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FCBM

SELL

First Carolina Financial Services, Inc. · Financial Services · United States · $381M

23
StockRank
Q
38
V
43
M
30
P/E (TTM)
28.6x
ROE
3.5%
D/E
0.4x
Dividend %
—
Director Trades · 180d
+$1.7M →
Buybacks · 180d
None in 180d →
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PRICE (1Y)+1.6%
12.5812.6312.6912.7512.80Jun 18Jun 23Jun 24
Close
$12.80

SCORE BREAKDOWN

Quality
38
ROIC (ROA)
0.4%*18.9
ROE
3.5%16.9
GP/Assets
4.0%47.3
Op. Margin
31.0%47.9
FCF/Assets
1.0%36.6
Piotroski
374.0
Int. Cover
—N/A
D/E Ratio
0.40x51.3
Current Ratio
—N/A
Value
43
P/E (TTM)
28.6x13.9
EV/EBITDA
—N/A
P/FCF
11.9x56.4
P/B
0.4x92.0
P/S
2.8x61.9
Div Yield
—N/A
Momentum
30
52W High %
—N/A
RS 6M
—N/A
SMA 50/200
—N/A
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
26%61.0

FUNDAMENTALS

Market Cap
$381M
P/E (Forward)
—
Gross Margin
0.0%

SECTOR PEERS

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

TickerCompanyMkt CapStockRankSignal
FCBMFirst Carolina Financial Services, Inc.(you)$381M23SELL
BMRCBank of Marin Bancorp$422M21SELL
CZNCCitizens & Northern Corporation$385M27SELL
FRBAFirst Bank$419M28SELL
CBKCommercial Bancgroup, Inc.$431M34SELL
FBLAFB Bancorp, Inc.$235M27SELL
MVBFMVB Financial Corp.$357M37HOLD
AVBCAvidia Bancorp, Inc.$375M38HOLD
HIFSHingham Institution for Savings$632M18STRONG SELL
USCBUSCB Financial Holdings, Inc.$354M38HOLD

Peer medians: ROE 10.7% · P/E 13.5x · Gross margin 0.0%

First Carolina Financial Services, Inc. (FCBM) — Stock Score Summary

First Carolina Financial Services, Inc. (FCBM) has a MoatMap StockRank of 23/100 based on Quality (38/100), Value (43/100), and Momentum (30/100) factor scores. The current signal is SELL.

Key Financial Metrics

Price$12.80
Market Cap$381M
P/E (TTM)28.59
Price/Book0.44
Return on Equity3.5%
Debt/Equity39.90
Gross Margin0.0%
Operating Margin31.0%
Revenue Growth1.9%
Free Cash Flow$32M

First Carolina Financial Services, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is First Carolina Financial Services, Inc.’s (FCBM) StockRank?
MoatMap’s StockRank for First Carolina Financial Services, Inc. (FCBM) is 23/100, with a Sell signal. It is a composite of Quality (38), Value (43), and Momentum (30) factor ranks across MoatMap’s 20,000+ stock universe.
Does First Carolina Financial Services, Inc. have an economic moat?
First Carolina Financial Services, Inc. (FCBM) has a Quality factor score of 38/100. 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 characteristics of a moated business.
Is First Carolina Financial Services, Inc. a buy, hold, or sell?
MoatMap’s current signal for First Carolina Financial Services, Inc. (FCBM) is Sell, based on a StockRank of 23/100. 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 Carolina Financial Services, Inc. in?
First Carolina Financial Services, Inc. (FCBM) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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