First Bancorp Common Stock (FBNC)

FairStock Score: 53/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at First Bancorp as a classic regional bank: deposits, commercial and real estate loans, and 1,396 employees. Banking is competitive, so I see no wide moat; local relationships and a 0.85 beta suggest a steady franchise, not a speculative one. Filed results show net income of $50.5M and diluted EPS of $1.22 in fiscal Q2 2026, the quarter ended 2026-06-30. That followed $46.7M and $1.13 in fiscal Q1 2026 and $38.6M and $0.93 in fiscal Q2 2025, so recent profit momentum is real. For full years, FY2025 net income was $111.0M and diluted EPS $2.68, versus $76.2M and $1.84 in FY2024 and $104.1M and $2.53 in FY2023; filed revenue was $67.6M in FY2025 and $70.1M in FY2024. The FairStock calculations show P/E 18.59, P/B 1.44, ROE 8.14%, PEG 0.60, Piotroski 6/9, and a 53/100 score. A bank earning about 8% on equity probably deserves a moderate price-to-book, so at $59.86, near the middle-upper part of its 52-week range, I see fair value, not a bargain. The 1.60% dividend and low beta help, but the Lynch category is Slow Grower because profit compounded only 6.4% yearly over five years. Missing CET1, net interest margin, combined ratio, and credit/reserve details keep me cautious.

In plain English: First Bancorp is a bank holding company that takes deposits and makes loans to people and businesses. The business is profitable, and recent quarterly profits rose, but returns are not exceptional and long-term growth is modest. At $59.86, the shares look roughly fair rather than clearly cheap or expensive compared with its profits and net assets.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer