First Bancorp (FNLC) Stock Price
First Bancorp Price
Revenue has compounded at 4.5% per year over the past 19 years to 94.72 M USD. Earnings per share have grown at 4.8% per year over the last 19 years. First Bancorp's net margin stands at 36.3%, down from 42.3% several years earlier. First Bancorp currently offers a dividend yield of about 4.15%. The payout ratio is around 48% of earnings. The dividend has grown at 4.9% per year over the past 19 years. The stock trades about 46% above its 52-week low.
First Bancorp stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of First Bancorp over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how First Bancorp stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing First Bancorp's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | First Bancorp Price |
|---|---|
| 9/21/2026 | 35.17 USD |
| 9/18/2026 | 34.80 USD |
| 9/17/2026 | 35.09 USD |
| 9/16/2026 | 35.46 USD |
| 9/15/2026 | 35.14 USD |
| 9/14/2026 | 35.28 USD |
| 9/13/2026 | 35.39 USD |
| 9/11/2026 | 35.54 USD |
| 9/10/2026 | 35.04 USD |
| 9/9/2026 | 34.89 USD |
| 9/8/2026 | 34.58 USD |
| 9/7/2026 | 35.04 USD |
| 9/4/2026 | 35.14 USD |
| 9/3/2026 | 35.03 USD |
| 9/2/2026 | 34.66 USD |
| 9/1/2026 | 33.95 USD |
| 8/31/2026 | 34.26 USD |
| 8/30/2026 | 34.50 USD |
| 8/28/2026 | 34.61 USD |
| 8/27/2026 | 34.45 USD |
| 8/26/2026 | 34.46 USD |
| 8/25/2026 | 34.61 USD |
| 8/24/2026 | 34.92 USD |
| 8/21/2026 | 34.74 USD |
| 8/20/2026 | 35.04 USD |
| 8/19/2026 | 35.33 USD |
| 8/18/2026 | 35.25 USD |
| 8/14/2026 | 35.62 USD |
| 8/13/2026 | 35.52 USD |
| 8/12/2026 | 35.65 USD |
First Bancorp Revenue, Pre-Provision Profit, Net Income
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First Bancorp Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| Net Interest IncomeM USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 66.00 | 67.00 | 63.00 | 62.00 | 62.00 | 63.00 | 66.00 | 73.00 | 83.00 | 92.00 | 95.00 | 96.00 | 109.00 | 128.00 | 165.00 | 177.00 |
| -12.00 | 1.52 | -5.97 | -1.59 | – | 1.61 | 4.76 | 10.61 | 13.70 | 10.84 | 3.26 | 1.05 | 13.54 | 17.43 | 28.91 | 7.27 |
| 62.12 | 62.69 | 66.67 | 72.58 | 79.03 | 80.95 | 80.30 | 78.08 | 73.49 | 70.65 | 74.74 | 89.58 | 83.49 | 100.00 | 47.88 | 51.98 |
| 41.00 | 42.00 | 42.00 | 45.00 | 49.00 | 51.00 | 53.00 | 57.00 | 61.00 | 65.00 | 71.00 | 86.00 | 91.00 | 128.00 | 79.00 | 92.00 |
| 40.59 | 40.99 | 38.89 | 37.44 | 39.60 | 40.94 | 42.95 | 47.30 | 50.21 | 52.49 | 59.83 | 66.30 | 76.17 | 65.21 | 63.91 | 77.38 |
| 9.14 | 11.75 | 11.28 | 12.09 | 11.05 | 12.23 | 12.50 | 12.55 | 12.60 | 14.19 | 18.12 | 19.38 | 16.87 | – | 16.59 | 17.34 |
| 8.40 | 10.55 | 7.84 | 4.20 | 1.15 | 1.55 | 1.60 | 2.00 | 1.50 | 1.25 | 6.05 | -0.38 | 1.75 | 1.18 | 0.53 | 1.85 |
| 24.60 | 26.70 | 23.90 | 20.59 | 20.43 | 23.27 | 26.07 | 28.20 | 29.34 | 31.51 | 38.30 | 43.54 | 49.14 | 21.45 | 33.35 | 43.79 |
| 12.00 | 12.00 | 12.00 | 12.00 | 14.00 | 16.00 | 18.00 | 19.00 | 23.00 | 25.00 | 27.00 | 36.00 | 38.00 | 29.00 | 27.00 | 34.00 |
| -7.69 | – | – | – | 16.67 | 14.29 | 12.50 | 5.56 | 21.05 | 8.70 | 8.00 | 33.33 | 5.56 | -23.68 | -6.90 | 25.93 |
| 0.78 | 0.78 | 0.78 | 0.78 | 1.24 | 0.65 | 0.90 | 0.94 | 1.06 | 1.47 | 1.22 | 1.26 | 1.32 | 1.38 | 1.77 | 1.46 |
| 32.20 | – | – | – | 58.97 | -47.58 | 38.46 | 4.44 | 12.77 | 38.68 | -17.01 | 3.28 | 4.76 | 4.55 | 28.26 | -17.51 |
| 9.78 | 10.40 | 10.38 | 10.61 | 10.71 | 10.77 | 10.80 | 10.82 | 10.78 | 10.96 | 10.89 | 10.97 | 11.08 | 11.13 | 11.20 | 11.21 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales First Bancorp generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue First Bancorp retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare First Bancorp's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares First Bancorp has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against First Bancorp's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
First Bancorp stock margins
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First Bancorp Revenue per Share, Earnings per Share
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First Bancorp business model & stock analysis
First Bancorp SWOT Analysis
Strengths
First Bancorp Inc has a strong market presence in the banking industry, with a significant number of branches and a large customer base. This allows them to attract and retain a wide range of customers, including individual consumers and businesses.
The company has a solid financial position and a history of consistent profitability. This enables them to invest in new technologies and expand their services, thereby staying competitive in the market.
Weaknesses
One of the weaknesses of First Bancorp Inc is its heavy reliance on traditional banking services. With the rise of digital banking and fintech startups, the company may face challenges in adapting to the changing customer preferences and technological advancements.
Another weakness is their limited geographic presence, primarily serving a specific region. This narrows the potential market and makes them more susceptible to economic fluctuations and local market conditions.
Opportunities
First Bancorp Inc has an opportunity to tap into the growing demand for digital banking services. By investing in technological infrastructure and offering user-friendly online and mobile banking platforms, they can attract tech-savvy customers and expand their customer base.
Furthermore, the company can explore potential mergers and acquisitions to expand its geographic footprint and diversify its offerings. This would enable them to reach a larger customer base and potentially increase market share.
Threats
One of the key threats that First Bancorp Inc faces is increasing competition from both traditional banks and fintech companies. These competitors may offer innovative solutions and attract customers away from the company if they fail to keep up with the evolving market trends.
Moreover, regulatory changes and compliance requirements pose a threat to the company's operations. Non-compliance or failure to adapt to regulatory changes could result in penalties and reputational damage.
First Bancorp Employees
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First Bancorp Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
First Bancorp historical P/E ratio, EBIT multiple, and P/S ratio
First Bancorp annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down First Bancorp's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in First Bancorp's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare First Bancorp's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
First Bancorp shares outstanding
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First Bancorp stock splits
Since 1997, a total of 12 shares have been converted from one First Bancorp share.
First Bancorp Dividend History
28 years of dividend payments
First Bancorp dividend history and estimates
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First Bancorp dividend payout ratio
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First Bancorp Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 1/18/2023 | 1.43USD | 0.83USD | 51.06 MUSD | - | 2022 Q4 |
| 1/19/2022 | 1.89USD | 0.87USD | 50.76 MUSD | - | 2021 Q4 |
EESG©
Eulerpool ESG Scorecard© for the First Bancorp stock
EEnvironment
Environment
SSocial
Social
GGovernance (Corporate Governance)
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
First Bancorp shareholder structure
| % | Name |
|---|---|
8.08714% | |
4.10184% | |
3.89648% | |
3.35297% | |
2.35182% | |
2.03170% |
First Bancorp Beneficial Ownership Filings (SEC 13D/G)
| Stake | Holder | Filing |
|---|---|---|
6.60% | SEC ↗ |
First Bancorp Executives and Management Board
17 members · avg. age 58 · 41 % women
Mr. Tony Mckim (57)
President, Chief Executive Officer, Director of the Company and The First Bank · since 2005
1.38 M USD
Management
Mr. Richard Elder (59)
Treasurer of the Company, Executive Vice President and Chief Financial Officer of the Company and the Bank
Mr. Jonathan Nicholson (53)
Executive Vice President, Chief Lending Officer of the Bank
Ms. Sarah Tolman (46)
Executive Vice President, Chief Banking Officer of the Bank
Ms. Marcia Benner (44)
Executive Vice President, Chief Administrative Officer
Mr. Christopher Austin (51)
Clerk of the Company, Executive Vice President and Chief Legal Counsel of the Bank
Ms. Jody Brown (47)
Executive Vice President, Chief Risk Officer
Board of Directors
Mr. Bruce Tindal (74)
Independent Chairman of the Board
Mr. F. Stephen Ward (71)
Independent Director · since 2005
Ms. Renee Kelly (55)
Independent Director
Mr. Stuart Smith (71)
Independent Director · since 1997
Ms. Kimberly Swan (62)
Independent Director
Mr. Robert Gregory (71)
Independent Director · since 1987
Frequently asked questions about First Bancorp
The business model of First Bancorp Inc revolves around providing a comprehensive range of financial services to individuals, businesses, and communities. As a leading financial institution, First Bancorp Inc offers banking solutions such as consumer and commercial banking, mortgage lending, wealth management, and insurance services. Combining innovation with personalized customer service, First Bancorp Inc aims to meet the diverse needs of its clients. With a strong focus on building relationships and promoting economic growth, the company strives to contribute to the financial well-being of individuals and businesses in the regions it serves.
First Bancorp Inc is primarily active in the financial services industry.
The main competitors of First Bancorp Inc in the market include regional and national banking institutions such as Bank of America, BB&T Corporation, and Wells Fargo. These reputable competitors operate in the same market segments and offer similar banking and financial services. First Bancorp Inc faces tough competition in areas such as retail banking, commercial banking, wealth management, and mortgage services. As a leading player in the financial industry, First Bancorp Inc continuously strives to differentiate itself through innovative strategies and exceptional customer service to maintain its competitive edge against these formidable rivals.
First Bancorp Inc, a renowned financial institution, has a rich history and a prominent background in the banking industry. Established [insert date], First Bancorp Inc has become a trusted name in providing exceptional financial services and solutions to its customers. With its headquarters located in [insert location], the company boasts a team of experienced professionals dedicated to meeting the financial needs of both individuals and businesses. Over the years, First Bancorp Inc has gained recognition for its strong commitment to customer satisfaction, innovative banking products, and community involvement. The company's steadfast growth and remarkable track record have solidified its position as a leading player in the financial sector.
First Bancorp Inc, a leading financial institution, has achieved several significant milestones throughout its impressive journey. The company has successfully expanded its market presence, strengthened its customer base, and consistently delivered outstanding financial performance. First Bancorp Inc has demonstrated exceptional growth, establishing a solid reputation for its innovative banking solutions and exceptional customer service. The company's unwavering commitment to excellence has earned it numerous industry accolades, further solidifying its position as a trusted and reliable financial partner. With its consistent growth trajectory and commitment to customer satisfaction, First Bancorp Inc continues to shape the future of the banking industry.
First Bancorp Inc primarily operates in the United States.
As a professional stock website, we can provide information on the values and corporate philosophy that First Bancorp Inc represents. First Bancorp Inc is committed to delivering exceptional financial services to its customers and shareholders. The company puts great emphasis on integrity, professionalism, and innovation to ensure the highest level of customer satisfaction. With a strong focus on growth and continuous improvement, First Bancorp Inc strives to be a leader in the banking industry. By offering personalized solutions and building long-lasting relationships with its clients, the company aims to become the preferred choice for all their financial needs.
Converted at the current exchange rate, the First Bancorp share trades at 30.64 EUR (35.17 USD).
The First Bancorp share (FNLC) is listed on 1 stock exchanges, including: NASDAQ (FNLC).
First Bancorp Inc. is a diversified financial institution that offers a wide range of financial services, including banking, investment, and insurance services. The company is headquartered in Southern Pines, North Carolina. The company provides a variety of banking services, including savings accounts, certificates of deposit (CDs), checking accounts, credit cards, and consumer loans. First Bancorp Inc. is also a leader in providing mortgages, including financing for residential and commercial properties, construction loans, and refinancing. The company also offers securities services such as brokerage, investment advice, asset management, and estate planning. However, First Bancorp Inc.'s business model also includes other important areas such as insurance and asset management. The insurance division of First Bancorp Inc. provides solutions for auto insurance, home and liability insurance, as well as life and health insurance. The asset management division includes pension plan administration, investment funds, investment advice, and family wealth management. First Bancorp Inc. is constantly striving to provide its customers with seamless service and utilizes innovative technologies to offer a high level of convenience. In recent years, the company has invested in digital transformation and built high-performance information systems. As a result, First Bancorp Inc. offers a mobile banking app that allows customers to conduct banking transactions and real-time transactions through their smartphones. The company also provides online and mobile banking services, allowing customers to manage their business anytime and anywhere. The company's business model is based on the idea of providing financial services in a way that is not only convenient but also affordable. The company relies on a decentralized structure and has branches in multiple communities. This allows First Bancorp Inc. to meet the needs of local customers and build close relationships with its customer base. In terms of growth strategy, First Bancorp Inc. has embraced the acquisition of other financial institutions. In 2018, the company acquired both Carolina Bank Holding Inc. and ASB Bancorp Inc. to expand its market segment. Through acquisitions, First Bancorp Inc. can expand both its customer base and resources to achieve its growth goals. In summary, the business model of First Bancorp Inc. is based on diversification and customer proximity. By offering a wide range of financial services, both in the traditional and digital areas, the company aims to provide seamless service to its customers and gain their trust by expanding relationships and meeting customer needs.
The revenue cannot currently be calculated for First Bancorp.
The profit cannot currently be calculated for First Bancorp.
The P/E ratio cannot be calculated for First Bancorp at the moment.
The P/S cannot be calculated for First Bancorp currently.
The Eulerpool Quality Score for First Bancorp is 4/10.
The ISIN of First Bancorp is US31866P1021. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of First Bancorp is A0QZU1. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of First Bancorp is FNLC. The ticker symbol is used to trade First Bancorp shares on the stock exchange.
Over the past 12 months, First Bancorp paid a dividend of 1.46 USD . This corresponds to a dividend yield of about 4.15 %. For the coming 12 months, First Bancorp is expected to pay a dividend of 1.47 USD.
The current dividend yield of First Bancorp is 4.15 %.
First Bancorp pays a dividend, distributed in the months of October, January, April, July.
First Bancorp paid dividends every year for the past 27 years.
For the upcoming 12 months, dividends amounting to 1.47 USD are expected. This corresponds to a dividend yield of 4.22 %.
First Bancorp is assigned to the 'Finance' sector.
To receive the latest dividend of First Bancorp from 7/17/2026 amounting to 0.38 USD, you needed to have the stock in your portfolio before the ex-date on 7/7/2026.
The last dividend was paid out on 7/17/2026.
In the year 2025, First Bancorp distributed 1.46 USD as dividends.
The dividends of First Bancorp are distributed in USD.
First Bancorp stock
First Bancorp Peer Group
First Bancorp Ticker
First Bancorp FIGI
All fundamentals and in-depth analysis of First Bancorp
Our stock analysis for First Bancorp stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of First Bancorp. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.