First Carolina Financial Services (FCBM) Stock Score, Valuation & Financial Research
First Carolina Financial Services 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 37/100.
Quick answer for FCBM
First Carolina Financial Services currently has a Wall Street Score of 37/100. The stored market price is $12.96. Its financial score is 50/100. Its valuation score is 39/100. These figures are a research snapshot, not a buy or sell recommendation.
What First Carolina Financial Services does
First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses. The company offers business services including checking, savings, and money market deposit accounts, certificates of deposit, individual retirement accounts, and CARS; commercial financing, real estate loans, and consumer loans; credit and debit cards; IntraFi Cash, remote deposit capture, treasury management, merchant services, and wealth management services; higher education solutions, attorney advantage accounts, and interest on lawyer trust accounts; payments services; consumer banking; real estate banking; commercial and industrial banking; higher education disbursements; BankMobile platform; retail banking; and trust and fiduciary services. The company offers personal services that include deposit solutions such
FCBM financial snapshot
- Wall Street Score:
- 37/100
- Current price:
- $12.96
- Market capitalization:
- $392.0M
- Revenue:
- $212.0M
- Net income:
- $12.2M
- Free cash flow:
- $32.0M
- Cash:
- $118.8M
- Total debt:
- $113.5M
- EPS:
- 0.40
- P/E ratio:
- 32.4x
- Financial score:
- 50/100
- Valuation score:
- 39/100
- Revenue score:
- 51/100
What stands out
- Reported year-over-year revenue growth is +2.0%.
- Free cash flow is $32.0M, showing positive cash generation.
- The balance sheet shows $118.8M of cash versus $113.5M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 39/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 50/100. 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 FCBM
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.