First Bancorp
FBNCFinancial ServicesNASDAQBanks - Regional
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Daily timeframeFirst Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and businesses. The company carries a $2.67B market cap, placing it firmly in the mid-cap category. 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
$2.67B
Beta
0.85
P/E (TTM)
16.23
P/E (Fwd)
12.68
EPS (TTM)
$3.97
EPS (Fwd)
$5.08
ROE
9.9%
ROA
1.3%
Cash
$451.7M
Total Debt
$74.8M
Free CF
—
52W Change
29.7%
Annual Financials
Cash vs Debt
Where FBNC stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, FBNC finished 0.82% below its 150-day moving average ($60.65) and 0.74% above its 200-day moving average ($59.71). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is FBNC overbought or oversold?
At the October 20, 2026 close, FBNC's RSI(14) was 40.0, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $451.7M in cash and $74.8M 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 9.9%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.3% 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. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for First Bancorp and its sector.