FBNC | Ticker Profile - Titan Protect

FBNC

First Bancorp

Financial Services · Banks - Regional · NMS

$59.27

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$2.4B

Total market value of the company

Trailing P/E

20.05

Premium valuation

Forward P/E

11.56

Based on estimated future earnings — lower means cheaper

Rev Growth

+13.9%

Year-over-year revenue change

Profit Margin

30.8%

How much profit the company keeps from each dollar of revenue

ROE

7.6%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$67.00

+13% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 4 analysts covering this stock

About First Bancorp

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. The company was founded in 1934 and is headquartered in Southern Pines, North Carolina.

https://localfirstbank.com

Country: United States Employees: 1,353 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

1.234

Excellent risk-adjusted returns

Kelly Fraction

0.0888

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

1.562

Returns exceed worst-case losses — strong risk profile

Annual Return

40.6%

Historical annualised return based on price data

Max Drawdown

-26.0%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.83

Less volatile than the market — more defensive

52W High

$62.64

5% below the year high

52W Low

$40.00

48% above the year low

Avg Volume

215,554

Average daily shares traded — higher means easier to buy and sell

Short Ratio

9.3

Days it would take all short sellers to cover — higher means more crowded

Short % Float

5.6%

Moderate short interest

Div Yield

163.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$2.93

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

50.5%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$393M

Total revenue over the last 12 months

Net Income

$121M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$68.00

Target Median

$67.00

Target Low

$64.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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