First Bancorp (FBNC) Stock Analysis
Range Bound setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $58.10, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: North Carolina and South Carolina; Analyst target reached - limited upside remaining.
First Bancorp is the fourth-largest commercial bank holding company headquartered in North Carolina, operating 113 branches (100 in NC, 13 in SC) with $12.7 billion in total assets and $10.7 billion in deposits as of December 31, 2025. It provides commercial and retail banking,... Read more
Hold if already holding. Not a fresh buy at $58.10, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: North Carolina and South Carolina; Analyst target reached - limited upside remaining. Chart setup: RSI 54 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.6/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 64d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Recent Developments — First Bancorp
Latest news
- First Bancorp Shareholders Reaffirm Board and Governance Practices - TipRanks — TipRanks positive
- First Bancorp (FBNC) Reports Strong Start to 2026 - GuruFocus — GuruFocus positive
- First Bancorp (FBNC) Beats Q1 Earnings Estimates - Yahoo Finance — Yahoo Finance positive
- Earnings Flash (FBNC) First Bancorp Reports Q1 Revenue $122.3M, vs. FactSet Est of $123.2M - marketscreener.com — marketscreener.com neutral
- First Bancorp (NASDAQ:FBNC) Releases Earnings Results, Beats Expectations By $0.04 EPS - MarketBeat — MarketBeat positive
Generated 2026-05-20T20:21:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicNorth Carolina and South Carolina10-K Item 1: 'Because we operate primarily within North Carolina and South Carolina, the economic conditions of these areas could have a material impact on the Company'
Material Events(8-K, last 90d)
- 2026-03-02Item 5.02MEDIUMMichael G. Mayer, President of First Bancorp and CEO of First Bank, retired effective February 28, 2026, in connection with the succession plan. No named successor announced; Mr. Mayer continues as a board director.SEC filing →
- 2026-01-27Item 5.02LOWDirector Mary Clara Capel retired from both boards effective January 27, 2026. No disagreement with operations cited.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $58.10, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: North Carolina and South Carolina; Analyst target reached - limited upside remaining. Chart setup: RSI 54 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $59.27 (+2.0%), stop $55.24 (−5.2%), A.R:R -0.5:1. Score 5.6/10, moderate confidence.
Take-profit target: $59.27 (+2.0% upside). Target $59.27 (+2.0%), stop $55.24 (−5.2%), A.R:R -0.5:1. Stop-loss: $55.24.
Concentration risk — Geographic: North Carolina and South Carolina; Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3).
First Bancorp trades at a P/E of 20.0 (forward 11.5). TrendMatrix value score: 7.1/10. Verdict: Hold.
10 analysts cover FBNC with a consensus score of 4.2/5. Average price target: $67.
What does First Bancorp do?First Bancorp is the fourth-largest commercial bank holding company headquartered in North Carolina, operating 113...
First Bancorp is the fourth-largest commercial bank holding company headquartered in North Carolina, operating 113 branches (100 in NC, 13 in SC) with $12.7 billion in total assets and $10.7 billion in deposits as of December 31, 2025. It provides commercial and retail banking, mortgage origination, and wealth management services primarily to individuals and small-to-medium businesses in the Carolinas.