First Bancorp (FBNC)
Operating cash flow minus capital spending left $198.9M of free cash flow in fiscal 2025. At September 30, 2026 it held $451.7M in cash against $74.8M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 2, 2026.
Key facts about First Bancorp
- Net worth
- First Bancorp has a market value (market cap) of $2.7B at the latest share price, and shareholders' equity of $1.7B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $203.1M of cash; after $4.2M of capital spending, free cash flow was $198.9M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 2, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- First Bancorp's next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- First Bancorp declared dividends of $0.91 per share in fiscal 2025, a yield of 1.39% at the current price.
What First Bancorp does
First Bancorp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker FBNC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $67.6M | $111M | $2.68 | $198.9M |
| 2024 | $70.1M | $76.2M | $1.84 | $172.1M |
| 2023 | $32.8M | $104.1M | $2.53 | $127M |
| 2022 | $17.4M | $146.9M | $4.12 | $225.4M |
| 2021 | $25.3M | $95.6M | $3.19 | $132.9M |
| 2020 | n/a | $81.5M | $2.81 | $46M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where FBNC ranks in Finance
Dividends
First Bancorp declared $0.91 per share in fiscal 2025. At the current price that is a yield of 1.39%. It paid out $37.3M in cash dividends, 34% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.91 | $37.3M | 34% |
| 2024 | $0.88 | $36.2M | 48% |
| 2023 | $0.88 | $34.9M | 34% |
| 2022 | $0.88 | $30.7M | 21% |
| 2021 | $0.80 | $22.2M | 23% |
| 2020 | $0.72 | $20.9M | 26% |
Latest SEC filings
What First Bancorp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 2, 2026
- October 21, 2026
- October 8, 2026
- September 24, 2026
- September 15, 2026Other event 8-K
- August 6, 2026
- July 22, 2026
- July 14, 2026
- June 17, 2026
- June 12, 2026Other event 8-K
What is FBNC worth? A DCF from its reported cash flow
Insider trades
What the people running First Bancorp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $14.8K and sold $1.5M worth of shares in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 29, 2026 | Moore Richard HChief Executive Officer, Director | Sold | 7,343 | $456.5K |
| September 28, 2026 | Moore Richard HChief Executive Officer, Director | Sold | 16,000 | $1M |
| September 11, 2026 | Nevin Katharine CaldwellDirector | Bought | 231 | $14.8K |
| June 29, 2026 | Bostian Elizabeth BChief Financial Officer | Shares withheld for tax | 1,887 | $119.9K |
| June 29, 2026 | Currie Gregory AChief Exec. Officer-First Bank, Director | Shares withheld for tax | 2,096 | $133.2K |
| June 29, 2026 | Moore Richard HChief Executive Officer, Director | Shares withheld for tax | 6,878 | $437K |
| June 23, 2026 | Moore Richard HChief Executive Officer, Director | Received as pay | 9,673 | $600K |
| June 23, 2026 | Currie Gregory AChief Exec. Officer-First Bank, Director | Received as pay | 7,739 | $480.1K |
Who owns FBNC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Fmr LLC13G, passive with 1 related filers | 8.8% | May 6, 2026 |
| Vanguard Capital Management13G, passive | 5.01% | April 29, 2026 |
Largest institutional holders
Insiders
17 insiders reported holding 507,016 shares in total, about $33.1M at the last price.
| Holder | Shares |
|---|---|
| Moore Richard HChief Executive Officer, Director | 125,014 |
| DeFerie Suzanne SDirector | 67,404 |
| Crawford James C IIIDirector | 61,563 |
| Mayer Michael GoodwinDirector | 42,354 |
| Taylor Frederick LeslieDirector | 40,231 |
| Currie Gregory AChief Exec. Officer-First Bank, Director | 28,293 |
| Mccauley John WDirector | 21,357 |
| McLamb Carlie C JrDirector | 21,007 |
| Wilson Christian AnthonyChief Operating Officer | 20,718 |
| Capel Mary ClaraRetired Board Member | 20,400 |
Questions about FBNC
What does First Bancorp do?
First Bancorp is a company in the Finance sector, listed on NASDAQ as FBNC. Its shares trade on NASDAQ under the ticker FBNC.
What is First Bancorp's net worth?
First Bancorp has a market value (market cap) of $2.7B at the latest share price, and shareholders' equity of $1.7B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is First Bancorp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $164.2M.
When did First Bancorp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 2, 2026. It covers the period to September 30, 2026.
When is First Bancorp's next earnings report?
First Bancorp's next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does First Bancorp pay a dividend?
Yes. First Bancorp declared dividends of $0.91 per share in fiscal 2025, a yield of 1.39% at the current price.
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Where the numbers come from
Financial figures are the values First Bancorp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.