deposit, credit, and wealth-related offerings.

Ticker FBNC

Industry Banks - Regional

Sector Financials

Total assets $12.67B

Equity $1.65B

Shares outstanding 41,466,227

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