First Bancorp (Southern Pines NC) (FBNC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$64.77-1.86%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · FBNC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
The Company continued to enhance net interest income and net interest margin ("NIM") during the third quarter of 2026.
Stated in 4 of 4 supplied quarters. Management reported: “The Company continued to enhance net interest income and net interest margin ("NIM") during the third quarter of 2026.” “Richard H. Moore, Chairman and CEO of the Company, stated, “First Bancorp continued to build on its positive start to 2026 with strong second quarter financial results driven by continued margin expansion, prudent balance sheet execution, high quality loans and a controlled efficiency ratio.” Revenue was $153.979 million in 2026-Q3.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 59% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“The Company continued to enhance net interest income and net interest margin ("NIM") during the third quarter of 2026.”
“Richard H. Moore, Chairman and CEO of the Company, stated, “First Bancorp continued to build on its positive start to 2026 with strong second quarter financial results driven by continued margin expa…”
“The Company continued to enhance net interest income and net interest margin ("NIM") during the first quarter of 2026.”
“The Company continued to enhance net interest income and net interest margin ("NIM") during the third quarter of 2025.”
While noninterest expenses have been increasing, they are the result of the Company's continued growth as the efficiency ratio was 49.09% for the quarter ended September 30, 2026, compared to 49.12%…
Stated in 4 of 4 supplied quarters. Management reported: “While noninterest expenses have been increasing, they are the result of the Company's continued growth as the efficiency ratio was 49.09% for the quarter ended September 30, 2026, compared to 49.12% for the linked quarter and 66.92% for the like quarter.” “• Expense management continues to be a focus.”
“While noninterest expenses have been increasing, they are the result of the Company's continued growth as the efficiency ratio was 49.09% for the quarter ended September 30, 2026, compared to 49.12%…”
“Richard H. Moore, Chairman and CEO of the Company, stated, “First Bancorp continued to build on its positive start to 2026 with strong second quarter financial results driven by continued margin expa…”
“• Expense management continues to be a focus.”
“• We continue to focus on expense management.”
We also look forward to welcoming the Carolina Bank team and the enhancements to our South Carolina franchise."
Stated in 2 of 4 supplied quarters. Management reported: “We also look forward to welcoming the Carolina Bank team and the enhancements to our South Carolina franchise."” “Upon completion of the transaction, First Bancorp will strengthen its presence in South Carolina and enhance its ability to serve customers across the state.”
“We also look forward to welcoming the Carolina Bank team and the enhancements to our South Carolina franchise."”
“We are excited about the acquisition of First Carolina which brings talented bankers and will help us accelerate our South Carolina growth expansion."”
Richard H. Moore, Chairman and CEO of the Company, stated, “First Bancorp delivered another strong quarter, reflecting disciplined balance sheet management, strong credit quality, loan growth and con…
Stated in 3 of 4 supplied quarters. Management reported: “Richard H. Moore, Chairman and CEO of the Company, stated, “First Bancorp delivered another strong quarter, reflecting disciplined balance sheet management, strong credit quality, loan growth and continued operating efficiency.” “The like quarter expansion of NIM was driven by growth of $708.9 million in average loans, coupled with a 14 basis point yield increase as well as the cost of interest bearing deposits decreasing 20 basis points.”
“Richard H. Moore, Chairman and CEO of the Company, stated, “First Bancorp delivered another strong quarter, reflecting disciplined balance sheet management, strong credit quality, loan growth and con…”
“The like quarter expansion of NIM was driven by growth of $708.9 million in average loans, coupled with a 14 basis point yield increase as well as the cost of interest bearing deposits decreasing 20…”
“While average interest-earning assets contracted $6.9 million in total during the quarter, the Company saw a shift in the mix of interest-earning assets, with loans increasing from 72.4% of average i…”
Our disciplined approach to managing the balance sheet and expenses remains focused on long-term shareholder value, and we are pleased to continue our longstanding practice of providing cash dividend…
Stated in a supplied disclosure. Management reported: “Our disciplined approach to managing the balance sheet and expenses remains focused on long-term shareholder value, and we are pleased to continue our longstanding practice of providing cash dividends to our shareholders.”” “The Company has a diversified and granular deposit base which has remained a stable funding source with noninterest-bearing deposits comprising 33% of total deposits at September 30, 2026.”
Over the trailing year it converted 0.88x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to long-term interest rates, real (inflation-adjusted) rates, the US dollar, Fed net liquidity (low R² over the window).
18 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.