FCBM
HoldSinkerFirst Carolina Financial Services, Inc. · Financial Services · United States · $402M cap · $3.0M/day traded
$12.93 -0.1% · close 26 Oct · scored 27 Oct
Sinker: Weak, expensive and falling. Nothing here to keep it afloat.
Report expected 27 Oct: the next-year EPS estimate has risen 5.9% over the last 14 weeks.
As of 27 Oct 2026, MoatMap's StockRank for First Carolina Financial Services, Inc. (FCBM) is 37/100, ranked against 24,000+ stocks in 35 markets (Quality 41, Value 38, Momentum 49, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
ABOUT FIRST CAROLINA FINANCIAL SERVICES, INC.
Read
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 | 139.0M | 166.1M | 9.8% |
| EPS | 0.65 | 0.69 | 0.40 | -21.2% | 0.54 | 0.92 | 1.37 | 84.1% |
| 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 | — | — | — | — | — |
Not enough steady price history for a read yet.
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
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) | $402M | 37 | Hold |
| BMRC | Bank of Marin Bancorp | $439M | 38 | Hold |
| BRBS | Blue Ridge Bankshares, Inc. | $365M | 36 | Hold |
| BCML | BayCom Corp | $333M | 40 | Hold |
| AVBH | Avidbank Holdings, Inc. | $348M | 33 | Sell |
| ISBA | Isabella Bank Corporation | $295M | 35 | Sell |
| PBFS | Pioneer Bancorp, Inc. | $441M | 45 | Hold |
| NPB | Northpointe Bancshares, Inc. | $534M | 43 | Hold |
| WNEB | Western New England Bancorp, Inc. | $278M | 43 | Hold |
| INBK | First Internet Bancorp | $233M | 34 | Sell |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 75.4%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.