Inside the research
First Bancorp
FBNC Research profile · latest available data
Price overview
$63.50
▲ +0.70 (+1.1%)
| 52w hi | $66.34 |
|---|---|
| 52w lo | $45.74 |
| Vol | 210.40K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.20
| Short | +0.10 |
|---|---|
| Medium | +0.22 |
| Long | +0.36 |
computed 2026-09-27
Key fundamentals
First Bancorp
Financial Services · Banks - Regional
| Market cap | $2.63B |
|---|---|
| Enterprise value | $2.17B |
| Trailing P/E | 19.72x |
| Forward P/E | 12.57x |
| P / S (ttm) | 6.40x |
| Profit margin | 32.4% |
| Return on equity | 8.1% |
| Revenue growth | +16.0% |
| Earnings growth | +31.2% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.34 | |
| Sector | +0.02 | |
| Technical | +0.07 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
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.
Risk Metrics
| Beta vs SPX | 0.89 |
|---|---|
| Corr SPX | 0.49 |
| Annual vol | 29.1% |
| Annual ret | +23.0% |
| Sharpe | 0.79 |
| Max DD | -26.8% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-22 | Earnings Release, Exhibits | read |
| 2026-07-14 | Material Agreement, Other Material Event… | read |
| 2026-06-12 | Other Material Event, Exhibits | read |
| 2026-04-29 | Shareholder Vote | read |
| 2026-04-28 | Officer / Director Change, Exhibits | read |
| 2026-04-22 | Earnings Release, Exhibits | read |
| 2026-03-13 | Other Material Event, Exhibits | read |
| 2026-03-02 | Officer / Director Change | read |
| 2026-01-27 | Officer / Director Change, Other Material Event… | read |
| 2026-01-21 | Earnings Release, Exhibits | read |
| 2025-12-12 | Other Material Event, Exhibits | read |
| 2025-10-30 | Officer / Director Change, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-06-29 | MOORE RICHARD H | Chief Executive Officer | Withheld for tax | 2.10K | $133.16K |
| 2026-06-29 | CURRIE GREGORY A | Chief Exec. Officer-First | Withheld for tax | 2.10K | $133.16K |
| 2026-06-29 | Bostian Elizabeth B | Chief Financial Officer | Withheld for tax | 1.89K | $119.88K |
| 2026-06-23 | Hicks Thomas Brent | Chief Accounting Officer | Grant | 1.09K | $67.43K |
| 2026-06-23 | Wilson Christian Anthony | Chief Operating Officer | Grant | 2.90K | $180.01K |
| 2026-06-23 | Bostian Elizabeth B | Chief Financial Officer | Grant | 3.39K | $210.03K |
| 2026-06-23 | CURRIE GREGORY A | Chief Exec. Officer-First | Grant | 7.74K | $480.05K |
| 2026-06-23 | MOORE RICHARD H | Chief Executive Officer | Grant | 9.67K | $600.02K |
| 2026-06-15 | Hans Peter | Grant | 863 | $50.05K | |
| 2026-06-15 | Nevin Katharine Caldwell | Grant | 863 | $50.05K |
Flow & Concentration
| Insider 180d net | $0 |
|---|---|
| Insider buys / sells | 0 / 0 |
| Insider bias | Neutral |
| 13F holders | 8 |
| Top-5 share | 98.9% |
| HHI | 4,237 (concentrated) |
Top Holders
| Holder | Value | Shares |
|---|---|---|
| State Street Corp | $234.67M | 9.00M |
| Fidelity / FMR LLC | $157.45M | 6.04M |
| Renaissance Technologies | $21.61M | 828.81K |
| Capital Research / Capital World | $10.25M | 393.33K |
| AQR Capital Management | $7.06M | 270.93K |
| Citadel Advisors | $3.30M | 126.66K |
| Millennium Management | $1.37M | 52.66K |
| T. Rowe Price Group | $130.43K | 5.00M |
As of 2026-06-30
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $70.12M | +100.5% | |
| Net income | $111.05M | +22.2% | |
| Cash from ops | $131.40M | +5.7% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $62.99 | $63.97 | $62.88 | $63.50 | 210.40K |
| Sep 24 | $62.56 | $63.12 | $62.10 | $62.80 | 155.50K |
| Sep 23 | $62.77 | $63.48 | $62.06 | $62.22 | 173.20K |
| Sep 22 | $62.90 | $63.34 | $62.28 | $63.02 | 234.00K |
| Sep 21 | $63.62 | $63.94 | $62.69 | $62.75 | 192.20K |
Understand the score. Research layers are inputs to a model, and the available data has limits.
Read the methodology →