Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
What is First Carolina Financial Services Net Margin %?
First Carolina Financial ServicesFCBM +0.97%10 Net Margin % is 8.86% as of Dec. 2025, which is 70% below its 10-year median of 29.23. GuruFocus rates FCBM with a GF Score™ of 10/100. Among 1,526 Banks companies, First Carolina Financial Services ranks worse than 89.52% on this metric.
The historical rank and industry rank for First Carolina Financial Services's Net Margin % or its related term are showing as below:
FCBM'
s Net Margin % Range Over the Past 10 Years
Min: 8.86 Med: 29.23 Max: 31.13
Current: 8.86
FCBM's Net Margin % is ranked worse than 89.52% of 1526
companies
in the Banks industry
Industry Median: 27.05
vs FCBM: 8.86
First Carolina Financial Services (NYSE:FCBM) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First Carolina Financial Services Net Margin % Related Terms
First Carolina Financial Services Net Margin % Historical Data
* 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 Net Margin % Chart
First Carolina Financial Services Annual Data
Trend
Dec23
Dec24
Dec25
Net Margin %
31.13
29.23
8.86
First Carolina Financial Services Semi-Annual Data
Dec23
Dec24
Dec25
Net Margin %
31.13
29.23
8.86
FCBM vs FRST, PKBK, CHMG: Net Margin % Comparison
For the Banks - Regional subindustry, First Carolina Financial Services's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Carolina Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Carolina Financial Services's Net 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 Net Margin % of 8.86% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on First Carolina Financial Services and its competitors. This is 70% below median its historical median of 29.23. Over the past decade, First Carolina Financial Services' Net Margin % has ranged from 8.86 to 31.13. According to the industry distribution chart, First Carolina Financial Services ranks #1366 out of 1526 companies in the Banks industry, placing it in the top 89.5%.
Is First Carolina Financial Services' Net Margin % too high?
First Carolina Financial Services' current Net Margin % of 8.86% is 70% below median its 10-year median of 29.23. Over the past 10 years, this metric has ranged from a low of 8.86 to a high of 31.13. The Banks industry median Net Margin % is 27.05. First Carolina Financial Services' value of 8.86% is 67.2% below this industry median. Based on the distribution chart, First Carolina Financial Services ranks #1366 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Net Margin % compare to FRST and PKBK?
According to the Banks industry distribution chart, First Carolina Financial Services ranks #1366 out of 1526 companies for Net Margin %. This places First Carolina Financial Services in the lower half of its industry. The industry median Net Margin % is 27.05. First Carolina Financial Services' value of 8.86% is 67.2% below this benchmark. Historically, First Carolina Financial Services' own Net Margin % has ranged from 8.86 to 31.13 over the past decade. While the company's 10-year median is 29.23 vs. the industry median of 27.05, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.05, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Carolina Financial Services's current Net Margin % of 8.86% is 67.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First Carolina Financial Services and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Carolina Financial Services's current Net Margin % is 8.86%, which is 70% below median its own 10-year median of 29.23. 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 Net Margin % of 8.86%. The current Net Margin % is 8.86%, which is 70% below median its 10-year median of 29.23 and 67.2% below the Banks industry median of 27.05. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First Carolina Financial Services (FCBM), the current Net Margin % is 8.86% 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.
10GF Score
Get the complete analysis for FCBM
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FCBM has been successfully added to your 
