First Bancorp (FBNC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Bancorp stock (FBNC) is currently trading at $55.77. First Bancorp PE ratio is 19.67. First Bancorp PS ratio (Price-to-Sales) is 5.77. Analyst consensus price target for FBNC is $66.25. WallStSmart rates FBNC as Moderate Buy.
- FBNC PE ratio analysis and historical PE chart
- FBNC PS ratio (Price-to-Sales) history and trend
- FBNC intrinsic value — DCF, Graham Number, EPV models
- FBNC stock price prediction 2025 2026 2027 2028 2029 2030
- FBNC fair value vs current price
- FBNC insider transactions and insider buying
- Is FBNC undervalued or overvalued?
- First Bancorp financial analysis — revenue, earnings, cash flow
- FBNC Piotroski F-Score and Altman Z-Score
- FBNC analyst price target and Smart Rating
First Bancorp
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FBNC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Bancorp (FBNC)
FBNC trades at a significant discount to its Graham intrinsic value of $125.42, offering a 52% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Bancorp (FBNC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
First Bancorp (FBNC) Key Strengths (7)
Earnings per share surging 341.00% year-over-year
Keeps $29 of every $100 in revenue as net profit
80.27% of shares held by major funds and institutions
Strong operational efficiency: $23 kept per $100 revenue
Trading at 1.32x book value, attractively priced
Strong revenue growth at 21.50% annually
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
First Bancorp (FBNC) Areas to Watch (3)
Low profitability relative to shareholder equity
Premium valuation at 5.8x annual revenue
Growth is fairly priced, not cheap, not expensive
Supporting Valuation Data
First Bancorp (FBNC) Detailed Analysis Report
Overall Assessment
This company scores 73/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 7 register as strengths (avg 8.7/10) while 3 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on EPS Growth, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.32) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 23.00%, Profit Margin at 29.30%. Growth metrics are encouraging with Revenue Growth at 21.50%, EPS Growth at 341.00%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales, PEG Ratio. Some valuation metrics including PEG Ratio (1.56), Price/Sales (5.77) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 7.17%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.17% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 21.50% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of EPS Growth and Profit Margin makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FBNC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FBNC's Price-to-Sales ratio of 5.77x trades at a 19% premium to its historical average of 4.83x (70th percentile). The current valuation is 38% below its historical high of 9.25x set in Oct 2017, and 180% above its historical low of 2.06x in Jun 2012.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Bancorp (FBNC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 379M with 22% growth year-over-year. Profit margins are strong at 29.3%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 29.3% and operating margin of 23.0% demonstrate strong pricing power and operational efficiency.
Generating 54M in free cash flow and 55M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Growth sustainability: can First Bancorp maintain 22%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Bancorp.
Bottom Line
First Bancorp offers an attractive blend of growth (22% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Bancorp(FBNC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.