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Stocks · Financials · State Commercial Banks

FIRST BANCORP /NC/

FBNC Clue Score59
United States Fiscal year ends December CIK 0000811589
$59.17 -0.94% Close, 9 Oct 2026
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Price $59.17 +18.93% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income0.03EPS, diluted1.33Fiscal year 2017Net income0.05 +67.1%EPS, diluted1.82 +36.8%Fiscal year 2018Net income0.09 +94.2%EPS, diluted3.01 +65.4%Fiscal year 2019Net income0.09 +3.1%EPS, diluted3.10 +3.0%Fiscal year 2020Net income0.08 −11.5%EPS, diluted2.81 −9.4%Fiscal year 2021Revenue0.03Net income0.10 +17.4%EPS, diluted3.19 +13.5%Fiscal year 2022Revenue0.02 −31.1%Net income0.15 +53.6%EPS, diluted4.12 +29.2%Fiscal year 2023Revenue0.03 +88.1%Net income0.10 −29.1%EPS, diluted2.53 −38.6%Fiscal year 2024Revenue0.07 +113.7%Net income0.08 −26.8%EPS, diluted1.84 −27.3%Fiscal year 2025Revenue0.07 −3.6%Net income0.11 +45.7%EPS, diluted2.68 +45.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a n/a n/a n/a 0.03 0.02 0.03 0.07 0.07
Growth −31.1% +88.1% +113.7% −3.6%
Net income 0.03 0.05 0.09 0.09 0.08 0.10 0.15 0.10 0.08 0.11
Growth +67.1% +94.2% +3.1% −11.5% +17.4% +53.6% −29.1% −26.8% +45.7%
EPS, diluted 1.33 1.82 3.01 3.10 2.81 3.19 4.12 2.53 1.84 2.68
Growth +36.8% +65.4% +3.0% −9.4% +13.5% +29.2% −38.6% −27.3% +45.7%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Fiscal year 2019Fiscal year 2020Fiscal year 2021Net margin377.7%Free cash flow margin524.9%Fiscal year 2022Net margin842.1%Free cash flow margin1,291.6%Fiscal year 2023Net margin317.3%Free cash flow margin386.9%Fiscal year 2024Net margin108.7%Free cash flow margin245.5%Fiscal year 2025Net margin164.2%Free cash flow margin294.1%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a n/a n/a n/a 377.7% 842.1% 317.3% 108.7% 164.2%
Free cash flow margin n/a n/a n/a n/a n/a 524.9% 1,291.6% 386.9% 245.5% 294.1%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.04Capital expenditure−0.01Free cash flow0.03Dividends paid−0.01Fiscal year 2017Operating cash flow0.03Capital expenditure−0.00Free cash flow0.02 −31.9%Buybacks0.00Dividends paid−0.01Fiscal year 2018Operating cash flow0.05Capital expenditure−0.01Free cash flow0.04 +60.9%Buybacks0.00Dividends paid−0.01Fiscal year 2019Operating cash flow0.05Capital expenditure−0.00Free cash flow0.05 +33.7%Buybacks−0.01Dividends paid−0.01Fiscal year 2020Operating cash flow0.06Capital expenditure−0.01Free cash flow0.05 −3.6%Buybacks−0.03Dividends paid−0.02Fiscal year 2021Operating cash flow0.14Capital expenditure−0.01Free cash flow0.13 +189.2%Buybacks−0.00Dividends paid−0.02Fiscal year 2022Operating cash flow0.23Capital expenditure−0.01Free cash flow0.23 +69.5%Buybacks0.00Dividends paid−0.03Fiscal year 2023Operating cash flow0.13Capital expenditure−0.00Free cash flow0.13 −43.7%Buybacks0.00Dividends paid−0.03Fiscal year 2024Operating cash flow0.17Capital expenditure−0.00Free cash flow0.17 +35.6%Buybacks0.00Dividends paid−0.04Fiscal year 2025Operating cash flow0.20Capital expenditure−0.00Free cash flow0.20 +15.5%Buybacks−0.00Dividends paid−0.04
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.04 0.03 0.05 0.05 0.06 0.14 0.23 0.13 0.17 0.20
Capital expenditure −0.01 −0.00 −0.01 −0.00 −0.01 −0.01 −0.01 −0.00 −0.00 −0.00
Free cash flow 0.03 0.02 0.04 0.05 0.05 0.13 0.23 0.13 0.17 0.20
Growth −31.9% +60.9% +33.7% −3.6% +189.2% +69.5% −43.7% +35.6% +15.5%
Buybacks n/a 0.00 0.00 −0.01 −0.03 −0.00 0.00 0.00 0.00 −0.00
Dividends paid −0.01 −0.01 −0.01 −0.01 −0.02 −0.02 −0.03 −0.03 −0.04 −0.04

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.31Shareholders’ equity0.37Fiscal year 2017Cash0.49Total debt0.41Net cash (debt)0.08Shareholders’ equity0.69Debt to equity0.59Fiscal year 2018Cash0.46Total debt0.41Net cash (debt)0.06Shareholders’ equity0.76Debt to equity0.53Fiscal year 2019Cash0.23Total debt0.30Net cash (debt)−0.07Shareholders’ equity0.85Debt to equity0.35Fiscal year 2020Cash0.37Total debt0.06Net cash (debt)0.31Shareholders’ equity0.89Debt to equity0.07Fiscal year 2021Cash0.46Total debt0.07Net cash (debt)0.39Shareholders’ equity1.23Debt to equity0.05Fiscal year 2022Cash0.27Total debt0.29Net cash (debt)−0.02Shareholders’ equity1.03Debt to equity0.28Fiscal year 2023Cash0.24Total debt0.63Net cash (debt)−0.39Shareholders’ equity1.37Debt to equity0.46Fiscal year 2024Cash0.51Total debt0.09Net cash (debt)0.42Shareholders’ equity1.45Debt to equity0.06Fiscal year 2025Cash0.31Total debt0.07Net cash (debt)0.24Shareholders’ equity1.65Debt to equity0.05
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.31 0.49 0.46 0.23 0.37 0.46 0.27 0.24 0.51 0.31
Total debt n/a 0.41 0.41 0.30 0.06 0.07 0.29 0.63 0.09 0.07
Net cash (debt) n/a 0.08 0.06 −0.07 0.31 0.39 −0.02 −0.39 0.42 0.24
Shareholders’ equity 0.37 0.69 0.76 0.85 0.89 1.23 1.03 1.37 1.45 1.65
Debt to equity n/a 0.59 0.53 0.35 0.07 0.05 0.28 0.46 0.06 0.05

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a n/a n/a n/a 475.1% 1,061.5% 402.1% 139.9% 206.3%
n/a n/a n/a n/a n/a 377.7% 842.1% 317.3% 108.7% 164.2%
n/a n/a n/a n/a n/a 524.9% 1,291.6% 386.9% 245.5% 294.1%
Spending
n/a n/a n/a n/a n/a 37.1% 30.3% 13.5% 3.8% 6.3%
34.7% 32.1% 21.3% 20.8% 21.0% 20.5% 20.7% 21.1% 22.3% 20.4%
Returns
7.5% 6.6% 11.7% 10.8% 9.1% 7.8% 14.2% 7.6% 5.3% 6.7%
0.8% 0.8% 1.5% 1.5% 1.1% 0.9% 1.4% 0.9% 0.6% 0.9%
Balance and payout
n/a 0.59 0.53 0.35 0.07 0.05 0.28 0.46 0.06 0.05
89.8% 87.5% 87.0% 86.1% 87.7% 88.3% 90.3% 88.7% 88.1% 86.9%
23.3% 16.5% 12.6% 14.8% 25.7% 23.2% 20.9% 33.6% 47.6% 33.6%
19.6% 34.2% 31.6% 49.6% 114.9% 19.8% 13.6% 27.5% 21.1% 19.2%