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What is First Carolina Financial Services FCF Margin %?
First Carolina Financial ServicesFCBM +0.97%10 FCF Margin % is 23.25% as of Dec. 2025, which is at its 10-year median of 23.25. GuruFocus rates FCBM with a GF Score™ of 10/100. Among 1,502 Banks companies, First Carolina Financial Services ranks worse than 53.99% on this metric.
* 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 FCF Margin % Chart
First Carolina Financial Services Annual Data
Trend
Dec23
Dec24
Dec25
FCF Margin %
-59.88
79.94
23.25
First Carolina Financial Services Semi-Annual Data
Dec23
Dec24
Dec25
FCF Margin %
-59.88
79.94
23.25
FCBM vs FRST, PKBK, CHMG: FCF Margin % Comparison
For the Banks - Regional subindustry, First Carolina Financial Services's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Carolina Financial Services's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Carolina Financial Services's FCF Margin % falls into.
* 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 (FCBM) has a FCF Margin % of 23.25% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Carolina Financial Services and its competitors. This is near median its historical median of 23.25. According to the industry distribution chart, First Carolina Financial Services ranks #811 out of 1502 companies in the Banks industry, placing it in the top 54%.
Is First Carolina Financial Services' FCF Margin % too high?
First Carolina Financial Services' current FCF Margin % of 23.25% is near median its 10-year median of 23.25. The Banks industry median FCF Margin % is 25.74. First Carolina Financial Services' value of 23.25% is 9.7% below this industry median. Based on the distribution chart, First Carolina Financial Services ranks #811 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, First Carolina Financial Services has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does First Carolina Financial Services' FCF Margin % compare to FRST and PKBK?
According to the Banks industry distribution chart, First Carolina Financial Services ranks #811 out of 1502 companies for FCF Margin %. This places First Carolina Financial Services in the lower half of its industry. The industry median FCF Margin % is 25.74. First Carolina Financial Services' value of 23.25% is 9.7% below this benchmark. While the company's 10-year median is 23.25 vs. the industry median of 25.74, First Carolina Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.74, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Carolina Financial Services's current FCF Margin % of 23.25% is 9.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Carolina Financial Services and its competitors. For the Banks industry, the median FCF Margin % is 25.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Carolina Financial Services's current FCF Margin % is 23.25%, which is near median its own 10-year median of 23.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Carolina Financial Services stock overvalued right now?
First Carolina Financial Services (FCBM) has a current FCF Margin % of 23.25%. The current FCF Margin % is 23.25%, which is near median its 10-year median of 23.25 and 9.7% below the Banks industry median of 25.74. First Carolina Financial Services' overall GF Score™ is 10/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Carolina Financial Services (FCBM), the current FCF Margin % is 23.25% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
First Carolina Financial Services Business Description
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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