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First Carolina Financial ServicesFCBM +0.97%10 ROE % is 3.57% as of Dec. 2025, which is 48% below its 10-year median of 6.91. GuruFocus rates FCBM with a GF Score™ of 10/100. Among 1,524 Banks companies, First Carolina Financial Services ranks worse than 87.73% on this metric.
FCBM'
s ROE % Range Over the Past 10 Years
Min: 3.57 Med: 6.91 Max: 7.31
Current: 3.57
During the past 3 years, First Carolina Financial Services's highest ROE % was 7.31%. The lowest was 3.57%. And the median was 6.91%.
FCBM's ROE % is ranked worse than 87.73% of 1524
companies
in the Banks industry
Industry Median: 10.32
vs FCBM: 3.57
First Carolina Financial Services (NYSE:FCBM) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
First Carolina Financial Services ROE % Related Terms
First Carolina Financial Services ROE % 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 ROE % Chart
First Carolina Financial Services Annual Data
Trend
Dec23
Dec24
Dec25
ROE %
7.31
6.91
3.57
First Carolina Financial Services Semi-Annual Data
Dec23
Dec24
Dec25
ROE %
7.31
6.91
3.57
FCBM vs FRST, PKBK, CHMG: ROE % Comparison
For the Banks - Regional subindustry, First Carolina Financial Services's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, First Carolina Financial Services's ROE % distribution charts can be found below:
* The bar in red indicates where First Carolina Financial Services's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
First Carolina Financial Services (FCBM) has a ROE % of 3.57% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Carolina Financial Services and its competitors. This is 48% below median its historical median of 6.91. Over the past decade, First Carolina Financial Services' ROE % has ranged from 3.57 to 7.31. According to the industry distribution chart, First Carolina Financial Services ranks #1337 out of 1524 companies in the Banks industry, placing it in the top 87.7%.
Is First Carolina Financial Services' ROE % too high?
First Carolina Financial Services' current ROE % of 3.57% is 48% below median its 10-year median of 6.91. Over the past 10 years, this metric has ranged from a low of 3.57 to a high of 7.31. The Banks industry median ROE % is 10.32. First Carolina Financial Services' value of 3.57% is 65.4% below this industry median. Based on the distribution chart, First Carolina Financial Services ranks #1337 out of 1524 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' ROE % compare to FRST and PKBK?
According to the Banks industry distribution chart, First Carolina Financial Services ranks #1337 out of 1524 companies for ROE %. This places First Carolina Financial Services in the lower half of its industry. The industry median ROE % is 10.32. First Carolina Financial Services' value of 3.57% is 65.4% below this benchmark. Historically, First Carolina Financial Services' own ROE % has ranged from 3.57 to 7.31 over the past decade. While the company's 10-year median is 6.91 vs. the industry median of 10.32, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.32, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Carolina Financial Services's current ROE % of 3.57% is 65.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Carolina Financial Services and its competitors. For the Banks industry, the median ROE % is 10.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Carolina Financial Services's current ROE % is 3.57%, which is 48% below median its own 10-year median of 6.91. 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 ROE % of 3.57%. The current ROE % is 3.57%, which is 48% below median its 10-year median of 6.91 and 65.4% below the Banks industry median of 10.32. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For First Carolina Financial Services (FCBM), the current ROE % is 3.57% 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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