First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.
| Revenue (TTM) | $453.20M |
| Gross Profit (TTM) | $453.20M |
| EBITDA | — |
| Operating Margin | 51.50% |
| Return on Equity | 9.90% |
| Return on Assets | 1.27% |
| Revenue/Share (TTM) | $10.99 |
| Book Value | $41.38 |
| Price-to-Book | 1.57 |
| Price-to-Sales (TTM) | 5.90 |
| EV/Revenue | 5.87 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | 152.30% |
| Quarterly Revenue Growth (YoY) | 49.30% |
| Shares Outstanding | $41.40M |
| Float | $40.58M |
| % Insiders | 1.93% |
| % Institutions | 84.20% |
Volatility is currently expanding
Strategic investment strengthens First Bank's presence and supports growth in the Charlotte market CHARLOTTE, N.C., Nov. 6, 2026 /PRNewswire/ -- First Bank, a subsidiary of First Bancorp (NASDAQ: FBNC), announced the opening of its new SouthPark branch and office, marking an important milestone for the bank and a significant investment in its continued growth in Charlotte.
First BanCorp. NYSE: FBP reported third-quarter net income of $96.1 million, or $0.63 per share, as stable credit quality and commercial loan growth helped offset softer net interest income, lower non-interest income and higher operating expenses.
Although the revenue and EPS for First Bancorp (FBNC) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Third Quarter 2026 Financial Data (Dollars in 000s, except per share data) Q3-2026 Q2-2026 Q3-2025 Summary Income Statement Total interest income $ 153,979 $ 148,315 $ 144,233 Total interest expense 39,182 37,049 41,711 Net interest income 114,797 111,266 102,522 Provision for credit losses 1,300 1,169 3,442 Noninterest income 15,117 16,034 (12,952) Noninterest expenses 63,991 62,761 60,171 Income tax expense 13,347 12,851 5,594 Net income $ 51,276 $ 50,519 $ 20,363 Key Metrics Diluted EPS $ 1.24 $ 1.22 $ 0.49 Adjusted diluted EPS (1) 1.24 1.22 1.01 Book value per share 41.38 41.49 38.67 Tangible book value per share 29.77 29.84 26.98 ROA 1.55 % 1.56 % 0.64 % Adjusted ROA (1) 1.56 % 1.56 % 1.31 % ROCE 11.71 % 11.89 % 5.14 % Adjusted ROCE (1) 11.79 % 11.89 % 10.55 % ROTCE 16.48 % 16.88 % 7.83 % Adjusted ROTCE (1) 16.59 % 16.88 % 15.66 % NIM 3.75 % 3.71 % 3.46 % NIM- T/E 3.76 % 3.73 % 3.47 % Efficiency ratio 49.09 % 49.12 % 66.92 % Quarterly NCO ratio 0.09 % 0.04 % 0.14 % ACL ratio 1.36 % 1.39 % 1.44 % Capital Ratios (2) Tangible common equity to tangible assets 9.73 % 9.83 % 9.12 % Common equity tier I capital ratio 14.26 % 14.09 % 14.35 % Total risk-based capital ratio 16.22 % 16.06 % 16.58 % (1) Q3-2026 adjusted to exclude impact of merger expenses of $0.5 million (after tax $0.3 million). Q3-2025 adjusted to exclude impact of securities loss of $27.9 million (after tax $21.4 million) See Appendices D, E, F, G and I.
First Bancorp (FBNC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
First Bancorp (FBNC) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
SOUTHERN PINES, N.C., Sept. 15, 2026 /PRNewswire/ -- The Board of Directors of First Bancorp (NASDAQ: FBNC) (the "Company"), the parent company of First Bank, has declared a cash dividend on its common stock of $0.24 per share payable on October 23, 2026 to shareholders of record as of September 30, 2026.
First BanCorp has delivered outsized returns, outperforming the S&P 500 since my bullish stance in December. FBP's asset quality remains impressive, with strong returns on assets (2.02%) and equity (19.49%) despite elevated valuation multiples. Net interest margin improved to 4.87%, and the bank is well-positioned to benefit further from rising interest rates.
The headline numbers for First Bancorp (FBNC) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
First Bancorp (FBNC) came out with quarterly earnings of $1.22 per share, beating the Zacks Consensus Estimate of $1.15 per share. This compares to earnings of $0.93 per share a year ago.
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