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About the company
First Bancorp is a bank holding company. The principal activity of the Company is the ownership and operation of the First Bank (the Bank), a state-chartered bank with its main office in Southern Pines, North Carolina. The Bank has two wholly owned subsidiaries, Magnolia Financial, Inc. (Magnolia Financial) and First Troy SPE, LLC. Magnolia Financial is a business financing company that makes loans throughout the southeastern United States. The Bank maintains a diversified loan portfolio by providing a broad range of commercial and retail lending services to business entities and individuals. The Bank provides commercial business loans, commercial and residential real estate construction and mortgage loans, revolving lines of credit, letters of credit, and loans for personal uses, home improvement, and automobiles. The Bank offers a full range of deposit accounts and services to both retail and commercial customers. The Bank operates about 113 branches.
- Revenue in USD (TTM)557.24m
- Net income in USD110.42m
- Incorporated1983
- Employees1.33k
- LocationFirst Bancorp (North Carolina)300 Sw Broad StreetSOUTHERN PINES 28387United StatesUSA
- Phone+1 (910) 246-2500
- Websitehttps://localfirstbank.com
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Columbia Financial Inc | 470.95m | 51.77m | 1.91bn | 708.00 | 36.20 | 1.65 | 43.44 | 7.40 | 0.5085 | 0.5085 | 2.54 | 11.16 | -- | -- | -- | -- | 0.4817 | 0.5022 | -- | -- | -- | -- | 20.01 | 20.50 | -- | -- | -- | -- | 4.33 | 9.75 | 544.23 | -2.11 | -- | -- |
| Merchants Bancorp | 1.20bn | 173.55m | 1.98bn | 735.00 | 11.39 | 1.14 | 11.26 | 2.90 | 3.78 | 3.78 | 14.84 | 49.70 | -- | -- | -- | -- | 1.14 | 1.71 | -- | -- | -- | -- | 32.10 | 45.27 | -- | -- | -- | 6.43 | -7.82 | 33.54 | -38.82 | 0.8865 | 57.78 | 13.40 |
| Banner Corp | 804.96m | 195.38m | 2.07bn | 1.93k | 10.74 | 1.06 | 9.68 | 3.13 | 5.64 | 5.64 | 19.07 | 57.08 | -- | -- | -- | -- | 1.20 | 1.18 | -- | -- | -- | -- | 29.57 | 30.35 | -- | -- | -- | 33.87 | 5.07 | 9.17 | 15.68 | 11.00 | -5.77 | 3.63 |
| First Busey Corp | 893.86m | 125.39m | 2.22bn | 1.88k | 20.09 | 0.9156 | 14.30 | 3.09 | 1.28 | 1.28 | 8.48 | 28.18 | -- | -- | -- | -- | 0.8972 | 0.9762 | -- | -- | -- | -- | 18.80 | 25.16 | -- | -- | -- | 47.27 | 70.69 | 22.31 | 10.29 | 4.56 | 36.12 | 2.56 |
| NBT Bancorp Inc | 710.99m | 169.24m | 2.23bn | 2.30k | 12.88 | 1.17 | 11.47 | 3.20 | 3.31 | 3.31 | 13.72 | 36.32 | -- | -- | -- | -- | 1.14 | 1.14 | -- | -- | -- | -- | 24.28 | 26.35 | -- | -- | -- | 39.19 | 16.24 | 15.34 | 20.33 | 10.15 | 14.85 | 5.63 |
| Hilltop Holdings Inc. | 784.05m | 165.59m | 2.26bn | 3.50k | 14.37 | 1.04 | 11.81 | 1.76 | 2.64 | 2.64 | 20.44 | 36.42 | -- | -- | -- | -- | 1.07 | 1.09 | -- | -- | -- | -- | 13.42 | 13.53 | -- | -- | -- | 24.34 | -6.26 | 7.49 | 46.27 | -16.56 | -14.91 | 13.67 |
| Bancorp Inc | 551.37m | 228.21m | 2.31bn | 733.00 | 11.11 | 3.36 | 9.90 | 3.28 | 4.92 | 4.92 | 15.16 | 16.29 | -- | -- | -- | -- | 2.52 | 2.25 | -- | -- | -- | -- | 32.42 | 37.02 | -- | -- | -- | 0.00 | -0.0404 | 21.21 | 4.91 | 23.14 | 13.66 | -- |
| Customers Bancorp Inc | 1.36bn | 209.18m | 2.38bn | 863.00 | 11.23 | 1.13 | 9.32 | 2.91 | 6.20 | 6.20 | 24.47 | 61.87 | -- | -- | -- | -- | 0.9494 | 1.17 | -- | -- | -- | -- | 27.38 | 33.37 | -- | -- | -- | 0.00 | 2.39 | 20.14 | 25.69 | 10.15 | 41.10 | -- |
| WaFd Inc | 1.32bn | 228.37m | 2.39bn | 2.04k | 10.88 | 0.8806 | 17.91 | 3.20 | 2.89 | 2.89 | 9.42 | 39.63 | -- | -- | -- | -- | 0.8841 | 0.9705 | -- | -- | -- | -- | 32.59 | 32.30 | -- | -- | -- | 33.83 | -2.35 | 16.61 | 14.04 | 4.04 | -2.11 | 4.23 |
| First Bancorp (North Carolina) | 557.24m | 110.42m | 2.41bn | 1.33k | 21.78 | 1.45 | 19.31 | 6.17 | 2.66 | 2.66 | 9.42 | 39.89 | -- | -- | -- | -- | 0.895 | 0.9643 | -- | -- | -- | -- | 28.45 | 28.75 | -- | -- | -- | 31.21 | 7.32 | 18.58 | 45.64 | 6.37 | -19.25 | 4.80 |
| First Merchants Corp | 924.79m | 224.13m | 2.48bn | 2.09k | 10.07 | 0.9123 | 9.78 | 3.74 | 3.88 | 3.88 | 11.48 | 43.31 | -- | -- | -- | -- | 1.21 | 1.24 | -- | -- | -- | -- | 34.09 | 34.70 | -- | -- | -- | 35.32 | -2.45 | 15.57 | 12.33 | 8.74 | -- | 6.58 |
| CVB Financial Corp | 593.30m | 207.92m | 2.66bn | 1.08k | 12.83 | 1.16 | 11.86 | 5.16 | 1.53 | 1.53 | 3.75 | 16.93 | -- | -- | -- | -- | 1.36 | 1.37 | -- | -- | -- | -- | 40.60 | 41.80 | -- | -- | -- | 50.32 | -5.84 | 6.63 | 4.34 | 3.32 | -2.74 | 2.13 |
| Banc of California Inc | 1.68bn | 189.19m | 2.71bn | 1.90k | 15.43 | 0.9207 | 10.16 | 2.42 | 1.17 | 1.17 | 6.91 | 22.78 | -- | -- | -- | -- | 0.6701 | -1.21 | -- | -- | -- | -- | 20.45 | -44.94 | -- | -- | -- | -- | -7.51 | 41.98 | 117.20 | -- | 32.54 | 10.76 |
| FB Financial Corp | 833.93m | 122.62m | 2.80bn | 1.59k | 22.49 | 1.44 | 20.00 | 5.00 | 2.41 | 2.41 | 11.18 | 37.64 | -- | -- | -- | -- | 0.8326 | 1.04 | -- | -- | -- | -- | 21.90 | 25.96 | -- | -- | -- | 21.48 | 14.94 | 21.52 | 5.68 | 14.02 | 8.32 | 16.12 |
| Simmons First National Corp | 1.24bn | -397.55m | 2.93bn | 2.92k | -- | 0.8552 | -- | 28.35 | -2.78 | -2.78 | 0.7678 | 23.62 | -- | -- | -- | -- | -1.55 | 0.3525 | -- | -- | -- | -- | -385.10 | 13.64 | -- | -- | -- | 108.01 | -5.20 | 10.36 | -360.36 | -- | 23.51 | 4.87 |
| First Financial Bancorp | 1.00bn | 255.61m | 2.93bn | 2.20k | 10.54 | 0.9969 | 10.20 | 3.26 | 2.66 | 2.66 | 9.35 | 28.11 | -- | -- | -- | -- | 1.29 | 1.32 | -- | -- | -- | -- | 28.42 | 29.76 | -- | -- | -- | 38.42 | -0.0191 | 13.80 | 11.70 | 10.41 | 4.74 | 1.27 |
Data as of Mar 04 2026. Currency figures normalised to First Bancorp (North Carolina)'s reporting currency: US Dollar USD
48.84%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2025 | 5.43m | 13.09% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 2.53m | 6.10% |
| Fidelity Management & Research Co. LLCas of 31 Dec 2025 | 2.35m | 5.66% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 2.01m | 4.85% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 1.77m | 4.26% |
| Franklin Mutual Advisers LLCas of 31 Dec 2025 | 1.71m | 4.13% |
| Westwood Management Corp. (Texas)as of 31 Dec 2025 | 1.39m | 3.35% |
| Nomura Investment Management Business Trustas of 31 Dec 2025 | 1.07m | 2.58% |
| Geode Capital Management LLCas of 31 Dec 2025 | 1.01m | 2.43% |
| Threadneedle Asset Management Ltd.as of 31 Dec 2025 | 989.81k | 2.39% |
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Data from 31 Dec 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
