Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FCBM
SellSinkerFirst Carolina Financial Services, Inc. · Financial Services · United States · $391M · Avg Vol: $1M/d
30
StockRankGet insider-trade alerts
Q
41
V
40
M
40
P/E (TTM)
28.4x
ROE
3.5%
D/E
0.4x
Dividend %
—
COMPANY DESCRIPTION
First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses in the United States.
FINANCIAL SUMMARY (USD)
| Year | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|
| Revenue | 63.1M | 71.5M | 137.8M | 47.8% | 128.9M | 138.8M | 163.8M | 9.0% |
| EPS | 0.65 | 0.69 | 0.40 | -21.2% | 0.45 | — | — | — |
| Shares | 30.2M | 30.2M | 30.2M | 0.0% | 31.1M | — | — | — |
| Debt | 63.2M | 163.3M | 138.4M | 48.0% | 120.3M | — | — | — |
| Equity | 268.4M | 337.3M | 346.9M | 13.7% | — | — | — | — |
| Op CF | -30.7M | 61.9M | 35.9M | -42.0% | 29.3M | — | — | — |
| Inv CF | -524.3M | -347.3M | -323.0M | — | — | — | — | — |
| Fin CF | 585.9M | 292.5M | 253.1M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+2.2%
SMA 50SMA 200
Close
$12.63
RSI (14)
52.1
SCORE BREAKDOWN
Quality
41
ROIC (ROA)
0.4%*19.4
ROE
3.5%20.8
GP/Assets
3.9%N/A
Op. Margin
29.0%45.2
FCF/Assets
1.0%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
0.40xN/A
Current Ratio
bankN/A
Value
40
P/E (TTM)
28.4x14.6
EV/EBITDA
bankN/A
P/FCF
12.2xN/A
P/B
0.9x68.9
P/S
3.1x60.1
Div Yield
—N/A
Momentum
40
52W High %
—N/A
RS 6M
—N/A
SMA 50/200
—N/A
EPS Rev 4W
+1.3%51.5
EPS Rev 12W
—N/A
EPS Improve
+191%91.8
Q Growth
11%41.1
FUNDAMENTALS
Market Cap
$391M
P/E (Forward)
9.8x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FCBM are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FCBM | First Carolina Financial Services, Inc.(you) | $391M | 30 | Sell |
| BMRC | Bank of Marin Bancorp | $431M | 27 | Sell |
| AVBH | Avidbank Holdings, Inc. | $348M | 27 | Sell |
| BCML | BayCom Corp | $331M | 34 | Sell |
| ISBA | Isabella Bank Corporation | $301M | 26 | Sell |
| PBFS | Pioneer Bancorp, Inc. | $426M | 41 | Hold |
| GBFH | GBank Financial Holdings Inc. | $292M | 22 | Sell |
| WNEB | Western New England Bancorp, Inc. | $275M | 38 | Hold |
| OVBC | Ohio Valley Banc Corp. | $215M | 34 | Sell |
| INBK | First Internet Bancorp | $245M | 38 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%