FIRST BANCORP /NC/ (FBNC)
State Commercial Banks · Financial Services · $2.5B
Intrinsic Value (Consensus)
$52.18
Current Price
$60.90
Margin of Safety
-14.3%
14.3% Above Intrinsic Value
Value: $52
Price: $61
Valuation Model Estimates
Current Price: $60.90
DCF (Discounted Cash Flow)
$225.42
Graham Number
$49.10
Earnings Power Value
$26.02
Relative Value (P/E)
$53.60
Dividend Discount Model
$80.00
Consensus Value
$52.18
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
61
Profitability
15/25
Strength
24/25
Valuation
12/25
Growth
10/25
Financial Health Signals
Declining revenue — top line is shrinking
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $2.68
- EPS (Forward)
- $3.22
- Book Value
- $39.98
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 6.7%
- Debt/Equity
- 5%
- Revenue Growth
- -3.6%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.4%
- Beta
- 1.00
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-16
Source: Yahoo Finance