FCBM (First Carolina Financial Services) EV-to-FCF: (As of Jul. 30, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FCBM First Carolina Financial Services Inc FCBM
10 GF Score
Price $12.48
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What is First Carolina Financial Services EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Carolina Financial Services's Enterprise Value is $381.8 Mil. First Carolina Financial Services does not have enough years/quarters to calculate its Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025. Therefore, GuruFocus does not calculate First Carolina Financial Services's EV-to-FCF at this moment.

The historical rank and industry rank for First Carolina Financial Services's EV-to-FCF or its related term are showing as below:

FCBM' s EV-to-FCF Range Over the Past 10 Years
Min: 11.63   Med: 12.09   Max: 12.33
Current: 11.92

During the past 3 years, the highest EV-to-FCF of First Carolina Financial Services was 12.33. The lowest was 11.63. And the median was 12.09.

FCBM's EV-to-FCF is ranked worse than
65.41% of 1191 companies
in the Banks industry
Industry Median: 7.24 vs FCBM: 11.92

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-30), First Carolina Financial Services's stock price is $12.48. First Carolina Financial Services does not have enough years/quarters to calculate its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025. Therefore, GuruFocus does not calculate First Carolina Financial Services's PE Ratio (TTM) at this moment.

First Carolina Financial Services  (NYSE:FCBM) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

First Carolina Financial Services's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=12.48/
=

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.

First Carolina Financial Services EV-to-FCF Related Terms

First Carolina Financial Services EV-to-FCF Historical Data

* Premium members only.

The historical data trend for First Carolina Financial Services's EV-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Carolina Financial Services EV-to-FCF Chart

First Carolina Financial Services Annual Data
Trend Dec23 Dec24 Dec25
EV-to-FCF
0.00 0.00 0.00

First Carolina Financial Services Semi-Annual Data
Dec23 Dec24 Dec25
EV-to-FCF 0.00 0.00 0.00

FCBM vs FRST, PKBK, CHMG: EV-to-FCF Comparison

For the Banks - Regional subindustry, First Carolina Financial Services's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

First Carolina Financial Services EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, First Carolina Financial Services's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where First Carolina Financial Services's EV-to-FCF falls into.


FCBM
10GF Score
First Carolina Financial Services Inc FCBM
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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First Carolina Financial Services EV-to-FCF Calculation

First Carolina Financial Services's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=381.789/
=

First Carolina Financial Services Business Description

Address 2626 Glenwood Avenue, Suite 200, Raleigh, NC, USA, 27608
First Carolina Financial Services Inc is a bank holding company. The company's activities consist of managing and owning the Bank and its direct and indirect subsidiaries. The Bank provides commercial banking, payment, consumer banking, and wealth management services to small and medium-sized businesses, individuals, professionals, as well as institutions of higher education. It has four primary lines of business: Commercial Banking, Payments, Consumer Banking and Wealth Management. The reportable segments are Community Banking and BM Tech. The majority of revenue is derived from the Community Banking segment, which comprises activities of a traditional banking institution, gathering deposits and originating loans for portfolio in its respective primary market areas.
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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