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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.01
OTCPK:FBLV's Cash to Debt is ranked lower than
54% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. OTCPK:FBLV: 1.01 )
Ranked among companies with meaningful Cash to Debt only.
OTCPK:FBLV' s 10-Year Cash to Debt Range
Min: 0.41  Med: 1.81 Max: No Debt
Current: 1.01
Equity to Asset 0.11
OTCPK:FBLV's Equity to Asset is ranked higher than
62% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OTCPK:FBLV: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
OTCPK:FBLV' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.12
Current: 0.11
0.07
0.12
Interest Coverage 4.69
OTCPK:FBLV's Interest Coverage is ranked higher than
79% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. OTCPK:FBLV: 4.69 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:FBLV' s 10-Year Interest Coverage Range
Min: 0.24  Med: 0.68 Max: 4.69
Current: 4.69
0.24
4.69
F-Score: 4
WACC vs ROIC
12.41%
11.37%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 28.27
OTCPK:FBLV's Operating margin (%) is ranked lower than
56% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. OTCPK:FBLV: 28.27 )
Ranked among companies with meaningful Operating margin (%) only.
OTCPK:FBLV' s 10-Year Operating margin (%) Range
Min: -29.55  Med: 34.40 Max: 49.78
Current: 28.27
-29.55
49.78
Net-margin (%) 18.48
OTCPK:FBLV's Net-margin (%) is ranked lower than
62% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. OTCPK:FBLV: 18.48 )
Ranked among companies with meaningful Net-margin (%) only.
OTCPK:FBLV' s 10-Year Net-margin (%) Range
Min: -17.14  Med: 21.51 Max: 30.65
Current: 18.48
-17.14
30.65
ROE (%) 6.55
OTCPK:FBLV's ROE (%) is ranked lower than
64% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. OTCPK:FBLV: 6.55 )
Ranked among companies with meaningful ROE (%) only.
OTCPK:FBLV' s 10-Year ROE (%) Range
Min: -7.48  Med: 12.12 Max: 28.39
Current: 6.55
-7.48
28.39
ROA (%) 0.80
OTCPK:FBLV's ROA (%) is ranked lower than
54% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. OTCPK:FBLV: 0.80 )
Ranked among companies with meaningful ROA (%) only.
OTCPK:FBLV' s 10-Year ROA (%) Range
Min: -0.72  Med: 1.04 Max: 2.45
Current: 0.8
-0.72
2.45
Revenue Growth (3Y)(%) -8.70
OTCPK:FBLV's Revenue Growth (3Y)(%) is ranked lower than
85% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. OTCPK:FBLV: -8.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OTCPK:FBLV' s 10-Year Revenue Growth (3Y)(%) Range
Min: -12.2  Med: 8.50 Max: 27.1
Current: -8.7
-12.2
27.1
EBITDA Growth (3Y)(%) 9.90
OTCPK:FBLV's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. OTCPK:FBLV: 9.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OTCPK:FBLV' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -23.6  Med: 6.85 Max: 77.2
Current: 9.9
-23.6
77.2
EPS Growth (3Y)(%) 38.90
OTCPK:FBLV's EPS Growth (3Y)(%) is ranked higher than
88% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. OTCPK:FBLV: 38.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OTCPK:FBLV' s 10-Year EPS Growth (3Y)(%) Range
Min: -38.6  Med: 8.50 Max: 89.7
Current: 38.9
-38.6
89.7
» OTCPK:FBLV's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 13.60
FBLV's P/E(ttm) is ranked lower than
52% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FBLV: 13.60 )
Ranked among companies with meaningful P/E(ttm) only.
FBLV' s 10-Year P/E(ttm) Range
Min: 3.71  Med: 15.39 Max: 373.55
Current: 13.6
3.71
373.55
Forward P/E 11.51
FBLV's Forward P/E is ranked higher than
53% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. FBLV: 11.51 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.80
FBLV's PE(NRI) is ranked lower than
54% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FBLV: 13.80 )
Ranked among companies with meaningful PE(NRI) only.
FBLV' s 10-Year PE(NRI) Range
Min: 3.71  Med: 15.45 Max: 386
Current: 13.8
3.71
386
P/B 1.02
FBLV's P/B is ranked higher than
54% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. FBLV: 1.02 )
Ranked among companies with meaningful P/B only.
FBLV' s 10-Year P/B Range
Min: 0.48  Med: 1.08 Max: 2.73
Current: 1.02
0.48
2.73
P/S 2.45
FBLV's P/S is ranked higher than
60% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. FBLV: 2.45 )
Ranked among companies with meaningful P/S only.
FBLV' s 10-Year P/S Range
Min: 0.8  Med: 2.24 Max: 5.39
Current: 2.45
0.8
5.39
PFCF 9.95
FBLV's PFCF is ranked higher than
54% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. FBLV: 9.95 )
Ranked among companies with meaningful PFCF only.
FBLV' s 10-Year PFCF Range
Min: 3.79  Med: 8.75 Max: 53.95
Current: 9.95
3.79
53.95
POCF 8.71
FBLV's POCF is ranked higher than
53% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. FBLV: 8.71 )
Ranked among companies with meaningful POCF only.
FBLV' s 10-Year POCF Range
Min: 2.48  Med: 7.60 Max: 18.73
Current: 8.71
2.48
18.73
EV-to-EBIT 9.33
FBLV's EV-to-EBIT is ranked higher than
72% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. FBLV: 9.33 )
Ranked among companies with meaningful EV-to-EBIT only.
FBLV' s 10-Year EV-to-EBIT Range
Min: -14.7  Med: 9.40 Max: 55.5
Current: 9.33
-14.7
55.5
Shiller P/E 36.36
FBLV's Shiller P/E is ranked lower than
89% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. FBLV: 36.36 )
Ranked among companies with meaningful Shiller P/E only.
FBLV' s 10-Year Shiller P/E Range
Min: 5.13  Med: 13.50 Max: 37.35
Current: 36.36
5.13
37.35
Days Sales Outstanding 23.78
FBLV's Days Sales Outstanding is ranked higher than
72% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. FBLV: 23.78 )
Ranked among companies with meaningful Days Sales Outstanding only.
FBLV' s 10-Year Days Sales Outstanding Range
Min: 22.01  Med: 35.70 Max: 53.31
Current: 23.78
22.01
53.31

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
FBLV's Price/Tangible Book is ranked lower than
58% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FBLV: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
FBLV' s 10-Year Price/Tangible Book Range
Min: 0.73  Med: 2.08 Max: 3.86
Current: 1.31
0.73
3.86
Price/Projected FCF 0.53
FBLV's Price/Projected FCF is ranked higher than
68% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FBLV: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
FBLV' s 10-Year Price/Projected FCF Range
Min: 0.27  Med: 0.71 Max: 1.28
Current: 0.53
0.27
1.28
Price/Median PS Value 1.12
FBLV's Price/Median PS Value is ranked lower than
57% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. FBLV: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
FBLV' s 10-Year Price/Median PS Value Range
Min: 0.44  Med: 1.23 Max: 2.27
Current: 1.12
0.44
2.27
Price/Graham Number 0.81
FBLV's Price/Graham Number is ranked higher than
53% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FBLV: 0.81 )
Ranked among companies with meaningful Price/Graham Number only.
FBLV' s 10-Year Price/Graham Number Range
Min: 0.37  Med: 1.19 Max: 1.89
Current: 0.81
0.37
1.89
Earnings Yield (Greenblatt) (%) 10.70
FBLV's Earnings Yield (Greenblatt) (%) is ranked higher than
75% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FBLV: 10.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBLV' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.8  Med: 10.20 Max: 84.2
Current: 10.7
1.8
84.2
Forward Rate of Return (Yacktman) (%) -19.29
FBLV's Forward Rate of Return (Yacktman) (%) is ranked lower than
92% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. FBLV: -19.29 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBLV' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -14.3  Med: 13.10 Max: 28.6
Current: -19.29
-14.3
28.6

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:FBNC.USA,
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.

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