FCBM (First Carolina Financial Services) PS Ratio: (As of Jul. 31, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
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
View Full Analysis

What is First Carolina Financial Services PS Ratio?

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 $12.48. First Carolina Financial Services does not have enough years/quarters to calculate the Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025. Therefore GuruFocus does not calculate PS Ratio at this moment.

The historical rank and industry rank for First Carolina Financial Services's PS Ratio or its related term are showing as below:

FCBM' s PS Ratio Range Over the Past 10 Years
Min: 2.67   Med: 2.78   Max: 2.84
Current: 2.75

During the past 3 years, First Carolina Financial Services's highest PS Ratio was 2.84. The lowest was 2.67. And the median was 2.78.

FCBM's PS Ratio is ranked better than
57.19% of 1516 companies
in the Banks industry
Industry Median: 3.06 vs FCBM: 2.75

First Carolina Financial Services's Revenue per Sharefor the six months ended in Dec. 2025 was $4.56.

During the past 12 months, the average Revenue per Share Growth Rate of First Carolina Financial Services was 92.60% per year.

Back to Basics: PS Ratio


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.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

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

* Premium members only.

The historical data trend for First Carolina Financial Services's PS Ratio 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 PS Ratio Chart

First Carolina Financial Services Annual Data
Trend Dec23 Dec24 Dec25
PS Ratio
0.00 0.00 0.00

First Carolina Financial Services Semi-Annual Data
Dec23 Dec24 Dec25
PS Ratio 0.00 0.00 0.00

FCBM vs FRST, PKBK, CHMG: PS Ratio Comparison

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.


FCBM
10GF Score
First Carolina Financial Services Inc FCBM
PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=12.48/
=

It can also be calculated from the numbers for the whole company:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.


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.
10GF Score

Get the complete analysis for FCBM

PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.48
Price