FBNC

Based on First Bancorp's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does First Bancorp do?

First Bancorp is the holding company for First Bank, a community bank serving individuals and small to medium-sized businesses in North Carolina and northeastern South Carolina. It offers loans, deposit accounts, digital banking, and investment and insurance products through more than 120 branch locations.

Does FBNC pay dividends?

Yes, First Bancorp pays a regular dividend. Community banks like First Bancorp typically fund dividends from net interest income. Investors seeking income should review the current dividend rate and payout history on the company's investor relations page, as amounts can change based on earnings and regulatory conditions.

When does FBNC report earnings?

First Bancorp reports on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact schedule and most recent results, check First Bancorp's investor relations page, as specific dates are subject to change.

Is FBNC a good stock to buy?

UQS Score rates FBNC as Below Average overall. While the Quality pillar is rated Good and Valuation is Attractive, the Weak Moat and Weak Risk ratings introduce meaningful concerns. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.

Is FBNC overvalued?

The UQS Valuation pillar for FBNC is rated Attractive, suggesting the stock may be trading at a reasonable or favorable price relative to its fundamentals. However, an attractive valuation alone does not offset the Weak Moat and Risk ratings that weigh on the overall UQS Score.

How does FBNC compare to its competitors?

First Bancorp operates as a Carolinas-focused community bank, while peers like WesBanco, NBT Bancorp, and Nicolet Bankshares serve different regions with varying business models. Each competitor has a distinct geographic reach and growth strategy. The UQS platform provides side-by-side quality scoring for a more structured comparison.

What is FBNC's market cap bracket?

First Bancorp is classified as a mid-cap company. This places it in a segment of the market that typically offers more liquidity than small-cap banks but less scale and diversification than large regional or national banking institutions.

Who founded First Bancorp?

First Bancorp traces its roots to 1934, with the holding company structure established in 1987. Detailed founding history, including key individuals involved, is publicly available through the company's official history and investor relations materials.

Is FBNC a long-term quality investment?

As a long-term quality indicator, FBNC's Below Average UQS Score reflects concerns — particularly the Weak Moat, which suggests limited durable competitive advantages. The Good Quality rating offers some reassurance, but long-term investors should weigh the Risk profile carefully before committing capital.

What is the main competitive advantage of First Bancorp?

First Bancorp's primary advantage lies in its deep community roots and long-standing relationships with individuals and small businesses across the Carolinas. However, the UQS Moat pillar is rated Weak, indicating that this local presence does not yet translate into a strongly defensible competitive position relative to peers.

First Bancorp shows solid profitability with healthy returns on capital and reasonable margins.

First Bancorp shows steady but unspectacular growth, typical for mature companies.

First Bancorp has some risk factors including moderate leverage or solvency concerns.

First Bancorp appears attractively valued relative to its earnings, cash flows, and sector peers.

First Bancorp operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FBNC.

The UQS (Unified Quality Score) for First Bancorp is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses First Bancorp's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether First Bancorp is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.