First Bancorp (FBNC) Stock Score, Valuation & Financial Research
First Bancorp is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 49/100.
Quick answer for FBNC
First Bancorp currently has a Wall Street Score of 49/100. The stored market price is $64.3. Its financial score is 62/100. Its valuation score is 75/100. The latest WSS change is -0.9 points. These figures are a research snapshot, not a buy or sell recommendation.
What First Bancorp does
First Bancorp (FBNC) functions as the parent company of First Bank, offering a diverse array of financial solutions to individuals and small to medium-sized businesses. Its operational focus is primarily within North Carolina and the northeastern region of South Carolina. The institution provides various deposit options, such as transactional accounts (checking, savings, money market) and fixed-term products, including certificates of deposit and individual retirement accounts. For its lending portfolio, First Bank extends credit for a wide range of consumer and commercial purposes. This encompasses financing for businesses, real estate, personal needs, home improvements, and vehicle purchases, alongside residential mortgages and Small Business Administration (SBA) loans. Additionally, it offers specialized commercial funding options like accounts receivable financing, factoring, invento
FBNC financial snapshot
- Wall Street Score:
- 49/100
- Current price:
- $64.3
- Market capitalization:
- $2.66B
- Revenue:
- $428.0M
- Net income:
- $133.3M
- Free cash flow:
- $198.9M
- Cash:
- $128.4M
- Total debt:
- $74.7M
- EPS:
- 3.22
- P/E ratio:
- 20.0x
- Financial score:
- 62/100
- Valuation score:
- 75/100
- Revenue score:
- 19/100
What stands out
- Reported year-over-year revenue growth is -0.2%.
- Free cash flow is $198.9M, showing positive cash generation.
- The balance sheet shows $128.4M of cash versus $74.7M of total debt, leaving more cash than debt.
- The latest Wall Street Score change is -0.9 points: FBNC decreased 0.9 points because Valuation declined by 7.2 points.
What the numbers mean
Its current valuation score is 75/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 62/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research FBNC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.