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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 1.38
FBNC's Cash-to-Debt is ranked higher than
52% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FBNC: 1.38 )
Ranked among companies with meaningful Cash-to-Debt only.
FBNC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.41  Med: 1.93 Max: No Debt
Current: 1.38
0.41
No Debt
Equity-to-Asset 0.13
FBNC's Equity-to-Asset is ranked higher than
76% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. FBNC: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
FBNC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.13
Current: 0.13
0.07
0.13
Debt-to-Equity 0.56
FBNC's Debt-to-Equity is ranked higher than
56% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.72 vs. FBNC: 0.56 )
Ranked among companies with meaningful Debt-to-Equity only.
FBNC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0  Med: 0.49 Max: 1.77
Current: 0.56
0
1.77
Debt-to-EBITDA 1.62
FBNC's Debt-to-EBITDA is ranked higher than
56% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.99 vs. FBNC: 1.62 )
Ranked among companies with meaningful Debt-to-EBITDA only.
FBNC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.62
Current: 1.62
0
1.62
Beneish M-Score: -2.10
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 : 2/10

vs
industry
vs
history
Net Margin % 28.10
FBNC's Net Margin % is ranked higher than
65% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. FBNC: 28.10 )
Ranked among companies with meaningful Net Margin % only.
FBNC' s Net Margin % Range Over the Past 10 Years
Min: -17.14  Med: 17.89 Max: 46.81
Current: 28.1
-17.14
46.81
ROE % 11.27
FBNC's ROE % is ranked higher than
69% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. FBNC: 11.27 )
Ranked among companies with meaningful ROE % only.
FBNC' s ROE % Range Over the Past 10 Years
Min: -7.48  Med: 6.8 Max: 20.02
Current: 11.27
-7.48
20.02
ROA % 1.36
FBNC's ROA % is ranked higher than
76% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FBNC: 1.36 )
Ranked among companies with meaningful ROA % only.
FBNC' s ROA % Range Over the Past 10 Years
Min: -0.72  Med: 0.79 Max: 1.91
Current: 1.36
-0.72
1.91
3-Year Revenue Growth Rate 5.70
FBNC's 3-Year Revenue Growth Rate is ranked higher than
58% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. FBNC: 5.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FBNC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -12.3  Med: 7.4 Max: 27.2
Current: 5.7
-12.3
27.2
3-Year EPS without NRI Growth Rate 15.20
FBNC's 3-Year EPS without NRI Growth Rate is ranked higher than
76% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. FBNC: 15.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FBNC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 10.4 Max: 51.7
Current: 15.2
0
51.7
GuruFocus has detected 4 Warning Signs with First Bancorp FBNC.
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» FBNC's 30-Y Financials

Financials (Next Earnings Date: 2018-10-24)


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

» Details

Guru Trades

Q2 2017

FBNC Guru Trades in Q2 2017

Jim Simons 377,033 sh (-26.45%)
» More
Q3 2017

FBNC Guru Trades in Q3 2017

Jim Simons 442,933 sh (+17.48%)
» More
Q4 2017

FBNC Guru Trades in Q4 2017

Jim Simons 512,414 sh (+15.69%)
» More
Q1 2018

FBNC Guru Trades in Q1 2018

Jim Simons 581,209 sh (+13.43%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS:FBNC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:CHCO, NAS:EFSC, AMEX:TMP, NAS:BNCL, NAS:LKFN, NYSE:NBHC, NAS:SBSI, NAS:STBZ, NYSE:FBK, NAS:MSFG, OTCPK:FMBL, NAS:TBK, NAS:OPB, NAS:HFWA, NAS:PFBC, NAS:SBCF, NAS:WASH, NYSE:BANC, NAS:LBAI, NAS:BRKL » details
Traded in other countries:FBLV.USA,
Headquarter Location:USA
First Bancorp is a bank holding company of First Bank. It is company is engaged in providing banking services such as acceptance of deposits and the lending funds to the customers for various purposes.

First Bancorp is an US-based bank holding company. Its core business is the operation of First Bank. The company is engaged in providing banking services such as acceptance of deposits and the lending funds to the customers for various purposes. It provides checking, savings, and money market accounts, time deposits, including various types of certificates of deposits (CDs) and individual retirement accounts (IRAs). The company also provides loans for various purposes of consumer and commercial purposes, including loans for business, agriculture, real estate, personal uses, home improvement and automobiles. In addition, it offers credit cards, debit cards, letters of credit and electronic funds transfer services. Revenue of the company mostly comes from interest and commission.

Ratios

vs
industry
vs
history
PE Ratio 16.82
FBNC's PE Ratio is ranked lower than
59% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. FBNC: 16.82 )
Ranked among companies with meaningful PE Ratio only.
FBNC' s PE Ratio Range Over the Past 10 Years
Min: 3.71  Med: 15.24 Max: 386
Current: 16.82
3.71
386
Forward PE Ratio 14.51
FBNC's Forward PE Ratio is ranked lower than
66% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. FBNC: 14.51 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.82
FBNC's PE Ratio without NRI is ranked lower than
59% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. FBNC: 16.82 )
Ranked among companies with meaningful PE Ratio without NRI only.
FBNC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.71  Med: 15.24 Max: 386
Current: 16.82
3.71
386
Price-to-Owner-Earnings 20.61
FBNC's Price-to-Owner-Earnings is ranked lower than
71% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. FBNC: 20.61 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FBNC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.72  Med: 13.45 Max: 44.98
Current: 20.61
2.72
44.98
PB Ratio 1.71
FBNC's PB Ratio is ranked lower than
75% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. FBNC: 1.71 )
Ranked among companies with meaningful PB Ratio only.
FBNC' s PB Ratio Range Over the Past 10 Years
Min: 0.48  Med: 1.06 Max: 1.86
Current: 1.71
0.48
1.86
PS Ratio 4.73
FBNC's PS Ratio is ranked lower than
73% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FBNC: 4.73 )
Ranked among companies with meaningful PS Ratio only.
FBNC' s PS Ratio Range Over the Past 10 Years
Min: 0.69  Med: 2.32 Max: 4.78
Current: 4.73
0.69
4.78
Price-to-Free-Cash-Flow 114.02
FBNC's Price-to-Free-Cash-Flow is ranked lower than
93% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. FBNC: 114.02 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FBNC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.79  Med: 8.49 Max: 115.46
Current: 114.02
3.79
115.46
Price-to-Operating-Cash-Flow 79.64
FBNC's Price-to-Operating-Cash-Flow is ranked lower than
94% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. FBNC: 79.64 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FBNC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.47  Med: 7.45 Max: 572.31
Current: 79.64
2.47
572.31
EV-to-Revenue 4.33
FBNC's EV-to-Revenue is ranked higher than
51% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. FBNC: 4.33 )
Ranked among companies with meaningful EV-to-Revenue only.
FBNC' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.4  Med: 2 Max: 5.1
Current: 4.33
0.4
5.1
Shiller PE Ratio 33.69
FBNC's Shiller PE Ratio is ranked lower than
82% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.24 vs. FBNC: 33.69 )
Ranked among companies with meaningful Shiller PE Ratio only.
FBNC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.16  Med: 12.88 Max: 34.56
Current: 33.69
5.16
34.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.86
FBNC's Dividend Yield % is ranked lower than
91% of the 2530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FBNC: 0.86 )
Ranked among companies with meaningful Dividend Yield % only.
FBNC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.83  Med: 2.18 Max: 8.8
Current: 0.86
0.83
8.8
Dividend Payout Ratio 0.15
FBNC's Dividend Payout Ratio is ranked higher than
85% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FBNC: 0.15 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FBNC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.27 Max: 0.91
Current: 0.15
0.1
0.91
Forward Dividend Yield % 0.97
FBNC's Forward Dividend Yield % is ranked lower than
91% of the 2459 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. FBNC: 0.97 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.86
FBNC's 5-Year Yield-on-Cost % is ranked lower than
91% of the 2507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. FBNC: 0.86 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FBNC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.83  Med: 2.18 Max: 8.8
Current: 0.86
0.83
8.8
3-Year Average Share Buyback Ratio -14.60
FBNC's 3-Year Average Share Buyback Ratio is ranked lower than
82% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.40 vs. FBNC: -14.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBNC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -26.2  Med: -1.55 Max: 0
Current: -14.6
-26.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.64
FBNC's Price-to-Tangible-Book is ranked lower than
89% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FBNC: 2.64 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FBNC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.73  Med: 1.58 Max: 3.86
Current: 2.64
0.73
3.86
Price-to-Intrinsic-Value-Projected-FCF 1.38
FBNC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
85% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FBNC: 1.38 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FBNC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0  Med: 0.74 Max: 1.38
Current: 1.38
0
1.38
Price-to-Median-PS-Value 2.03
FBNC's Price-to-Median-PS-Value is ranked lower than
93% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. FBNC: 2.03 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FBNC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0  Med: 1.1 Max: 2.72
Current: 2.03
0
2.72
Price-to-Graham-Number 1.40
FBNC's Price-to-Graham-Number is ranked lower than
82% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. FBNC: 1.40 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FBNC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0  Med: 1.11 Max: 3.99
Current: 1.4
0
3.99

More Statistics

Revenue (TTM) (Mil) $251.51
EPS (TTM) $ 2.48
Beta0.82
Volatility18.99%
52-Week Range $29.81 - 43.13
Shares Outstanding (Mil)29.70

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 268 282 301
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 2.86 3.01 3.15
EPS without NRI ($) 2.86 3.01 3.15
EPS Growth Rate
(Future 3Y To 5Y Estimate)
11.80%
Dividends per Share ($) 0.40 0.43

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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