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FBNC 
First Bancorp (FBNC)
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Upturn Advisory Summary
12/08/2025: FBNC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $58.75
1 Year Target Price $58.75
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 36.85% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/08/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.12B USD | Price to earnings Ratio 21.51 | 1Y Target Price 58.75 |
Price to earnings Ratio 21.51 | 1Y Target Price 58.75 | ||
Volume (30-day avg) 5 | Beta 0.91 | 52 Weeks Range 34.17 - 56.21 | Updated Date 12/9/2025 |
52 Weeks Range 34.17 - 56.21 | Updated Date 12/9/2025 | ||
Dividends yield (FY) 1.76% | Basic EPS (TTM) 2.38 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.11% | Operating Margin (TTM) 31.74% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 6.42% |
Valuation
Trailing PE 21.51 | Forward PE 14.64 | Enterprise Value 1632032896 | Price to Sales(TTM) 5.82 |
Enterprise Value 1632032896 | Price to Sales(TTM) 5.82 | ||
Enterprise Value to Revenue 5.84 | Enterprise Value to EBITDA - | Shares Outstanding 41465329 | Shares Floating 40686195 |
Shares Outstanding 41465329 | Shares Floating 40686195 | ||
Percent Insiders 3.55 | Percent Institutions 81.64 |
Upturn AI SWOT
First Bancorp
Company Overview
History and Background
First Bancorp (symbol: FBNC) was founded in 1997 and is a bank holding company headquartered in Troy, North Carolina. It has grown through a combination of organic expansion and strategic acquisitions, establishing a significant presence in North Carolina and South Carolina. The company has evolved from a regional community bank into a larger, diversified financial institution.
Core Business Areas
- Community Banking: Offers a full range of traditional banking services including checking and savings accounts, money market accounts, certificates of deposit, personal and commercial loans, and lines of credit.
- Mortgage Banking: Provides residential mortgage lending services, originating and selling residential mortgage loans.
- Wealth Management: Offers financial planning, investment management, trust services, and retirement planning services to individuals and businesses.
Leadership and Structure
First Bancorp is led by a Board of Directors and a senior management team responsible for its strategic direction and operational oversight. The company operates through its wholly-owned subsidiary, First Bank, which has a branch network and various departments serving its customer base.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products offering various features and interest rates. Competitors include virtually all commercial banks and credit unions in its operating regions.
- Commercial Loans: Provides financing for small and medium-sized businesses, including term loans, lines of credit, and equipment financing. Competitors include regional banks, national banks, and community banks operating in the same geographic areas.
- Residential Mortgages: Offers a variety of mortgage products for home purchases and refinancing. Competitors include mortgage lenders, other banks, and credit unions.
Market Dynamics
Industry Overview
The US banking industry is characterized by intense competition, evolving regulatory landscapes, and increasing digital adoption. Community banks like First Bancorp focus on personalized service and local market knowledge to differentiate themselves from larger national institutions.
Positioning
First Bancorp positions itself as a community-focused bank, emphasizing strong customer relationships, local decision-making, and tailored financial solutions. Its competitive advantages lie in its deep understanding of its regional markets and its commitment to personalized service.
Total Addressable Market (TAM)
The TAM for community banking services in the US is substantial, encompassing deposits, loans, and wealth management services for individuals and businesses. First Bancorp is positioned to capture a significant portion of this market within its specific geographic footprint in North and South Carolina, which represents a growing and dynamic economic region.
Upturn SWOT Analysis
Strengths
- Strong community ties and customer loyalty in its operating regions.
- Experienced management team with deep knowledge of local markets.
- Diversified revenue streams through banking, mortgage, and wealth management.
- Solid capital position.
Weaknesses
- Smaller scale compared to national banks, potentially limiting reach and economies of scale.
- Reliance on interest rate sensitivity for a significant portion of its revenue.
- Geographic concentration in North and South Carolina.
Opportunities
- Expansion into adjacent geographic markets through organic growth or acquisitions.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Growing demand for wealth management services.
- Potential for increased market share through mergers and acquisitions of smaller banks.
Threats
- Intensifying competition from larger banks and fintech companies.
- Rising interest rate environment could increase funding costs.
- Economic downturn impacting loan demand and credit quality.
- Evolving regulatory environment and compliance costs.
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- PNC Financial Services Group, Inc. (PNC)
- Bank of America Corporation (BAC)
- Wells Fargo & Company (WFC)
- First Citizens BancShares, Inc. (FCNCA)
Competitive Landscape
First Bancorp faces significant competition from larger national banks with broader reach and greater resources, as well as other regional and community banks. Its advantages lie in its deep local market knowledge, personalized service, and agility. However, it may struggle to compete on price or technological innovation with the largest players.
Growth Trajectory and Initiatives
Historical Growth: First Bancorp has exhibited consistent historical growth in assets, deposits, and loans, driven by strategic expansion and a focus on its core markets. Acquisitions have also played a role in its expansion over the years.
Future Projections: Analyst projections for First Bancorp typically indicate continued modest growth in earnings and revenue, assuming a stable economic environment and successful execution of its growth strategies. Focus areas include expanding its loan portfolio, growing non-interest income, and managing operational costs effectively.
Recent Initiatives: Recent initiatives may include the enhancement of digital banking platforms, strategic branch optimization, targeted marketing campaigns to attract new customers, and potentially pursuing accretive acquisitions to expand its footprint or service offerings.
Summary
First Bancorp is a stable community bank with a strong regional presence and a loyal customer base. Its diversified business model, focusing on community banking, mortgage, and wealth management, provides resilience. While facing competition from larger institutions, its local expertise and personalized service are key strengths. Continued investment in digital offerings and strategic expansion are crucial for sustained growth and navigating an evolving financial landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial News and Analysis Websites
- Industry Research Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data and competitor analysis are estimates and may vary based on the scope and methodology of different reports.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Bancorp
Exchange NASDAQ | Headquaters Southern Pines, NC, United States | ||
IPO Launch date 1992-12-09 | Chairman & CEO Mr. Richard Hancock Moore | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1352 | Website https://localfirstbank.com |
Full time employees 1352 | Website https://localfirstbank.com | ||
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. First Bancorp was founded in 1934 and is headquartered in Southern Pines, North Carolina.
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