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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 3.49
OTCPK:FBLV's Cash to Debt is ranked higher than
82% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. OTCPK:FBLV: 3.49 )
OTCPK:FBLV' s 10-Year Cash to Debt Range
Min: 0.41   Max: No Debt
Current: 3.49

Equity to Asset 0.12
OTCPK:FBLV's Equity to Asset is ranked higher than
83% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OTCPK:FBLV: 0.12 )
OTCPK:FBLV' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.12

0.07
0.12
Interest Coverage 2.98
OTCPK:FBLV's Interest Coverage is ranked higher than
83% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. OTCPK:FBLV: 2.98 )
OTCPK:FBLV' s 10-Year Interest Coverage Range
Min: 0.24   Max: 2.98
Current: 2.98

0.24
2.98
F-Score: 5
Z-Score: 0.23
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 (%) 20.49
OTCPK:FBLV's Operating margin (%) is ranked higher than
62% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. OTCPK:FBLV: 20.49 )
OTCPK:FBLV' s 10-Year Operating margin (%) Range
Min: -29.55   Max: 49.78
Current: 20.49

-29.55
49.78
Net-margin (%) 12.94
OTCPK:FBLV's Net-margin (%) is ranked higher than
59% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. OTCPK:FBLV: 12.94 )
OTCPK:FBLV' s 10-Year Net-margin (%) Range
Min: -17.14   Max: 30.65
Current: 12.94

-17.14
30.65
ROE (%) 5.57
OTCPK:FBLV's ROE (%) is ranked higher than
64% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. OTCPK:FBLV: 5.57 )
OTCPK:FBLV' s 10-Year ROE (%) Range
Min: -6.57   Max: 27.09
Current: 5.57

-6.57
27.09
ROA (%) 0.65
OTCPK:FBLV's ROA (%) is ranked higher than
68% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. OTCPK:FBLV: 0.65 )
OTCPK:FBLV' s 10-Year ROA (%) Range
Min: -0.72   Max: 2.23
Current: 0.65

-0.72
2.23
ROC (Joel Greenblatt) (%) 42.33
OTCPK:FBLV's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. OTCPK:FBLV: 42.33 )
OTCPK:FBLV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -54.27   Max: 187.97
Current: 42.33

-54.27
187.97
Revenue Growth (%) -5.60
OTCPK:FBLV's Revenue Growth (%) is ranked higher than
60% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. OTCPK:FBLV: -5.60 )
OTCPK:FBLV' s 10-Year Revenue Growth (%) Range
Min: -12.2   Max: 27.1
Current: -5.6

-12.2
27.1
EBITDA Growth (%) 16.50
OTCPK:FBLV's EBITDA Growth (%) is ranked higher than
85% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. OTCPK:FBLV: 16.50 )
OTCPK:FBLV' s 10-Year EBITDA Growth (%) Range
Min: -23.6   Max: 77.2
Current: 16.5

-23.6
77.2
EPS Growth (%) 40.50
OTCPK:FBLV's EPS Growth (%) is ranked higher than
94% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. OTCPK:FBLV: 40.50 )
OTCPK:FBLV' s 10-Year EPS Growth (%) Range
Min: -38.6   Max: 89.7
Current: 40.5

-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) 15.30
FBLV's P/E(ttm) is ranked higher than
72% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. FBLV: 15.30 )
FBLV' s 10-Year P/E(ttm) Range
Min: 3.71   Max: 373.55
Current: 15.3

3.71
373.55
P/B 1.13
FBLV's P/B is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FBLV: 1.13 )
FBLV' s 10-Year P/B Range
Min: 0.48   Max: 2.73
Current: 1.13

0.48
2.73
P/S 2.33
FBLV's P/S is ranked higher than
76% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. FBLV: 2.33 )
FBLV' s 10-Year P/S Range
Min: 0.8   Max: 5.39
Current: 2.33

0.8
5.39
PFCF 9.61
FBLV's PFCF is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. FBLV: 9.61 )
FBLV' s 10-Year PFCF Range
Min: 3.79   Max: 26.69
Current: 9.61

3.79
26.69
EV-to-EBIT 4.52
FBLV's EV-to-EBIT is ranked higher than
97% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. FBLV: 4.52 )
FBLV' s 10-Year EV-to-EBIT Range
Min: 1.2   Max: 55.5
Current: 4.52

1.2
55.5
Shiller P/E 19.80
FBLV's Shiller P/E is ranked higher than
75% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.55 vs. FBLV: 19.80 )
FBLV' s 10-Year Shiller P/E Range
Min: 5.13   Max: 24.63
Current: 19.8

5.13
24.63

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
FBLV's Price/Tangible Book is ranked higher than
69% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. FBLV: 1.44 )
FBLV' s 10-Year Price/Tangible Book Range
Min: 0.73   Max: 4.69
Current: 1.44

0.73
4.69
Price/DCF (Projected) 0.57
FBLV's Price/DCF (Projected) is ranked higher than
85% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FBLV: 0.57 )
FBLV' s 10-Year Price/DCF (Projected) Range
Min: 0.26   Max: 1.11
Current: 0.57

0.26
1.11
Price/Median PS Value 1.03
FBLV's Price/Median PS Value is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FBLV: 1.03 )
FBLV' s 10-Year Price/Median PS Value Range
Min: 0.43   Max: 2.23
Current: 1.03

0.43
2.23
Price/Graham Number 0.84
FBLV's Price/Graham Number is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FBLV: 0.84 )
FBLV' s 10-Year Price/Graham Number Range
Min: 0.37   Max: 1.89
Current: 0.84

0.37
1.89
Earnings Yield (Greenblatt) 22.10
FBLV's Earnings Yield (Greenblatt) is ranked higher than
95% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FBLV: 22.10 )
FBLV' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 84.2
Current: 22.1

1.8
84.2
Forward Rate of Return (Yacktman) 8.49
FBLV's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. FBLV: 8.49 )
FBLV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -14.6   Max: 31.3
Current: 8.49

-14.6
31.3

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:FBNC.USA
First Bancorp is a bank holding company. The main activity of the company is the ownership and operation of First Bank, a state-chartered bank with its main office in Troy, North Carolina. It also owns and operates a nonbank subsidiary, Montgomery Data Services, Inc., a data processing company It is engaged in a range of banking activities, with the acceptance of deposits and the making of loans being its most basic activities. It offers deposit products such as checking, savings, NOW and money market accounts, as well as time deposits, including various types of certificates of deposits (CDs) and individual retirement accounts (IRAs). The bank provides loans for a range of consumer and commercial purposes, including loans for business, agriculture, real estate, personal uses, home improvement and automobiles. It also offers credit cards, debit cards, letters of credit, safe deposit box rentals, bank money orders and electronic funds transfer services, including wire transfers. In addition, the Bank offers internet banking, cash management and bank-by-phone capabilities to its customers, and is affiliated with ATM networks. The bank offers remote deposit capture, which provides business customers with a method to electronically transmit checks received from customers into their bank account without having to visit a branch. The bank operates two uniquely Hispanic branches under the trade name 'Primer Banco,' which means First Bank in Spanish. The bank operates in a 28-county area centered in Troy, North Carolina. It conducts business from more than 70 branches located within a 120-mile radius of Troy, covering mainly a geographical area from Florence, South Carolina to the southeast, to Wilmington, North Carolina to the east, to Radford, Virginia to the north, to Wytheville, Virginia to the northwest, and to Harmony, North Carolina to the west. The bank also has a loan production office in Blacksburg, which is located in southwestern Virginia and represents the Bank's furthest location to the north of Troy. The bank has one wholly owned subsidiary, First Bank Insurance Services, Inc., which was acquired as an active insurance agency in 1994 in connection with the company's acquisition of a bank that had an insurance subsidiary.

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