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) | $410.72M |
| Gross Profit (TTM) | $410.72M |
| EBITDA | — |
| Operating Margin | 51.20% |
| Return on Equity | 8.14% |
| Return on Assets | 1.04% |
| Revenue/Share (TTM) | $9.98 |
| Book Value | $41.49 |
| Price-to-Book | 1.51 |
| Price-to-Sales (TTM) | 6.47 |
| EV/Revenue | 6.35 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | 31.10% |
| Quarterly Revenue Growth (YoY) | 15.90% |
| Shares Outstanding | $41.38M |
| Float | $40.68M |
| % Insiders | 2.00% |
| % Institutions | 84.07% |
Volatility is currently expanding
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.
Second Quarter 2026 Financial Data (Dollars in 000s, except per share data) Q2-2026 Q1-2026 Q2-2025 Summary Income Statement Total interest income $ 148,315 $ 142,390 $ 136,731 Total interest expense 37,049 35,274 40,065 Net interest income 111,266 107,116 96,666 Provision for credit losses 1,169 3,083 2,212 Noninterest income 16,034 15,178 14,292 Noninterest expenses 62,761 60,218 58,924 Income tax expense 12,851 12,334 11,256 Net income $ 50,519 $ 46,659 $ 38,566 Key Metrics Diluted EPS $ 1.22 $ 1.13 $ 0.93 Book value per share 41.49 40.68 37.53 Tangible book value per share 29.84 29.01 25.82 ROA 1.56 % 1.48 % 1.24 % ROCE 11.89 % 11.22 % 10.11 % ROTCE 16.88 % 16.05 % 15.25 % NIM 3.71 % 3.67 % 3.32 % NIM- T/E 3.73 % 3.69 % 3.32 % Efficiency ratio 49.12 % 49.05 % 53.00 % Quarterly NCO ratio 0.04 % 0.06 % 0.06 % ACL ratio 1.39 % 1.42 % 1.47 % Capital Ratios (1) Tangible common equity to tangible assets 9.83 % 9.63 % 8.83 % Common equity tier I capital ratio 14.09 % 14.13 % 14.64 % Total risk-based capital ratio 16.06 % 16.12 % 16.90 % (1) June 30, 2026 ratios are preliminary. Second Quarter 2026 Highlights D-EPS was $1.22 per share for the second quarter of 2026 compared to $1.13 for the linked quarter and $0.93 for the like quarter.
Investors need to pay close attention to FBNC stock based on the movements in the options market lately.
SOUTHERN PINES, N.C. and FLORENCE, S.C.
First BanCorp is rated Buy for its superior profitability and efficiency despite Puerto Rico's challenging economic environment. FBP outperforms peers in ROA, efficiency ratio, and asset quality, with non-performing loans at 0.67% and high loan loss reserves. Capital returns are robust, with 97% of Q1 2026 earnings returned via dividends and buybacks, though earnings growth remains subdued.
First Bancorp (FBNC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
SOUTHERN PINES, N.C., April 30, 2026 /PRNewswire/ -- First Bank, a subsidiary of First Bancorp (NASDAQ: FBNC), has appointed Andy Scott as Triangle Regional Executive.
SOUTHERN PINES, N.C., April 28, 2026 /PRNewswire/ -- First Bancorp (NASDAQ: FBNC), the parent company of First Bank (collectively, the "Company"), today announced the appointment of Kate Nevin and Peter Hans to its Board of Directors, effective immediately.
Although the revenue and EPS for First Bancorp (FBNC) give a sense of how its business performed in the quarter ended March 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
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