First Bancorp
FBNCFinancial ServicesNASDAQBanks - Regional · Last scanned May 29, 2026
Scan Results
Daily timeframe1 of 4 indicators bearish as of May 28
First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and businesses. With a market capitalization of $2.43B, it sits in mid-cap territory. The company accepts deposit products, such as checking, savings, and money market accounts; and time deposits, including certificate of deposits and individual retirement accounts.
Market Cap
$2.43B
Beta
0.83
P/E (TTM)
20.01
P/E (Fwd)
11.54
EPS (TTM)
$2.93
EPS (Fwd)
$5.08
ROE
7.6%
ROA
1.0%
Cash
$598.0M
Total Debt
$89.2M
Free CF
—
52W Change
41.8%
Annual Financials
Cash vs Debt
With $598.0M in cash and $89.2M in debt, FBNC maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 7.6%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $391.6M (2022) to $384.0M (2025).
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence First Bancorp's trajectory.