First Bancorp (FBNC): Price and Financial Metrics

FBNC POWR Grades

• Momentum is the dimension where FBNC ranks best; there it ranks ahead of 83.6% of US stocks.
• FBNC's strongest trending metric is Growth; it's been moving up over the last 177 days.
• FBNC ranks lowest in Quality; there it ranks in the 19th percentile.

FBNC Stock Summary

• FBNC's one year PEG ratio, measuring expected growth in earnings next year relative to current common stock price is 147.69 -- higher than 83.55% of US-listed equities with positive expected earnings growth.
• FBNC's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 90.13% of US stocks.
• With a year-over-year growth in debt of 215.45%, FIRST BANCORP's debt growth rate surpasses 93.39% of about US stocks.
• Stocks with similar financial metrics, market capitalization, and price volatility to FIRST BANCORP are STBA, SYBT, MPB, FULT, and TRMK.
• FBNC's SEC filings can be seen here. And to visit FIRST BANCORP's official web site, go to www.localfirstbank.com.

FBNC Valuation Summary

• In comparison to the median Financial Services stock, FBNC's EV/EBIT ratio is 10.62% lower, now standing at 10.1.
• FBNC's price/sales ratio has moved up 0.3 over the prior 243 months.

Below are key valuation metrics over time for FBNC.

FBNC Growth Metrics

The 5 year net cashflow from operations growth rate now stands at 69.41%.
• Its 4 year net income to common stockholders growth rate is now at 212.85%.
• The year over year net cashflow from operations growth rate now stands at 180.98%.

FBNC's revenue has moved up $88,498,000 over the prior 33 months.

The table below shows FBNC's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	361.968	206.934	119.025
2022-06-30	340.537	188.32	108.719
2022-03-31	323.197	208.311	101.419
2021-12-31	304.975	138.901	95.644
2021-09-30	301.487	134.206	108.77
2021-06-30	296.137	93.676	104.424

FBNC's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• FBNC has a Quality Grade of C, ranking ahead of 30.19% of graded US stocks.
• FBNC's asset turnover comes in at 0.039 -- ranking 190th of 431 Banking stocks.
• EWBC, BANR, and HTLF are the stocks whose asset turnover ratios are most correlated with FBNC.

The table below shows FBNC's key quality metrics over time.