What is First Bancorp's (FBNC) StockRank?

MoatMap's StockRank for First Bancorp (FBNC) is 50/100, with a Hold signal. This is a composite score combining Quality (54), Value (26), and Momentum (64) factor ranks across MoatMap's universe of 25,000+ stocks.

Does First Bancorp have an economic moat?

First Bancorp (FBNC) has a Quality factor score of 54/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is First Bancorp a buy, hold, or sell?

MoatMap's current signal for First Bancorp (FBNC) is Hold, based on a StockRank of 50/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is First Bancorp in?

First Bancorp (FBNC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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FBNC

HoldPremium Grower

First Bancorp · Financial Services · United States · $2.6B · Avg Vol: $11M/d

StockRank

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P/E (TTM)

20.2x

ROE

8.1%

D/E

-0.0x

Dividend %

1.5%

COMPANY DESCRIPTION

First Bancorp is a regional bank holding company operating primarily in North and South Carolina through its subsidiary, First Bank. It offers a comprehensive suite of commercial and retail banking services to individuals and businesses. The company maintains strong community ties and a diversified loan portfolio, focusing on organic growth and strategic acquisitions within its expanding market footprint.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	—	391.6M	399.0M	343.8M	384.0M	-0.6%	410.7M	428.8M	481.9M	12.0%
EPS	2.68	4.12	2.53	1.85	2.68	-0.0%	3.22	3.16	3.38	12.3%
Shares	—	35.7M	41.1M	41.3M	41.5M	+16.1%	41.4M	—	—	—
Debt	—	237.8M	303.8M	14.6M	-2.8M	-75.3%	89.0M	—	—	—
Equity	—	1.0B	1.4B	1.4B	1.7B	17.0%	—	—	—	—
Op CF	—	230.7M	131.4M	174.8M	203.1M	-4.1%	232.5M	—	—	—
Inv CF	—	-713.4M	-191.4M	169.7M	-562.1M	—	—	—	—	—
Fin CF	—	291.9M	27.5M	-74.8M	161.0M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+2.7%

SMA 50SMA 200

$64.68

RSI (14)

52.4

52W High

$66.78

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.0%*36.9

ROE

8.1%40.4

GP/Assets

3.2%N/A

Op. Margin

51.2%71.4

FCF/Assets

1.6%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

-0.00xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

20.2x24.0

EV/EBITDA

bankN/A

P/FCF

12.9xN/A

P/B

1.6x35.5

P/S

6.6x25.2

Div Yield

1.5%16.3

Momentum

52W High %

97%80.1

RS 6M

7%60.8

SMA 50/200

1.10x72.2

EPS Rev 4W

+0.3%43.0

EPS Rev 12W

-0.5%30.3

EPS Improve

+57%75.8

Q Growth

31%62.4

FUNDAMENTALS

Market Cap

$2.6B

P/E (Forward)

12.9x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FBNC are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FBNC	First Bancorp(you)	$2.6B	50	Hold
SYBT	Stock Yards Bancorp, Inc.	$2.5B	51	Hold
FRME	First Merchants Corporation	$2.6B	53	Hold
TRMK	Trustmark Corporation	$2.7B	53	Hold
BOH	Bank of Hawaii Corporation	$3.0B	49	Hold
EFSC	Enterprise Financial Services Corp	$2.3B	51	Hold
FBK	FB Financial Corporation	$2.9B	46	Hold
CBU	Community Financial System, Inc.	$3.3B	48	Hold
VLYPP	Valley National Bancorp	$3.1B	47	Hold
TBBK	The Bancorp, Inc.	$2.7B	43	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$64.68
Market Cap	$2.6B
P/E (TTM)	20.20
P/E (Forward)	12.87
Price/Book	1.57
Return on Equity	8.1%
Debt/Equity	-0.00x
Operating Margin	51.2%
Revenue Growth	16.0%
Dividend Yield	1.5%
Free Cash Flow	$206M