Fundamentals Overview
First Bancorp is near the high of its 52-week range with moderate valuation, trading relatively flat today.
Valuation moderate
Intrinsic value (DCF)
-48.9% downside vs price
Profitability
Risk (Beta)
0.82 — in line vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Analyst grade: B+
Pressures (Sell):
DCF 48.9% downside vs price · Sentiment weakening (4 downgrades)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B+. Recent institutional grades: majority downgrades. Current institutional positions: Buy: 1, Market Outperform: 1, Market Perform: 1, Neutral: 4, Outperform: 15, Overweight: 7, Strong Buy: 1.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $32.72; current price is $63.98. That’s a -48.9% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 21.81 |
| DCF value (model) | $32.72 (-48.9% vs price) |
| PEG (TTM) | 0.56 |
| P/B (TTM) | 1.57 |
| P/S (TTM) | 4.76 |
| P/FCF (TTM) | 12.86 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 1717.54 |
| Quick Ratio (TTM) | 1717.54 |
| Cash Ratio (TTM) | 107.88 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 21.81% |
| Gross margin (TTM) | 71.28% |
| Operating margin (TTM) | 28.12% |
| Debt to equity (TTM) | N/A |
Latest News
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for FBNC.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2026-04-23 |
| Piper Sandler | downgrade | Overweight | Neutral | 2026-02-09 |
| Raymond James | upgrade | Market Perform | Strong Buy | 2026-01-07 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-09-02 |
| Piper Sandler | maintain | Neutral | Neutral | 2025-08-01 |
| Stephens & Co. | maintain | Overweight | Overweight | 2025-07-28 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-07-24 |
| Stephens & Co. | maintain | Overweight | Overweight | 2025-04-28 |
| Stephens& Co. | maintain | Overweight | Overweight | 2025-04-28 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-04-24 |
| Janney Montgomery Scott | downgrade | Buy | Neutral | 2025-02-07 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2024-12-04 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2024-07-25 |
| Piper Sandler | maintain | Overweight | Overweight | 2023-10-26 |
| DA Davidson | upgrade | Neutral | Buy | 2023-09-14 |
| Raymond James | downgrade | Outperform | Market Perform | 2023-07-31 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2023-07-27 |
| Raymond James | maintain | Outperform | Outperform | 2023-05-01 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2023-04-27 |
| Piper Sandler | maintain | Overweight | Overweight | 2023-04-27 |
| Raymond James | maintain | Outperform | Outperform | 2023-04-06 |
| Raymond James | maintain | Market Outperform | Market Outperform | 2023-01-30 |
| Piper Sandler | maintain | Overweight | Overweight | 2023-01-26 |
| Raymond James | maintain | Outperform | Outperform | 2022-10-31 |
| Raymond James | maintain | Outperform | Outperform | 2022-10-06 |
| Piper Sandler | upgrade | Neutral | Overweight | 2022-08-18 |
| Raymond James | maintain | Outperform | Outperform | 2022-08-01 |
| DA Davidson | downgrade | Buy | Neutral | 2022-08-01 |
| Raymond James | maintain | Outperform | Outperform | 2022-06-23 |
| Raymond James | maintain | Outperform | Outperform | 2022-05-02 |