$58.28
0.47 (-0.80%)
Last updated: Apr 16, 2026 00:57
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)
-44.6% downside vs price
Profitability
Risk (Beta)
0.86 — 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+ · 3M vs S&P 500: +8.2% · 3M vs Financial Services sector: +14.6%
Pressures (Sell):
DCF 44.6% 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: 2, Market Outperform: 2, Market Perform: 2, Neutral: 3, Outperform: 13, 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 $32.28; current price is $58.28. That’s a -44.6% 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) | 21.7 |
| DCF value (model) | $32.28 (-44.6% vs price) |
| PEG (TTM) | 0.47 |
| P/B (TTM) | 1.46 |
| P/S (TTM) | 4.45 |
| P/FCF (TTM) | 12.15 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.24 |
| Quick Ratio (TTM) | 0.24 |
| Cash Ratio (TTM) | 0.02 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 20.45% |
| Gross margin (TTM) | 70.11% |
| Operating margin (TTM) | 26.56% |
| Debt to equity (TTM) | N/A |
Latest News
News loads when you open this tab.
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 |
|---|---|---|---|---|
| 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 |
| DA Davidson | upgrade | Neutral | Buy | 2023-09-13 |
| Raymond James | downgrade | Outperform | Market Perform | 2023-07-31 |
| Raymond James | downgrade | Outperform | Market Perform | 2023-07-30 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2023-07-27 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2023-07-26 |
| Raymond James | maintain | Outperform | Outperform | 2023-05-01 |
| Raymond James | maintain | Outperform | Outperform | 2023-04-30 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2023-04-27 |
| Piper Sandler | maintain | Overweight | Overweight | 2023-04-27 |
| Piper Sandler | maintain | Overweight | Overweight | 2023-04-26 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2023-04-26 |
| Raymond James | maintain | Outperform | Outperform | 2023-04-06 |
| Raymond James | maintain | Outperform | Outperform | 2023-04-05 |
| Raymond James | maintain | Market Outperform | Market Outperform | 2023-01-30 |
| Raymond James | maintain | Market Outperform | Market Outperform | 2023-01-29 |
| Piper Sandler | maintain | Overweight | Overweight | 2023-01-26 |