Stocktoria
FIRST BANCORP /NC/ FBNC
FIRST BANCORP /NC/ (FBNC) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 1.42% (safety: safe). FY2025 revenue was $67.6M at a 164.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-04-23 | Keefe, Bruyette & Woods | Outperform (main) |
| 2026-02-09 | Piper Sandler | Neutral (down) |
| 2026-01-07 | Raymond James | Strong Buy (up) |
| 2025-09-02 | Keefe, Bruyette & Woods | Outperform (main) |
| 2025-08-01 | Piper Sandler | Neutral (main) |
| 2025-07-28 | Stephens & Co. | Overweight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FBNC | FIRST BANCORP /NC/ | 5/9 | — | 23.7 | -3.6% |
| TMP | TOMPKINS FINANCIAL CORP | 3/9 | — | 8.4 | -4.5% |
| CATY | CATHAY GENERAL BANCORP | 6/9 | — | 13.2 | +2.9% |
| TCBK | TRICO BANCSHARES / | 6/9 | — | 14.2 | +4.1% |
| CPF | CENTRAL PACIFIC FINANCIAL CORP | 7/9 | — | 12.8 | +33.8% |
| MCHB | Mechanics Bancorp | 3/9 | — | 13.9 | +3.3% |
| PEBO | PEOPLES BANCORP INC | 4/9 | — | 13 | +2.3% |
All Finance, Insurance & Real Estate companies →
About FIRST BANCORP /NC/
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.
FAQ
Is FBNC financially healthy?
FIRST BANCORP /NC/'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does FBNC pay a dividend, and is it safe?
Yes. FIRST BANCORP /NC/ pays a dividend yielding about 1.42% with a 33.6% payout ratio, rated “safe” for safety.
How profitable is FBNC?
In FY2025, FIRST BANCORP /NC/ had a net margin of 164.2% and a return on equity of 6.7%.
Is FBNC overvalued or undervalued?
FIRST BANCORP /NC/ trades at about 24.5× trailing earnings — above its 10-year norm (10-year range 9.7×–24.0×, median 13.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for FBNC?
The average Wall-Street price target for FIRST BANCORP /NC/ is $66.35, about 1.0% above the recent price, from 5 analysts.
Is FBNC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FIRST BANCORP /NC/: a Piotroski F-score of 5/9, a P/E of about 23.7×, a dividend yield of 1.42%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.