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First Bancorp

NSQ:FBNC · US3189101062
BanksSmall

360

73
Profit price19
Cash yield43
Price/Sales7
EV / Gross Profit37
Price/Book12
Returns on capital43
Profit margins—
Cash Conversion81
Accruals20
Owner Earnings Margin74
Sales growth75
Profit Growth67
Owner Earnings Growth61
Reinvestment73
Price momentum84
Debt load64
Debt serviceability5
Liquidity90
Analyst ratings75
Opinion Changes50
Price Target Upside67
Market mood65
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1983
Employees755
Websitelocalfirstbank.com
ISINUS3189101062
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
BankingFinancial Services

Description

First Bancorp, and its wholly owned subsidiary, owns and operates First Bank (the bank), a state-chartered bank. The company engages in a full range of banking activities. As of December 31, 2025, the bank had two wholly-owned subsidiaries, Magnolia…

Analysis

Hope premium

First Bancorp carries what we call a hope premium: an average business trading at an ambitious price.

The price is fair. You pay 19.7× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is solid and the balance sheet is sturdy. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
81
2023202420252026

All-time high

81

Jun 2026

All-time low

12

Jan 2024

Average rank

54

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
7
18
26
30
Price/Earnings
23
26
21
34
Price/Book
12
43
45
35
Dividend Yield
43
25
23
27
Value (overall)
14
13
5
19

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →