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What is First Carolina Financial Services PB Ratio?
First Carolina Financial ServicesFCBM +0.97%10 PB Ratio is 1.09 as of Jul. 31, 2026, which is 1% below its 10-year median of 1.10. GuruFocus rates FCBM with a GF Score™ of 10/100. Among 1,515 Banks companies, First Carolina Financial Services ranks better than 52.61% on this metric.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
First Carolina Financial Services PB Ratio Related Terms
First Carolina Financial Services PB Ratio 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 PB Ratio Chart
First Carolina Financial Services Annual Data
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First Carolina Financial Services Semi-Annual Data
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FCBM vs FRST, PKBK, CHMG: PB Ratio Comparison
For the Banks - Regional subindustry, First Carolina Financial Services's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Carolina Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where First Carolina Financial Services's PB Ratio falls into.
First Carolina Financial Services PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
First Carolina Financial Services (FCBM) has a PB Ratio of 1.09 as of Jul. 31, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Carolina Financial Services and its competitors. This is near median its historical median of 1.10. Over the past decade, First Carolina Financial Services' PB Ratio has ranged from 1.06 to 1.13. According to the industry distribution chart, First Carolina Financial Services ranks #718 out of 1515 companies in the Banks industry, placing it in the top 47.4%.
Is First Carolina Financial Services' PB Ratio too high?
First Carolina Financial Services' current PB Ratio of 1.09 is near median its 10-year median of 1.10. Over the past 10 years, this metric has ranged from a low of 1.06 to a high of 1.13. The Banks industry median PB Ratio is 1.11. First Carolina Financial Services' value of 1.09 is 1.8% below this industry median. Based on the distribution chart, First Carolina Financial Services ranks #718 out of 1515 companies in the Banks industry, which is above 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' PB Ratio compare to FRST and PKBK?
According to the Banks industry distribution chart, First Carolina Financial Services ranks #718 out of 1515 companies for PB Ratio. This puts First Carolina Financial Services in the upper half of its industry. The industry median PB Ratio is 1.11. First Carolina Financial Services' value of 1.09 is 1.8% below this benchmark. Historically, First Carolina Financial Services' own PB Ratio has ranged from 1.06 to 1.13 over the past decade. While the company's 10-year median is 1.10 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Carolina Financial Services's current PB Ratio of 1.09 is 1.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Carolina Financial Services and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Carolina Financial Services's current PB Ratio is 1.09, which is near median its own 10-year median of 1.10. 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 PB Ratio of 1.09. The current PB Ratio is 1.09, which is near median its 10-year median of 1.10 and 1.8% below the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For First Carolina Financial Services (FCBM), the current PB Ratio is 1.09 as of Jul. 31, 2026. 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 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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