First Bancorp
First Bancorp (FBNC) is a US regional bank holding company with a market capitalisation of about $2.02 billion. It provides core banking services — including deposit-taking, commercial and consumer lending, mortgage services and basic wealth management — primarily to local communities in the regions it serves. For investors, key features to note are its sensitivity to the interest-rate cycle, loan book quality and local economic conditions, which can materially affect earnings and credit losses. The company has grown through organic lending and selective acquisitions, which can offer scale but also integration and regulatory risks. As a bank, it faces standard sector considerations: capital and liquidity regulation, competition from larger banks and fintechs, and cyclical demand for credit. This summary is educational and not personalised advice: values can fall as well as rise, and past performance is no guarantee of future returns. Consider your goals and risk tolerance before making investment decisions.
Stock Performance Snapshot
Analyst Rating
Analysts suggest buying First Bancorp's stock, indicating it may rise to $46 soon.
Financial Health
First Bancorp is performing well, showing strong revenue and cash flow, indicating good financial stability.
Dividend
First Bancorp's dividend yield of 2.18% is reasonable for investors seeking income. If you invested $1000 you would be paid $21.80 a year in dividends (based on the last 12 months).
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Baskets Featuring FBNC
Riding The Southeast Consolidation Wave
The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.
Published: July 26, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Interest-rate sensitivity
Net interest margins move with rates, so earnings can expand or compress as policy shifts — though outcomes depend on balance-sheet mix and hedges.
Community banking focus
Local lending and deposit relationships can support stable business, but performance is tied to regional economic health and credit cycles.
Growth via acquisitions
Selective deals can boost scale and revenue, yet integration and credit-quality risks mean investors should watch execution closely.
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