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Also traded in: USA

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 1.13
OTCPK:FBLV's Cash-to-Debt is ranked lower than
60% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. OTCPK:FBLV: 1.13 )
Ranked among companies with meaningful Cash-to-Debt only.
OTCPK:FBLV' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.53  Med: 1.28 Max: No Debt
Current: 1.13
Equity-to-Asset 0.10
OTCPK:FBLV's Equity-to-Asset is ranked higher than
53% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OTCPK:FBLV: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
OTCPK:FBLV' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 5.54
OTCPK:FBLV's Interest Coverage is ranked higher than
82% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. OTCPK:FBLV: 5.54 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:FBLV' s Interest Coverage Range Over the Past 10 Years
Min: 0.47  Med: 2 Max: 5.96
Current: 5.54
0.47
5.96
Beneish M-Score: -2.62
WACC vs ROIC
7.10%
8.76%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 28.29
OTCPK:FBLV's Operating Margin % is ranked lower than
56% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. OTCPK:FBLV: 28.29 )
Ranked among companies with meaningful Operating Margin % only.
OTCPK:FBLV' s Operating Margin % Range Over the Past 10 Years
Min: -29.55  Med: 27.35 Max: 49.78
Current: 28.29
-29.55
49.78
Net Margin % 18.47
OTCPK:FBLV's Net Margin % is ranked lower than
63% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. OTCPK:FBLV: 18.47 )
Ranked among companies with meaningful Net Margin % only.
OTCPK:FBLV' s Net Margin % Range Over the Past 10 Years
Min: -17.14  Med: 17.8 Max: 30.65
Current: 18.47
-17.14
30.65
ROE % 7.65
OTCPK:FBLV's ROE % is ranked lower than
55% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. OTCPK:FBLV: 7.65 )
Ranked among companies with meaningful ROE % only.
OTCPK:FBLV' s ROE % Range Over the Past 10 Years
Min: -7.48  Med: 6.8 Max: 20.02
Current: 7.65
-7.48
20.02
ROA % 0.79
OTCPK:FBLV's ROA % is ranked lower than
56% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. OTCPK:FBLV: 0.79 )
Ranked among companies with meaningful ROA % only.
OTCPK:FBLV' s ROA % Range Over the Past 10 Years
Min: -0.72  Med: 0.79 Max: 1.91
Current: 0.79
-0.72
1.91
3-Year Revenue Growth Rate -2.90
OTCPK:FBLV's 3-Year Revenue Growth Rate is ranked lower than
78% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. OTCPK:FBLV: -2.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTCPK:FBLV' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -12.3  Med: 8 Max: 23.3
Current: -2.9
-12.3
23.3
3-Year EBITDA Growth Rate 7.20
OTCPK:FBLV's 3-Year EBITDA Growth Rate is ranked higher than
54% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. OTCPK:FBLV: 7.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OTCPK:FBLV' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -23.5  Med: 6.9 Max: 35.8
Current: 7.2
-23.5
35.8
3-Year EPS without NRI Growth Rate 10.70
OTCPK:FBLV's 3-Year EPS without NRI Growth Rate is ranked higher than
61% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. OTCPK:FBLV: 10.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OTCPK:FBLV' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -38.6  Med: 6.9 Max: 40.9
Current: 10.7
-38.6
40.9
GuruFocus has detected 4 Warning Signs with First Bancorp $OTCPK:FBLV.
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» OTCPK:FBLV's 10-Y Financials

Financials (Next Earnings Date: 2017-04-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:IEBS, NAS:OPHC, OTCBB:CCSB, OTCPK:TCNB, OTCPK:MFBP, OTCPK:EGDW, OTCPK:HWIS, OTCPK:CSHB, OTCPK:DLNO, OTCPK:ALBY, OTCBB:SUGR, OTCPK:CZID, OTCPK:CROL, OTCPK:FCNH, OTCBB:CNNB, OTCPK:MWBC, OTCPK:FRSB, OTCPK:OJCB, OTCPK:CIBH, OTCPK:CUMD » details
Traded in other countries:FBNC.USA,
First Bancorp is a bank holding company, which offers deposit products such as checking, savings, and money market accounts, as well as time deposits, including various types of certificates of deposits and individual retirement accounts.

First Bancorp was incorporated in North Carolina on December 8, 1983, as Montgomery Bancorp. On December 31, 1986, the Company changed its name to First Bancorp to conform its name to the name of the Bank, which had changed its name from Bank of Montgomery to First Bank in 1985. It is a bank holding company, engaged in a range of banking activities, with the acceptance of deposits and the making of loans being its basic activities. The Company offers deposit products such as checking, savings, and money market accounts, as well as time deposits, including various types of certificates of deposits and individual retirement accounts. It also offers credit cards, debit cards, letters of credit, safe deposit box rentals and electronic funds transfer services, including wire transfers. The Company provides loans for a range of consumer and commercial purposes, including loans for business, agriculture, real estate, personal uses, home improvement and automobiles. It offers internet banking, mobile banking, cash management and bank-by-phone capabilities to its customers, and is affiliated with ATM networks that give its customers access to 67,000 ATMs, with no surcharge fee. For its business customers, it offers remote deposit capture, which provides them with a method to electronically transmit checks received from customers into their bank account without having to visit a branch. Its branches and facilities are located in small communities whose economies are based primarily on services, manufacturing and light industry. It conducts its business from 96 branches covering a geographical area from Florence, South Carolina to the southeast, to Wilmington, North Carolina to the east, to Kill Devil Hills, North Carolina to the northeast, to Salem, Virginia to the north, to Abingdon, Virginia to the northwest, and to Asheville, North Carolina to the west. The Company competes with a range of financial service providers, including federally and state-chartered savings and loan institutions, credit unions, investment and brokerage firms and small-loan or consumer finance companies.

Ratios

vs
industry
vs
history
PE Ratio 21.77
FBLV's PE Ratio is ranked lower than
78% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. FBLV: 21.77 )
Ranked among companies with meaningful PE Ratio only.
FBLV' s PE Ratio Range Over the Past 10 Years
Min: 3.71  Med: 14.64 Max: 386
Current: 21.77
3.71
386
Forward PE Ratio 16.58
FBLV's Forward PE Ratio is ranked lower than
55% of the 407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.26 vs. FBLV: 16.58 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 21.77
FBLV's PE Ratio without NRI is ranked lower than
78% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. FBLV: 21.77 )
Ranked among companies with meaningful PE Ratio without NRI only.
FBLV' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.71  Med: 14.64 Max: 386
Current: 21.77
3.71
386
Price-to-Owner-Earnings 20.10
FBLV's Price-to-Owner-Earnings is ranked lower than
70% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. FBLV: 20.10 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FBLV' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.85  Med: 13.55 Max: 47.01
Current: 20.1
2.85
47.01
PB Ratio 1.64
FBLV's PB Ratio is ranked lower than
76% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FBLV: 1.64 )
Ranked among companies with meaningful PB Ratio only.
FBLV' s PB Ratio Range Over the Past 10 Years
Min: 0.48  Med: 1.06 Max: 2.2
Current: 1.64
0.48
2.2
PS Ratio 4.02
FBLV's PS Ratio is ranked lower than
64% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FBLV: 4.02 )
Ranked among companies with meaningful PS Ratio only.
FBLV' s PS Ratio Range Over the Past 10 Years
Min: 0.8  Med: 2.24 Max: 4.3
Current: 4.02
0.8
4.3
Price-to-Free-Cash-Flow 15.40
FBLV's Price-to-Free-Cash-Flow is ranked lower than
61% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. FBLV: 15.40 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FBLV' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.78  Med: 8.49 Max: 55.27
Current: 15.4
3.78
55.27
Price-to-Operating-Cash-Flow 12.60
FBLV's Price-to-Operating-Cash-Flow is ranked lower than
57% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. FBLV: 12.60 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FBLV' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.47  Med: 7.48 Max: 18.74
Current: 12.6
2.47
18.74
EV-to-EBIT 6.39
FBLV's EV-to-EBIT is ranked lower than
62% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. FBLV: 6.39 )
Ranked among companies with meaningful EV-to-EBIT only.
FBLV' s EV-to-EBIT Range Over the Past 10 Years
Min: -14.7  Med: 8.4 Max: 55.5
Current: 6.39
-14.7
55.5
EV-to-EBITDA 5.61
FBLV's EV-to-EBITDA is ranked lower than
60% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. FBLV: 5.61 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBLV' s EV-to-EBITDA Range Over the Past 10 Years
Min: -20.5  Med: 7.3 Max: 16.3
Current: 5.61
-20.5
16.3
Shiller PE Ratio 25.83
FBLV's Shiller PE Ratio is ranked lower than
64% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. FBLV: 25.83 )
Ranked among companies with meaningful Shiller PE Ratio only.
FBLV' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.13  Med: 12.24 Max: 27.63
Current: 25.83
5.13
27.63

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -1.80
FBLV's 3-Year Average Share Buyback Ratio is ranked lower than
52% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. FBLV: -1.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBLV' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -26.2  Med: -5.2 Max: -0.1
Current: -1.8
-26.2
-0.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.09
FBLV's Price-to-Tangible-Book is ranked lower than
80% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. FBLV: 2.09 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FBLV' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.74  Med: 1.98 Max: 3.86
Current: 2.09
0.74
3.86
Price-to-Intrinsic-Value-Projected-FCF 0.89
FBLV's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
58% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FBLV: 0.89 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FBLV' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.66 Max: 1.24
Current: 0.89
0.32
1.24
Price-to-Median-PS-Value 1.80
FBLV's Price-to-Median-PS-Value is ranked lower than
89% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FBLV: 1.80 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FBLV' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.34 Max: 2.27
Current: 1.8
0.53
2.27
Price-to-Graham-Number 1.42
FBLV's Price-to-Graham-Number is ranked lower than
81% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. FBLV: 1.42 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FBLV' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.46  Med: 1.12 Max: 1.83
Current: 1.42
0.46
1.83
Earnings Yield (Greenblatt) % 15.65
FBLV's Earnings Yield (Greenblatt) % is ranked higher than
52% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. FBLV: 15.65 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FBLV' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.8  Med: 11.1 Max: 84.2
Current: 15.65
1.8
84.2
Forward Rate of Return (Yacktman) % -22.80
FBLV's Forward Rate of Return (Yacktman) % is ranked lower than
95% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. FBLV: -22.80 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FBLV' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -22.8  Med: 12.6 Max: 27.5
Current: -22.8
-22.8
27.5

More Statistics

Beta2.13
Short Percentage of Float0.00%
52-Week Range $61.15 - 61.15
Shares Outstanding (Mil)16.55

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 196 215 231
EPS ($) 1.75 2.01 2.05
EPS without NRI ($) 1.75 2.01 2.05
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)

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