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First Carolina Financial Services (FCBM) Stock Price & Analysis

FCBM Stock Chart & Stats

$13.09$0.21(1.63%)
At close: 11:12 AM EST
$12.5$12.75$1310 Aug24 Aug8 Sep21 Sep5 Oct19 Oct2 Nov
Day’s Range
$13.00 - $13.23
52-Week Range
$12.17 - $13.40
Previous Close
$12.88
Volume
N/A
Average Volume (3M)
146.32K
Market Cap
$400.17M
Enterprise Value
$183.77M
Total Cash (Recent Filing)
$118.82M
Total Debt (Recent Filing)
$113.49M
Price to Earnings (P/E)
15.9
Beta
-0.15
Next Earnings
N/A
EPS Estimate
N/A
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Revenue Expansion

Revenue rose to approximately $212.0M in 2025 from $71.5M in 2024, showing a substantial increase in operating scale. If the expanded base is sustained, it can broaden the franchise’s earnings capacity and provide more resources for investment, even though margins require improvement.

Current Cash Generation

Operating cash flow of about $35.9M and free cash flow of about $32.0M in 2025 show that the company currently converts operations into internally generated funding. That supports reinvestment and balance-sheet flexibility over the next several quarters, although the multi-year record is uneven.

Credit Quality And Funding

Very low charge-offs and declining nonperforming assets indicate currently strong credit performance, while a 3.38% net interest margin and growth in operating deposits support bank profitability. Together, these trends suggest disciplined lending and a more durable funding base.

Bears Say

Profitability Compression

The sharp decline in net margin indicates that strong revenue growth has not translated proportionally into earnings. Persistently lower operating and net margins would reduce the quality of the expanded revenue base, limit internal capital formation, and weigh on future returns.

Lower Returns On Equity

ROE has fallen for two consecutive years, showing that the company is generating less profit from its growing equity base. Unless earnings efficiency improves, weaker returns can constrain retained-capital productivity and make future balance-sheet expansion less economically attractive.

Finance And Risk Leadership Transition

The planned retirement removes a senior finance and risk leader who helped guide expansion, the BM Technologies acquisition, and the IPO. The transition creates execution and continuity requirements as the company grows, particularly across financial reporting, risk oversight, and integration.

First Carolina Financial Services News

FCBM FAQ

What was First Carolina Financial Services’s price range in the past 12 months?
First Carolina Financial Services lowest stock price was $12.17 and its highest was $13.40 in the past 12 months.
What is First Carolina Financial Services’s market cap?
First Carolina Financial Services’s market cap is $400.17M.
When is First Carolina Financial Services’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were First Carolina Financial Services’s earnings last quarter?
First Carolina Financial Services released its earnings results on Oct 27, 2026. The company reported $0.26 earnings per share for the quarter, beating the consensus estimate of $0.223 by $0.037.
Is First Carolina Financial Services overvalued?
According to Wall Street analysts First Carolina Financial Services’s price is currently Undervalued.
Does First Carolina Financial Services pay dividends?
First Carolina Financial Services does not currently pay dividends.
What is First Carolina Financial Services’s EPS estimate?
First Carolina Financial Services’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does First Carolina Financial Services have?
First Carolina Financial Services has 31,068,851 shares outstanding.
What happened to First Carolina Financial Services’s price movement after its last earnings report?
First Carolina Financial Services reported an EPS of $0.26 in its last earnings report, beating expectations of $0.223. Following the earnings report the stock price went up 0.463%.
Which hedge fund is a major shareholder of First Carolina Financial Services?
Currently, no hedge funds are holding shares in FCBM
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology