First Bancorp (FBNC) fair value analysis

Fundamentals (4 quarters) how computed

Market cap

$2.5B

P/E (trailing)

13x

Revenue (TTM)

$428M

Net margin

31.1%

EPS (TTM)

$4.55

Gross margin

-80.8%

Debt / equity

0.04

Revenue growth (3-yr avg)

-28.2%

Shares outstanding

41.4M

Derived indicators how computed

Quality grade

D →

Margin trend

Contracting

52-week position

The upper-middle quarter of its range

Technicals how computed

RSI (14-day)

45 · neutral

50-day average

$63.14

200-day average

$60.08

Moving-average state

50-day above 200-day (golden cross state); price between the averages

Dividends how computed

Paid, last 12 months

$0.95 per share (4 payments)

Yield on last price

1.57%

Consecutive years of increases

1

Last ex-dividend date

2026-09-30

Last payment date

2026-10-23

Earnings how computed

Next earnings report

2026-10-28

Last 8 quarters vs consensus

6 beat, 0 missed

Quarter by quarter

2026-06 ▲ beat (+6.1%)
2026-03 ▲ beat (+3.7%)
2025-12 ▲ beat (+14.4%)
2025-09 ▲ beat (+9.8%)
2025-06 ▬ met (0.0%)
2025-03 ▲ beat (+7.7%)
2024-12 ▲ beat (+2.7%)
2024-09 ▬ met (0.0%)

Analyst consensus how computed

This is not TickrTrends' verdict.

Analyst ratings

3 buy · 2 hold · 0 sell (5 analysts)

Consensus lean

Buy-leaning

Consensus price target

$69

Target vs last price

+14.3%

Recent FBNC news

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

• First BanCorp (FBP) Launches $350M Stock Buyback and Raises Dividend by 25% (gurufocus.com, 2026-10-21)
  TickrTrends take: First BanCorp's decision to return capital through a 350 million dollar buyback and a 25 percent dividend increase occurs against TickrTrends' current assessment that the stock is overvalued. The simultaneous deployment of both buyback and dividend expansion suggests management confidence in financial position, though this capital allocation strategy may merit scrutiny from valuation-conscious investors given the current overvaluation designation. For shareholders focused on valuation metrics, monitoring whether these shareholder-friendly actions narrow or widen the gap between current pricing and intrinsic value will be important to assess the sustainability of this approach.
• First Bancorp (FBNC) Beats Q3 Earnings and Revenue Estimates (zacks.com, 2026-10-21)
  TickrTrends take: First Bancorp exceeded analyst expectations on both earnings and revenue in the third quarter, which typically supports higher equity valuations. However, TickrTrends currently rates FBNC as overvalued despite this earnings beat, suggesting the market price may already incorporate positive expectations for the company's Financial Services sector performance. A valuation-focused reader should monitor whether the company's future earnings growth can sustain the current stock valuation or if the overvaluation assessment reflects limited upside from current price levels.
• Will First Bancorp (FBNC) Beat Estimates Again in Its Next Earnings Report? (zacks.com, 2026-10-15)
  TickrTrends take: First Bancorp operates in the Financial Services sector, where earnings performance directly influences valuation multiples and investor expectations. TickrTrends currently assesses FBNC as overvalued, which means the stock price already reflects optimistic earnings assumptions relative to fundamentals. A valuation-focused reader should monitor whether the company's next earnings report validates the current market pricing or reveals whether estimates have been set too high, as this will be critical to determining whether the overvaluation assessment holds.

More FBNC news

• Why First BanCorp (FBP) is a Great Dividend Stock Right Now (zacks.com, 2026-10-02)
• CEO Richard Moore Sells 23,343 Shares of First Bancorp (FBNC) (gurufocus.com, 2026-09-30)
• Judge sides with Epstein victim who sued Puerto Rico bank (americanbanker.com, 2026-09-29)

What people are saying

Follow the FBNC conversation: Stocktwits · Reddit · X

TickrTrends weekly updates

• 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
• 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
• 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
• 2026-10-10 — # FBNC Weekly Indicator Summary TickrTrends' derived indicators for FBNC show improved relative valuation positioning within the Financial Services sector this week. The stock's sector discount rank moved from #131 to #125, indicating a modest strengthening in its valuation standing compared to peers. Despite this improvement, FBNC remains assessed as overvalued according to current valuation metrics.
• 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
• 2026-09-28 — FBNC's sector positioning has weakened this week as its discount rank among Financial Services companies declined from 123 to 130, indicating a reduced valuation advantage relative to peers. The stock's overvalued assessment persists despite this shift in its comparative standing within the sector.
• 2026-09-21 — # FBNC Weekly Indicator Summary TickrTrends' derived indicators for FBNC show a shift in momentum this week, with the 50/200-day trend state moving from uptrend to mixed. The current valuation verdict remains overvalued, indicating that the stock's price may not be justified by fundamental metrics relative to the broader Financial Services sector. This transition to a mixed trend state suggests reduced directional clarity in the near term.
• 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.

Frequently asked questions

Is FBNC stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), 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 #120 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.

Is FBNC overbought or oversold?

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

Does FBNC pay a dividend?

Yes. FBNC paid $0.95 per share over the last twelve months (4 payments), a 1.57% yield on TickrTrends' last price, and has raised the annual total for 1 consecutive year. The last ex-dividend date was 2026-09-30.

When does FBNC report earnings next?

FBNC's next earnings report is scheduled for 2026-10-28, per the published earnings calendar.

Does FBNC usually beat earnings estimates?

Over its last 8 reported quarters FBNC beat the consensus estimate 6 times and missed 0 times, by TickrTrends' comparison of reported and estimated EPS.

What do analysts say about FBNC?

Of 5 analysts covering FBNC, 3 rate it a buy, 2 a hold and 0 a sell - buy-leaning, with a consensus price target of $69 (+14.3% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.

More in Financial Services

• FCBC — First Community Bankshares, Inc.
• FCFS — FirstCash Holdings, Inc.
• FCNCA — First Citizens BancShares, Inc.
• FDS — FactSet Research Systems Inc.
• FFBC — First Financial Bancorp.
• FFIN — First Financial Bankshares, Inc.
• FHB — First Hawaiian, Inc.

All Financial Services fair-value coverage →

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