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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. First Carolina Financial Services's selling, general, & admin. expense for the
six
months ended in Dec. 2025 was $77.3 Mil.
First Carolina Financial Services does not have enough years/quarters to calculate its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Dec. 2025.
First Carolina Financial Services (NYSE:FCBM) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
First Carolina Financial Services Selling, General, & Admin. Expense Related Terms
First Carolina Financial Services Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart
First Carolina Financial Services Annual Data
Trend
Dec23
Dec24
Dec25
Selling, General, & Admin. Expense
30.36
38.72
77.34
First Carolina Financial Services Semi-Annual Data
Dec23
Dec24
Dec25
Selling, General, & Admin. Expense
30.36
38.72
77.34
FCBM vs FRST, PKBK, CHMG: Selling, General, & Admin. Expense Comparison
For the Banks - Regional subindustry, First Carolina Financial Services's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, First Carolina Financial Services's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where First Carolina Financial Services's Selling, General, & Admin. Expense falls into.
First Carolina Financial Services Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
What does a Selling, General, & Admin. Expense of $ Mil mean?
First Carolina Financial Services (FCBM) has a Selling, General, & Admin. Expense of $ Mil as of Dec. 2025. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on First Carolina Financial Services and its competitors.
Is First Carolina Financial Services' Selling, General, & Admin. Expense too high?
First Carolina Financial Services' current Selling, General, & Admin. Expense is $ Mil. 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' Selling, General, & Admin. Expense compare to FRST and PKBK?
First Carolina Financial Services' Selling, General, & Admin. Expense of $ Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on First Carolina Financial Services and its competitors. First Carolina Financial Services's current Selling, General, & Admin. Expense is $ Mil. 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 Selling, General, & Admin. Expense of $ Mil. The current Selling, General, & Admin. Expense is $ Mil. 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 Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For First Carolina Financial Services (FCBM), the current Selling, General, & Admin. Expense is $ Mil 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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