FIRST BANCORP /NC/(FBNC)Stock Analysis
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Rank #1,533 of 2,962 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
FBNC Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for FIRST BANCORP /NC/ (FBNC), a Financials sector company. 13F Pro's AI-powered ranking engine scores FBNC at 51.4/100 on a 32-signal composite quality model, placing it at rank #1,533 of 2,962 stocks — the bottom half of the AI-ranked universe. FBNC scores in the top quartile across free cash flow (95.1), profitability (92.1). Areas of concern include revenue scale (35.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 23.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), FIRST BANCORP /NC/ reports quarterly revenue of $127.3M, net income of $50.5M, free cash flow of $65.5M. Top institutional holders of FBNC by reported 13-F value include BlackRock, FMR, STATE STREET, based on the most recent SEC filings. FBNC trades on the Nasdaq exchange and files with the SEC under CIK 811589. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FBNC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST BANCORP /NC/ directly from SEC EDGAR. FIRST BANCORP /NC/'s 13F Pro composite quality score has ranged between 36 and 57 since 2026, currently 51.4 — an improving long-term trajectory across 48 quarterly and live scoring snapshots.
Revenue
Q2 2026
$127.3M
Net Income
Q2 2026
$50.5M
Free Cash Flow
Q2 2026
$65.5M
ROIC
Q2 2026
14.1%
D/E Ratio
Q2 2026
0.04
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
-3.6% YoYNet Income
+45.7% YoYEPS (Diluted)
+45.7% YoYTotal Assets
+4.3% YoYTotal Debt
-18.8% YoYOp. Cash Flow
+16.2% YoYFree Cash Flow
+15.5% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $67.6M -3.6% | $70.1M +113.7% | $32.8M +88.1% | $17.4M -31.1% | $25.3M -91.5% | $299.5M |
| Net Income | $111.0M +45.7% | $76.2M -26.8% | $104.1M -29.1% | $146.9M +53.6% | $95.6M +17.4% | $81.5M |
| EPS (Diluted) | $2.68 +45.7% | $1.84 -27.3% | $2.53 -38.6% | $4.12 +29.2% | $3.19 +13.5% | $2.81 |
| Total Assets | $12.67B +4.3% | $12.15B +0.3% | $12.11B +14.0% | $10.63B +1.1% | $10.51B +44.2% | $7.29B |
| Total Debt | $74.6M -18.8% | $91.9M -92.1% | $1.16B +128.0% | $508.4M +654.5% | $67.4M +9.0% | $61.8M |
| Operating Cash Flow | $203.1M +16.2% | $174.8M +33.0% | $131.4M -43.0% | $230.7M +62.1% | $142.3M +144.0% | $58.3M |
| Free Cash Flow | $198.9M +15.5% | $172.1M +35.6% | $127.0M -43.7% | $225.4M +69.5% | $132.9M +189.2% | $46.0M |
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13F Pro tracks comprehensive data for FIRST BANCORP /NC/ including:
Top Institutional Holders of FBNC
BlackRock, Inc.
$380.3M5,949,433 shFMR LLC
$236.4M3,698,447 shSTATE STREET CORP
$139.5M2,174,048 shVANGUARD CAPITAL MANAGEMENT LLC
$117.3M1,834,639 shDIMENSIONAL FUND ADVISORS LP
$109.1M1,706,908 shFRANKLIN RESOURCES INC
$107.4M1,679,672 shAMERIPRISE FINANCIAL INC
$78.0M1,220,535 shWESTWOOD HOLDINGS GROUP INC
$72.8M1,138,275 shGEODE CAPITAL MANAGEMENT, LLC
$70.1M1,096,960 shNOMURA ASSET MANAGEMENT INTERNATIONAL INC.
$60.9M953,287 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $380.3M | 5,949,433 |
| FMR LLC | $236.4M | 3,698,447 |
| STATE STREET CORP | $139.5M | 2,174,048 |
| VANGUARD CAPITAL MANAGEMENT LLC | $117.3M | 1,834,639 |
| DIMENSIONAL FUND ADVISORS LP | $109.1M | 1,706,908 |
| FRANKLIN RESOURCES INC | $107.4M | 1,679,672 |
| AMERIPRISE FINANCIAL INC | $78.0M | 1,220,535 |
| WESTWOOD HOLDINGS GROUP INC | $72.8M | 1,138,275 |
| GEODE CAPITAL MANAGEMENT, LLC | $70.1M | 1,096,960 |
| NOMURA ASSET MANAGEMENT INTERNATIONAL INC. | $60.9M | 953,287 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
Is FBNC a good stock to buy?
13F Pro's AI-powered analysis of FIRST BANCORP /NC/ (FBNC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FBNC are available on the FBNC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FBNC is classified as a mid company.
Which hedge funds own FBNC?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FBNC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST BANCORP /NC/'s investment landscape.