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What is First Carolina Financial Services PS Ratio?
First Carolina Financial ServicesFCBM 10 PS Ratio is 5.51 as of Sep. 15, 2026, which is 1% above its 10-year median of 5.43. GuruFocus rates FCBM with a GF Score™ of 10/100. Among 1,506 Banks companies, First Carolina Financial Services ranks worse than 87.18% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, First Carolina Financial Services's share price is $12.93.
First Carolina Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was $2.35. Hence, First Carolina Financial Services's PS Ratio for today is 5.51.
First Carolina Financial Services (NYSE:FCBM) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
First Carolina Financial Services PS Ratio Related Terms
First Carolina Financial Services PS 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.
For the Banks - Regional subindustry, First Carolina Financial Services's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Carolina Financial Services's PS Ratio distribution charts can be found below:
* The bar in red indicates where First Carolina Financial Services's PS Ratio falls into.
First Carolina Financial Services PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
First Carolina Financial Services's Share Price of today is $12.93. First Carolina Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.35.
* 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:
First Carolina Financial Services (FCBM) has a PS Ratio of 5.51 as of Sep. 15, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on First Carolina Financial Services and its competitors. This is near median its historical median of 5.43. Over the past decade, First Carolina Financial Services' PS Ratio has ranged from 5.32 to 5.65. According to the industry distribution chart, First Carolina Financial Services ranks #1313 out of 1506 companies in the Banks industry, placing it in the top 87.2%.
Is First Carolina Financial Services' PS Ratio too high?
First Carolina Financial Services' current PS Ratio of 5.51 is near median its 10-year median of 5.43. Over the past 10 years, this metric has ranged from a low of 5.32 to a high of 5.65. The Banks industry median PS Ratio is 3.10. First Carolina Financial Services' value of 5.51 is 77.7% above this industry median. Based on the distribution chart, First Carolina Financial Services ranks #1313 out of 1506 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' PS Ratio compare to CHMG and FNLC?
According to the Banks industry distribution chart, First Carolina Financial Services ranks #1313 out of 1506 companies for PS Ratio. This places First Carolina Financial Services in the lower half of its industry. The industry median PS Ratio is 3.10. First Carolina Financial Services' value of 5.51 is 77.7% above this benchmark. Historically, First Carolina Financial Services' own PS Ratio has ranged from 5.32 to 5.65 over the past decade. While the company's 10-year median is 5.43 vs. the industry median of 3.10, First Carolina Financial Services has consistently been above 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.10, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Carolina Financial Services's current PS Ratio of 5.51 is 77.7% above 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on First Carolina Financial Services and its competitors. For the Banks industry, the median PS Ratio is 3.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Carolina Financial Services's current PS Ratio is 5.51, which is near median its own 10-year median of 5.43. 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 PS Ratio of 5.51. The current PS Ratio is 5.51, which is near median its 10-year median of 5.43 and 77.7% above the Banks industry median of 3.10. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For First Carolina Financial Services (FCBM), the current PS Ratio is 5.51 as of Sep. 15, 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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