First Carolina Financial Services

FCBM | NYSE

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$12.88

-$0.23 (-1.75%)

At close: Oct 30, 2026, 4:00 PM ET

$12.88

$0.00 (0.00%)

After-hours: Oct 30, 2026, 4:00 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $389.57M

Enterprise Value $-135.3M

Beta 1.24

Average Volume 142.41K

Shares Outstanding (Diluted) 30.84M

Shares Change YoY 1.96%

Institutional Ownership 27.73%

Exchange NYSE

ISIN US31943F2002

Price Performance

Price Change 1M 2.0%

Price Change 3M 3.0%

Price Change 6M N/A

Price Change YTD N/A

Price Change 1Y N/A

Price Change 3Y N/A

Price Change 5Y N/A

1M CAGR (ann.) 1.5%

1Y CAGR (ann.) N/A

5Y CAGR (ann.) N/A

All-Time CAGR 6.2%

Valuation

PE Ratio 19.52

Forward PE 9.19

PEG Ratio 0.06

Forward PEG 0.50

PS Ratio 2.43

Forward PS 2.30

PB Ratio 0.90

P/FCF Ratio 20.32

P/Adj. FCF Ratio 21.24

P/OCF Ratio 15.52

EV/Sales -0.84

EV/EBIT -5.68

EV/EBITDA -5.21

EV/FCF -7.06

Earnings Yield 5.1%

FCF Yield 4.9%

Adj. FCF Yield 4.7%

Financial Health

Net Cash $524.87M

Total Debt $31.65M

Cash & Short-Term Investments $556.52M

Total Assets $3.67B

Current Ratio 0.00

Quick Ratio 0.00

Debt / Equity Ratio 0.07

Debt / EBITDA 1.22

Debt / FCF 1.65

OCF / Debt 0.61

Interest Coverage 0.35

Altman Z-Score 0.36

Piotroski F-Score 3

Margins & Profitability

Gross Profit Margin 61.4%

Operating Profit Margin 14.8%

EBITDA Margin 15.5%

Net Profit Margin 10.7%

FCF Margin 11.9%

Adj. FCF Margin 11.4%

SBC / Revenue 0.8%

SBC Impact (per share) -4.3%

Returns

Return on Assets 0.6%

Return on Equity 5.8%

Return on Invested Capital 3.4%

Return on Capital Employed 0.8%

Return on Tangible Assets 0.7%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Mar 3, 2027

EPS Estimate (next Q) $0.25

EPS Growth Est (next Q) N/A

Revenue Est (next Q) $37.62M

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $14.43

Graham Upside 12.0%

Lynch Fair Value N/A

Lynch Upside N/A

Price Target $14.50

Price Target Upside 12.6%

Cash Flow

Operating Cash Flow $19.4M

Free Cash Flow $19.17M

Adj. Free Cash Flow $18.34M

FCF Per Share $0.79

OCF Per Share $0.83

OCF/S Ratio 11.6%

Income Statement

Revenue $160.51M

Gross Profit $98.69M

Operating Income $23.82M

EBITDA $25.95M

Net Income $18.9M

EPS (Diluted) $0.66

Revenue / Employee $610.29K

Profit / Employee $71.87K

Employees 263