First Bancorp

Symbol: FBNC

NASDAQ

31.9

USD

Market price today

  • 11.5684

    P/E Ratio

  • -0.1290

    PEG Ratio

  • 1.31B

    MRK Cap

  • 0.03%

    DIV Yield

First Bancorp (FBNC) Stock Price & Analysis

Shares Outstanding

0M

Gross Profit Margin

0.92%

Operating Profit Margin

0.31%

Net Profit Margin

0.24%

Return on Assets

0.01%

Return on Equity

0.09%

Return on Capital Employed

0.03%

Company general description and statistics

Sector: Financial Services
Industry: Banks - Regional
CEO:Mr. Richard Hancock Moore
Full-time employees:1396
City:Southern Pines
Address:300 SW Broad Street
IPO:1987-04-30
CIK:0000811589

First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and small to medium-sized businesses primarily in North Carolina and northeastern South Carolina. It accepts deposit products, such as checking, savings, and money market accounts, as well as time deposits, including certificate of deposits and individual retirement accounts. The company also offers loans for a range of consumer and commercial purposes comprising loans for business, real estate, personal, home improvement, and automobiles, as well as residential mortgages and small business administration loans; and accounts receivable financing and factoring, inventory financing, and purchase order financing services. In addition, it provides credit and debit cards, letter of credits, and safe deposit box rental services, as well as electronic funds transfer services consisting of wire transfers; and internet and mobile banking, cash management, bank-by-phone services, and remote deposit capture services. Further, the company offers investment and insurance products, such as mutual funds, annuities, long-term care insurance, life insurance, and company retirement plans, as well as property and casualty insurance products; and financial planning services. As of December 31, 2021, it operated 121 branches comprising 114 branch offices located in North Carolina and seven branches in South Carolina. First Bancorp was founded in 1934 and is headquartered in Southern Pines, North Carolina.

General Outlook

When we look at how much money they make before expenses, they keep 0.922% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.310%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.237%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.009% return, is a testament to First Bancorp's adeptness in optimizing resource deployment. First Bancorp's utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.086%. Furthermore, the proficiency of First Bancorp in capital utilization is underscored by a remarkable 0.030% return on capital employed.

Stock Prices

First Bancorp's stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $31.72, while its low point bottomed out at $30.38. This variance in figures offers investors a lucid insight into the roller-coaster ride that is First Bancorp's stock market.

Liquidity Ratios

Analyzing FBNC liquidity ratios reveals its financial health of the firm. The current ratio of 4.96% gauges short-term asset coverage for liabilities. The quick ratio (4.95%) assesses immediate liquidity, while the cash ratio (4.95%) indicates cash reserves.

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Current Ratio4.96%
Quick Ratio4.95%
Cash Ratio4.95%

Profitability Ratios

FBNC profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 29.97% underscores its earnings before tax deductions. The effective tax rate stands at 20.88%, revealing its tax efficiency. The net income per EBT, 79.12%, and the EBT per EBIT, 96.54%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 31.05%, we grasp its operational profitability.

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Pretax Profit Margin29.97%
Effective Tax Rate20.88%
Net Income per EBT79.12%
EBT per EBIT96.54%
EBIT per Revenue31.05%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 0.05, it details the span from stock purchase to revenue.

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Days of Sales Outstanding5
Fixed Asset Turnover2.88
Asset Turnover0.04

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 2.24, and free cash flow per share, 2.14, depict cash generation on a per-share basis. The cash per share value, 8.54, showcases liquidity position. A payout ratio of 0.24 highlights the portion of earnings distributed as dividends. Lastly, the operating cash flow sales ratio, 0.19, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share2.24
Free Cash Flow per Share2.14
Cash per Share8.54
Payout Ratio0.24
Operating Cash Flow Sales Ratio0.19
Free Cash Flow to Operating Cash Flow Ratio0.96
Cash Flow Coverage Ratio0.28
Capital Expenditure Coverage Ratio22.79
Dividend Paid and Capex Coverage Ratio2.98
Dividend Payout Ratio0.02

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 2.75%, highlights its total liabilities relative to assets. With a debt-equity ratio of 0.24, we discern the balance between debt and equity financing. The long-term debt to capitalization, 19.45%, and total debt to capitalization, 19.45%, ratios shed light on its capital structure. An interest coverage of 1.67 indicates its ability to manage interest expenses.

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Debt Ratio2.75%
Debt Equity Ratio0.24
Long Term Debt to Capitalization19.45%
Total Debt to Capitalization19.45%
Interest Coverage1.67
Cash Flow to Debt Ratio0.28
Company Equity Multiplier8.79

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 13.41, provides a glimpse into top-line earnings distributed across each share. Net income per share, 2.56, reflects the portion of profit attributed to each share. The book value per share, 33.68, represents the net asset value distributed per share, while the tangible book value per share, 21.12, excludes intangible assets.

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Revenue Per Share13.41
Net Income Per Share2.56
Book Value Per Share33.68
Tangible Book Value Per Share21.12
Shareholders Equity Per Share33.68
Interest Debt Per Share16.19
Capex Per Share-0.11

Growth Ratios

Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, 39.05%, indicates top-line expansion, while the gross profit growth, 39.05%, reveals profitability trends. EBIT growth, -100.00%, and operating income growth, -100.00%, offer insights into operational profitability progression. The net income growth, -29.13%, showcases bottom-line expansion, and the EPS growth, -38.59%, measures the growth in earnings per share.

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Revenue Growth39.05%
Gross Profit Growth39.05%
EBIT Growth-100.00%
Operating Income Growth-100.00%
Net Income Growth-29.13%
EPS Growth-38.59%
EPS Diluted Growth-38.59%
Weighted Average Shares Growth15.51%
Weighted Average Shares Diluted Growth15.51%
Dividends per Share Growth-100.00%
Operating Cash Flow Growth-93.06%
Free Cash Flow Growth-92.90%
10-Year Revenue Growth per Share57.94%
5-Year Revenue Growth per Share46.25%
3-Year Revenue Growth per Share28.29%
10-Year Operating CF Growth per Share-89.37%
5-Year Operating CF Growth per Share-75.14%
3-Year Operating CF Growth per Share-80.28%
10-Year Net Income Growth per Share140.20%
5-Year Net Income Growth per Share-15.93%
3-Year Net Income Growth per Share-10.12%
10-Year Shareholders Equity Growth per Share76.19%
5-Year Shareholders Equity Growth per Share29.46%
3-Year Shareholders Equity Growth per Share8.03%
10-Year Dividend per Share Growth per Share-100.00%
5-Year Dividend per Share Growth per Share-100.00%
3-Year Dividend per Share Growth per Share-100.00%
Receivables Growth-100.00%
Inventory Growth100.00%
Asset Growth14.02%
Book Value per Share Growth15.17%
Debt Growth111.14%
SGA Expenses Growth-100.00%

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 1,918,174,031.72, captures the company's total value, considering both debt and equity. Income quality, 1.40, assesses the reliability of reported earnings. The ratio of intangibles to total assets, 4.21%, indicates the value of non-physical assets, and capex to operating cash flow, -3.04%, measures reinvestment capability.

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Enterprise Value1,918,174,031.72
Income Quality1.40
Sales General and Administrative to Revenue0.27
Intangibles to Total Assets4.21%
Capex to Operating Cash Flow-3.04%
Capex to Revenue-0.81%
Capex to Depreciation-24.76%
Stock-Based Compensation to Revenue0.94%
Graham Number44.01
Return on Tangible Assets0.90%
Graham Net Net-203.24
Working Capital-8,729,446,000
Tangible Asset Value860,772,000
Net Current Asset Value-10,493,289,000
Average Receivables33,530,500
Average Payables4,218,500
Average Inventory-118,573,000
Days Sales Outstanding25
ROE0.08%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 0.96, and the price to book ratio, 0.96, reflect the market's valuation relative to the company's book value. The price to sales ratio, 2.72, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 14.78, and price to operating cash flows, 14.23, gauge market valuation against cash flow metrics.

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Price Book Value Ratio0.96
Price to Book Ratio0.96
Price to Sales Ratio2.72
Price Cash Flow Ratio14.23
Price Earnings to Growth Ratio-0.13
Enterprise Value Multiple16.66
Price Fair Value0.96
Price to Operating Cash Flow Ratio14.23
Price to Free Cash Flows Ratio14.78
Price to Tangible Book Ratio1.10
Enterprise Value to Sales3.51
Enterprise Value Over EBITDA239.68
EV to Operating Cash Flow13.21
Earnings Yield6.91%
Free Cash Flow Yield9.34%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of First Bancorp (FBNC) on the NASDAQ in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 11.568 in 2024.

What is the ticker symbol of First Bancorp stock?

The ticker symbol of First Bancorp stock is FBNC.

What is company IPO date?

IPO date of First Bancorp is 1987-04-30.

What is company current share price?

Current share price is 31.900 USD.

What is stock market cap today?

The market cap of stock today is 1312187360.000.

What is PEG ratio in 2024?

The current -0.129 is -0.129 in 2024.

What is the number of employees in 2024?

In 2024 the company has 1396.