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First Bancorp

First Bancorp

FBNC · NASDAQ · Financial Services / Banks - Regional

64.50USD-0.30 (-0.46%)

Price History

Full chart

Market Stats

Previous Close64.80
Open64.88
Day Range64.22 – 65.07
52-Week Range45.39 – 66.78
Volume160.87K
Market Cap2.63B
P/E (TTM)19.72
Forward P/E14.64
EPS3.22
Dividend Yield1.53%
Beta0.82
50-Day Avg64.13
200-Day Avg59.42

About

First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and businesses. The company accepts deposit products, such as checking, savings, and money market accounts; and time deposits, including certificate of deposits and individual retirement accounts. It also offers commercial business loans, commercial and residential real estate construction and mortgage loans, revolving lines of credit, and letters of credit, as well as loans for personal uses, home improvement, and automobiles; and accounts receivable financing and factoring, inventory financing, and purchase order financing services. In addition, the company provides credit and debit cards, safe deposit box rental services, and electronic funds transfer services consisting of wire transfers; and internet and mobile banking, mobile check deposit, cash management, bank-by-phone services, and remote deposit capture services. Further, it offers investment and insurance products, such as mutual funds, annuities, long-term care insurance, life insurance, and company retirement plans; property and casualty insurance products; and financial planning services. The company was founded in 1934 and is headquartered in Southern Pines, North Carolina.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Richard Hancock Moore
  • Employees1.40K
  • Headquarters205 SE Broad Street, Southern Pines, NC, United States, 28387, USA
  • Websitehttps://localfirstbank.com

Leadership

  • Mr. Richard Hancock MooreChairman & CEO · b. 1961
  • Ms. Elizabeth B. BostianExecutive VP & CFO · b. 1980
  • Mr. Christian WilsonExecutive VP & COO · b. 1981
  • Mr. T. Brent HicksExecutive VP & Chief Accounting Officer · b. 1972
  • Ms. Blaise BuczkowskiExecutive Vice President of Corporate Finance · b. 1964
  • Ms. Bridget WelbornExecutive VP, Chief Risk Officer & Head of Legal

Financials

Income Statement

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-----23.10M21.30M20.40M22.30M27.00M29.90M33.40M62.83M67.24M77.64M86.43M85.23M89.58M97.46M116.43M145.42M166.16M168.52M177.62M182.07M179.15M178.19M176.12M167.04M155.52M166.79M226.08M289.58M308.70M318.48M324.90M407.66M541.11M530.81M543.12M
Growth (%)-------7.79%-4.23%+9.31%+21.08%+10.74%+11.71%+88.11%+7.02%+15.48%+11.31%-1.39%+5.11%+8.79%+19.47%+24.89%+14.26%+1.42%+5.40%+2.51%-1.60%-0.54%-1.16%-5.16%-6.90%+7.25%+35.55%+28.09%+6.60%+3.17%+2.01%+25.47%+32.74%-1.90%+2.32%
Cost of Revenue-----11.00M8.10M6.70M6.70M9.90M10.20M11.70M26.06M27.40M35.83M36.87M26.42M21.59M23.21M35.88M59.59M74.88M71.18M69.08M86.47M64.87M96.99M41.60M18.42M6.13M7.58M13.39M20.19M36.17M54.60M24.55M28.50M159.91M203.41M162.32M
Gross Profit-----12.10M13.20M13.70M15.60M17.10M19.70M21.70M36.77M39.84M41.82M49.56M58.81M68.00M74.25M80.56M85.82M91.28M97.34M108.53M95.60M114.29M81.20M134.52M148.62M149.39M159.21M212.69M269.40M272.53M263.88M300.34M379.16M381.20M327.40M380.81M
Gross Margin-----52.38%61.97%67.16%69.96%63.33%65.89%64.97%58.52%59.25%53.86%57.34%69.01%75.90%76.19%69.19%59.02%54.94%57.76%61.11%52.51%63.79%45.57%76.38%88.97%96.06%95.45%94.08%93.03%88.28%82.86%92.44%93.01%70.45%61.68%70.11%
Operating Expense-----9.40M9.70M10.00M11.40M14.90M13.20M14.20M19.66M21.75M26.74M28.63M32.30M37.96M43.72M47.36M55.10M56.32M62.37M10.52M80.66M93.28M121.56M101.74M110.09M108.23M117.08M144.95M155.92M156.25M160.75M180.02M193.94M249.24M229.28M236.58M
Operating Income1.00M1.40M1.90M1.90M1.60M2.70M3.50M3.70M4.20M2.20M6.50M7.50M17.11M18.09M15.08M20.92M26.51M30.03M30.53M33.19M30.73M34.96M34.97M98.02M14.94M21.01M-40.36M32.78M38.53M41.16M42.13M67.74M113.48M116.28M103.13M120.32M185.22M131.96M98.12M144.23M
Operating Margin-----11.69%16.43%18.14%18.83%8.15%21.74%22.46%27.22%26.90%19.42%24.21%31.11%33.53%31.33%28.51%21.13%21.04%20.75%55.19%8.21%11.73%-22.65%18.61%23.07%26.47%25.26%29.96%39.19%37.67%32.38%37.03%45.43%24.39%18.48%26.56%
EBITDA1.00M1.40M1.90M1.90M1.60M3.40M4.60M4.70M5.30M3.30M7.80M8.80M18.62M19.84M16.93M23.93M28.66M32.86M33.23M36.00M34.01M38.62M39.00M98.51M19.81M26.30M-34.90M38.26M43.93M46.38M47.95M77.47M126.32M130.17M116.73M134.25M200.55M151.17M116.00M154.64M
EBITDA Margin-----14.72%21.60%23.04%23.77%12.22%26.09%26.35%29.64%29.51%21.80%27.69%33.62%36.68%34.09%30.92%23.39%23.24%23.14%55.46%10.88%14.68%-19.59%21.73%26.30%29.82%28.75%34.27%43.62%42.17%36.65%41.32%49.19%27.94%21.85%28.47%
Net Income1.00M1.40M1.90M1.90M1.60M2.00M2.50M2.70M3.00M1.60M4.30M5.00M10.97M11.85M9.34M13.62M17.23M19.42M20.11M16.09M19.30M21.81M22.00M60.26M9.98M13.64M-23.41M20.70M25.00M27.03M27.51M45.97M89.29M92.05M81.48M95.64M146.94M104.13M76.22M111.05M
Net Income Margin-----8.66%11.74%13.24%13.45%5.93%14.38%14.97%17.46%17.63%12.03%15.75%20.22%21.67%20.64%13.82%13.27%13.13%13.06%33.93%5.48%7.61%-13.14%11.75%14.96%17.38%16.49%20.33%30.83%29.82%25.58%29.44%36.04%19.24%14.36%20.45%
R&D-------------------------00000000-------
R&D as % of Total Revenue-------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense0000010.40M7.60M6.10M6.30M9.00M9.90M11.10M25.07M26.49M34.22M35.72M23.87M18.91M20.30M32.84M54.67M69.66M61.30M48.90M31.91M23.57M17.32M10.98M8.22M6.91M7.61M12.67M23.78M33.90M19.56M9.52M16.10M142.10M186.97M158.99M
Interest Expense % of Total Revenue-----45.02%35.68%29.90%28.25%33.33%33.11%33.23%39.90%39.39%44.07%41.33%28.01%21.11%20.83%28.20%37.60%41.92%36.38%27.53%17.52%13.15%9.72%6.24%4.92%4.44%4.56%5.60%8.21%10.98%6.14%2.93%3.95%26.26%35.22%29.27%

Balance Sheet

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-----232.60M242.60M257.30M289.60M321.70M335.50M402.70M491.80M889.53M915.17M1.14B1.22B1.48B1.64B1.80B2.14B2.32B2.75B3.55B3.28B3.29B3.24B3.19B3.22B3.36B3.61B5.55B5.86B6.14B7.29B10.51B10.63B12.11B12.15B12.67B
Total Liabilities-----208.80M217.00M229.90M260.80M291.40M302.30M365.90M451.30M782.55M804.48M1.03B1.09B1.33B1.49B1.65B1.97B2.14B2.53B3.20B2.93B2.95B2.89B2.81B2.83B3.02B3.25B4.85B5.10B5.29B6.40B9.28B9.59B10.74B10.70B11.01B
Total Equity-----23.80M25.60M27.40M28.80M30.30M33.20M36.80M40.50M106.98M110.68M116.73M123.98M141.86M148.48M155.73M162.71M174.07M219.87M342.38M344.60M345.15M356.12M371.92M387.70M342.19M368.10M692.98M764.23M852.40M893.42M1.23B1.03B1.37B1.45B1.65B
Cash-----14.90M20.60M24.00M19.20M24.00M20.90M33.60M38.80M46.06M22.71M75.57M57.49M48.95M73.62M74.64M127.13M143.05M193.21M343.25M211.14M215.56M241.51M220.53M253.08M267.27M305.99M489.49M462.90M231.30M367.29M461.16M270.32M237.85M507.51M146.76M
Total Debt-----100.00K------6.00M62.50M26.20M15.00M30.00M76.00M92.24M133.77M253.29M282.09M428.42M240.87M251.33M151.03M46.39M46.39M116.39M186.39M476.39M710.54M749.61M538.67M22.99M19.50M237.82M321.67M14.55M74.57M
Net Debt------14.80M-20.60M-24.00M-19.20M-24.00M-20.90M-33.60M-32.80M16.44M3.49M-60.57M-27.49M27.05M18.62M59.13M126.16M139.04M235.21M-102.38M40.19M-64.53M-195.11M-174.13M-136.69M-80.87M-34.60M-81.95M-56.29M69.37M-344.30M-441.66M-32.50M83.81M-492.95M-72.19M

Cash Flow

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.50M4.50M4.80M4.30M6.80M7.30M7.40M20.51M19.55M14.14M12.02M11.08M41.47M27.89M28.90M25.06M30.56M34.29M15.03M64.11M37.05M41.68M71.88M47.82M37.35M41.27M26.84M46.41M51.24M57.08M138.90M230.65M131.40M174.78M203.13M
Investing Cash Flow-11.40M-7.00M-12.80M-6.80M-15.40M-22.90M-42.20M-73.40M-112.45M-70.61M60.90M-76.14M-117.37M-142.68M-154.74M-249.72M-171.18M-162.11M250.77M72.34M171.26M5.72M45.04M-25.80M-138.00M-240.11M-128.53M-313.28M-424.69M-960.28M-1.27B-713.36M-191.37M169.67M-562.07M
Financing Cash Flow11.00M8.30M11.30M-2.20M13.30M12.40M47.60M64.76M100.19M28.57M-16.54M51.90M65.16M141.28M139.97M267.81M160.55M186.00M-139.71M-275.31M-204.14M-22.06M-135.15M7.79M114.83M237.57M285.19M240.28M141.85M1.04B1.23B291.86M27.51M-74.80M161.03M
Capital Expenditure1.00M200.00K1.20M200.00K1.30M600.00K1.80M1.54M2.58M3.31M3.22M5.64M3.67M7.33M7.21M10.87M5.79M5.38M5.30M17.54M6.61M8.95M6.29M4.75M5.48M8.69M4.66M10.72M3.53M12.36M9.40M5.29M4.42M2.66M4.25M
Free Cash Flow2.50M4.30M3.60M4.10M5.50M6.70M5.60M18.97M16.97M10.83M8.80M5.44M37.80M20.55M21.68M14.19M24.78M28.92M9.73M46.57M30.44M32.73M65.59M43.07M31.87M32.58M22.18M35.69M47.70M44.71M129.50M225.37M126.97M172.12M198.89M
Dividends Paid500.00K600.00K800.00K900.00K1.10M1.30M1.50M5.33M5.62M6.32M7.93M8.14M8.67M9.14M9.76M10.42M10.92M11.74M9.91M8.61M8.24M8.46M7.51M7.17M7.11M6.63M7.60M11.28M13.66M20.94M22.23M30.66M34.94M36.25M37.28M
FCF to OCF71.43%95.56%75.00%95.35%80.88%91.78%75.68%92.50%86.81%76.57%73.24%49.09%91.16%73.70%75.04%56.63%81.07%84.32%64.75%72.64%82.17%78.52%91.25%90.06%85.33%78.95%82.64%76.90%93.10%78.34%93.23%97.71%96.64%98.48%97.91%
Dividend Paid to FCF20.00%13.95%22.22%21.95%20.00%19.40%26.79%28.11%33.13%58.36%90.10%149.53%22.93%44.46%45.01%73.45%44.09%40.59%101.79%18.49%27.06%25.86%11.45%16.65%22.29%20.35%34.25%31.61%28.64%46.82%17.16%13.60%27.52%21.06%18.75%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Nov 28, 2001Jan 16, 2002Apr 17, 2002Jul 26, 2002Oct 23, 2002Jan 22, 2003Apr 23, 2003Jul 22, 2003Oct 23, 2003Jan 22, 2004Apr 21, 2004Jul 22, 2004Oct 21, 2004Jan 28, 2005Apr 28, 2005Jul 27, 2005Oct 25, 2005Jan 24, 2006Apr 24, 2006Jul 27, 2006Oct 25, 2006Jan 25, 2007Apr 24, 2007Jul 24, 2007Oct 26, 2007Jan 29, 2008Apr 23, 2008Jul 29, 2008Oct 28, 2008Jan 30, 2009Apr 29, 2009Aug 6, 2009Nov 5, 2009Feb 8, 2010Apr 29, 2010Jul 29, 2010Oct 28, 2010Feb 3, 2011May 3, 2011Aug 1, 2011Oct 31, 2011Jan 31, 2012May 1, 2012Jul 25, 2012Oct 24, 2012Feb 1, 2013Apr 25, 2013Jul 23, 2013Oct 23, 2013Jan 30, 2014Apr 30, 2014Jul 30, 2014Oct 30, 2014Jan 29, 2015Apr 29, 2015Jul 27, 2015Oct 27, 2015Jan 28, 2016Apr 27, 2016Jul 26, 2016Oct 27, 2016Jan 26, 2017Apr 27, 2017Jul 25, 2017Oct 24, 2017Jan 29, 2018Apr 24, 2018Jul 24, 2018Oct 23, 2018Jan 23, 2019Apr 23, 2019Jul 24, 2019Oct 23, 2019Jan 22, 2020Apr 28, 2020Jul 23, 2020Oct 26, 2020Jan 27, 2021Apr 27, 2021Jul 27, 2021Oct 26, 2021Jan 26, 2022Apr 27, 2022Jul 27, 2022Oct 26, 2022Jan 24, 2023Apr 26, 2023Jul 26, 2023Oct 25, 2023Jan 24, 2024Apr 24, 2024Jul 24, 2024Oct 23, 2024Jan 29, 2025Apr 23, 2025Jul 23, 2025Oct 22, 2025Jan 21, 2026Apr 22, 2026Jul 22, 2026Oct 28, 2026
EPS Estimate-------------------0.320.320.350.360.340.350.370.350.350.360.400.370.380.380.370.350.350.370.400.390.38--0.272.160.220.340.160.240.220.140.100.120.140.100.140.210.120.200.180.190.250.310.280.320.310.320.330.310.320.310.300.340.240.390.380.440.490.530.620.690.740.730.710.770.800.780.590.160.480.760.850.910.950.830.931.020.981.110.910.790.690.650.630.600.700.740.780.870.921.041.091.151.18
EPS Actual0.280.300.320.320.350.250.270.27-0.070.280.240.230.260.240.270.280.320.320.330.330.350.340.330.340.360.370.360.320.390.380.350.330.300.360.340.370.400.400.380.320.370.300.192.130.330.260.200.170.17-0.19-0.050.170.090.01-0.350.150.22-1.530.140.270.300.270.270.320.350.340.330.300.340.330.330.380.240.410.410.480.570.550.770.780.750.830.750.800.840.760.620.340.810.830.991.030.971.061.031.041.081.090.880.740.730.720.610.700.700.760.840.871.011.191.131.22-
Surprise-------------------3.13%9.38%-2.86%-8.33%0.00%2.86%0.00%2.86%-8.57%8.33%-5.00%-5.41%-13.16%-21.05%-2.70%-2.86%5.71%8.11%0.00%-2.56%-15.79%---29.63%-1.39%50.00%-23.53%25.00%-29.17%-22.73%-235.71%-150.00%41.67%-35.71%-90.00%-350.00%-28.57%83.33%-865.00%-22.22%42.11%20.00%-12.90%-3.57%0.00%12.90%6.25%0.00%-3.23%6.25%6.45%10.00%11.76%0.00%5.13%7.89%9.09%16.33%3.77%24.19%13.04%1.35%13.70%5.63%3.90%5.00%-2.56%5.08%112.50%68.75%9.21%16.47%13.19%2.11%27.71%10.75%1.96%10.20%-1.80%-3.30%-6.33%5.80%10.77%-3.17%16.67%0.00%2.70%7.69%0.00%9.78%14.42%3.67%6.09%-
Timing-------------------After-hoursAfter-hoursAfter-hours-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--After-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-market-

Key Statistics & Ratios

Market Cap2.63B
Enterprise Value2.17B
Trailing P/E19.72
Forward P/E14.64
PEG Ratio1.56
Price / Sales6.40
Price / Book1.51
EPS3.22
Book Value41.49
Revenue (TTM)410.72M
Gross Profit (TTM)410.72M
Profit Margin32.44%
Operating Margin51.19%
Return on Equity8.14%
Return on Assets1.04%
Shares Outstanding41.37M
Shares Float40.68M
Beta0.82
Dividend Yield1.53%
Dividend Rate0.96
Payout Ratio20.88%

Analyst Ratings

Buy
Based on 5 analystsTarget 69.40
  • Strong Buy
    1
  • Buy
    1
  • Hold
    3

Ownership Breakdown

Institutions
85.04%
Insiders
2.00%
Retail / Other
12.96%

Top Institutional Holders

  • BlackRock Inc
    5.82M14.06%
  • FMR Inc
    3.64M8.80%
  • State Street Corp
    2.07M5.01%
  • Vanguard Capital Management, LLC
    1.77M4.28%
  • Franklin Templeton Inc
    1.77M4.28%
  • Dimensional Fund Advisors, Inc.
    1.71M4.13%
  • Ameriprise Financial Inc
    1.30M3.14%
  • Westwood Holdings Group Inc
    1.29M3.11%
  • Geode Capital Management, LLC
    1.05M2.53%
  • Delaware Management Holdings Inc
    986.23K2.38%
  • Vanguard Portfolio Management, LLC
    806.71K1.95%
  • Jennison Associates LLC
    785.26K1.90%
  • Boston Partners Global Investors, Inc
    615.75K1.49%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    2.53M6.10%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.32M3.20%
  • iShares Russell 2000 ETF
    1.06M2.56%
  • Franklin Small Cap Value A
    988.43K2.39%
  • Nomura Small Cap Core I
    753.61K1.82%
  • CT (Lux) American Smaller Com 9U USD
    659.82K1.59%
  • Fidelity Small Cap Value Fund
    646.24K1.56%

Dividends

20263×
0.24Sep 30, 20260.24Jun 30, 20260.24Mar 31, 2026
20254×
0.23Dec 31, 20250.23Sep 30, 20250.23Jun 30, 20250.22Mar 31, 2025
20244×
0.22Dec 31, 20240.22Sep 30, 20240.22Jun 28, 20240.22Mar 27, 2024
20234×
0.22Dec 28, 20230.22Sep 29, 20230.22Jun 29, 20230.22Mar 30, 2023
20224×
0.22Dec 29, 20220.22Sep 29, 20220.22Jun 29, 20220.22Mar 30, 2022
20214×
0.20Dec 30, 20210.20Sep 29, 20210.20Jun 29, 20210.20Mar 30, 2021
20201×
0.18Dec 30, 2020

Stock Splits

  • Nov 16, 20043:2
  • Sep 14, 19993:2
  • Sep 16, 19962:1
  • Dec 24, 199011:10