First Bancorp (FBNC) fair value analysis

Nasdaq · Updated 2026-09-07

First Bancorp is a bank holding company that provides commercial and consumer banking services through its subsidiary FirstBank. The company operates primarily in North Carolina and South Carolina through a network of banking offices serving individuals, small businesses, and commercial clients in those states.

Forward Fair Value verdict

Overvalued

Based on TickrTrends' weekly Forward Fair Value model, FBNC is trading at a 10–25% premium to estimated fair value.

FBNC currently ranks #121 of 165 Financial Services stocks by discount to Forward Fair Value. It has screened as Overvalued for 3 consecutive weekly runs.

Last price: $63.92
Sector: Financial Services
12-month range: $49.00–$65.35

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: D
Leverage: Low
RSI zone: Neutral
50/200-day trend: Uptrend
52-week position: The top quarter of its range

What our data shows for FBNC

Our model validated 17 trailing price-to-earnings windows for FBNC, built from quarterly earnings records.
Shares are trading in the upper third of their 12-month price range of $49.00–$65.35.
The 14-day relative strength index sits at a neutral 54.

The exact numbers are one step away

The precise Forward Fair Value dollar figure for FBNC
Exact discount / premium to today's price
The normalized historical P/E behind the estimate, and how many quarters support it
Forward EPS input and fiscal-year basis
Screeners and rankings across the full S&P 500 and Nasdaq universes

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

Recent FBNC news

TickrTrends' derived news-sentiment signal for FBNC is currently leaning positive, computed from recent coverage.

First BanCorp (FBP) Director HERENCIA ROBERTO R Sells 26,350 Shares (gurufocus.com, 2026-09-05)
TickrTrends take: First BanCorp operates in the Financial Services sector where insider trading activity can signal management confidence or concern about current valuations. A director's sale of over 26,000 shares warrants attention given that TickrTrends currently rates FBNC as overvalued, as insider selling during periods of elevated valuation multiples may reinforce concerns about price levels. Investors focused on valuation metrics should monitor whether additional insider transactions emerge and track how the stock's valuation ratios respond to such activity.
I'm Not Ready To Downgrade The First Bancorp Stock Just Yet (NASDAQ:FNLC) (seekingalpha.com, 2026-09-02)
TickrTrends take: The analyst's cautious stance on First Bancorp contrasts with TickrTrends' current overvalued assessment, suggesting investors should monitor whether upcoming financial metrics or market conditions might justify the stock's present valuation levels. For valuation-focused readers, tracking changes in the company's earnings reports and capital position will be important to determine if the Financial Services sector positioning shifts the overvaluation verdict. The gap between analyst confidence and current valuation signals indicates heightened attention to FBNC's upcoming performance data.
First BanCorp (FBP) EVP, CCO and Chief of Staff Nayda Rivera Sells 10,000 Shares (gurufocus.com, 2026-08-29)
TickrTrends take: First BanCorp trades at a valuation that TickrTrends currently assesses as overvalued within the Financial Services sector. The recent sale of 10,000 shares by an executive officer may warrant attention from investors focused on valuation metrics, as insider transactions can reflect management's views on current price levels relative to intrinsic value. For those monitoring whether the stock's valuation premium is justified, tracking the volume and frequency of insider selling activity could provide additional context alongside fundamental financial metrics.

What people are saying

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TickrTrends weekly updates

2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
2026-09-06 — No material change this week: the verdict, bands and grades all held steady.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is FBNC stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), FBNC is trading at a 10–25% premium to estimated fair value and screens as overvalued. The exact fair value and discount are available to subscribers.

What is FBNC's TickrTrends verdict?

FBNC's current verdict is Overvalued, refreshed with every weekly Forward Fair Value run.

How does FBNC compare to other Financial Services stocks?

FBNC ranks #121 of 165 Financial Services stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is FBNC overbought or oversold?

FBNC's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Financial Services fair-value coverage →

Head-to-head comparisons

FBNC vs AFL · FBNC vs BEN · FBNC vs CFG · FBNC vs FFBC · FBNC vs NTRS