First Bancorp vs Enterprise Financial

This page compares First Bancorp and Enterprise Financial Services Corp, outlining their business models, financial performance, and market context. It presents related factors in a neutral, accessible manner to support informed understanding. Educational content, not financial advice.

This page compares First Bancorp and Enterprise Financial Services Corp, outlining their business models, financial performance, and market context. It presents related factors in a neutral, accessibl...

About The Companies

First Bancorp (FBNC)

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.

Enterprise Financial (EFSC)

Enterprise Financial Services Corp (EFSC) is a regional banking group offering commercial and consumer lending, deposit-taking and related financial services through community-focused operations. With a market capitalisation around $2.0 billion, EFSC typically competes on local customer relationships, loan underwriting and fee-based services. Investors often watch net interest margin, loan growth, credit quality and expense control as the key drivers of profitability. Like other banks, performance is sensitive to the interest-rate environment and the credit cycle; higher rates can widen margins but also raise funding costs and borrower stress. Smaller regional banks may offer income potential and growth if they manage credit and capital well, but they carry concentration, regulatory and liquidity risks. This summary is educational, not personal financial advice. Investors should review the company’s filings, dividend policy and recent results, and consider their own risk tolerance and suitability before investing.

Comparison Snapshot

Key Financial Metrics

FBNC

Metric

EFSC

$2.21B

Market Cap

$2.12B

10.08%

Potential Profit

12.80%

Buy

Analyst Rating

Buy

Which Baskets Do They Appear In?

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

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Which Baskets Do They Appear In?

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 Basket

Investment Analysis

First Bancorp

FBNC

Pros

First Bancorp reported solid earnings growth with diluted EPS increasing to $0.93 in Q2 2025, reflecting improving profitability.
The company benefits from a strong balance sheet growth and a notably higher net interest margin, boosting financial performance.
Analysts generally have a positive outlook with an average price target around $56.67, suggesting moderate upside potential.

Considerations

First Bancorp experienced revenue and earnings declines in 2024, with a 13.6% drop in revenue and a 26.7% decrease in earnings.
The current PE ratio is relatively high at 23.3, above its three- to ten-year historical averages, implying a potentially rich valuation.
The company’s performance remains sensitive to economic cycles and interest rate fluctuations, contributing to execution and market risks.

Enterprise Financial

EFSC

Pros

Enterprise Financial Services displays healthy profitability metrics with an 11.8% return on equity and 1.33% return on assets.
The company offers diversified financial and wealth management services supporting stable income streams and growth opportunities.
Enterprise Financial maintains a market cap around $2.22 billion, placing it in a solid mid-cap position with ample scale.

Considerations

The bank faces competitive pressure from larger regional banks which may limit its market share and growth potential.
Enterprise Financial’s normalized return on assets is moderate, indicating room for efficiency improvements compared to peers.
Market volatility and regulatory changes in the financial sector could pose challenges for consistent earnings growth.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Investment Analysis

First Bancorp

Pros

Considerations

Enterprise Financial

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

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Comparison Snapshot

First Bancorp vs Enterprise Financial

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Investment Analysis

First Bancorp

Pros

Considerations

Enterprise Financial

Pros

Considerations

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Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

What is the purpose of a stock vs stock comparison page like this?

How should I read the pros and cons for each stock?

What does the market context refer to in this comparison?

How should I interpret earnings growth and margins shown here?

What does a high price-to-earnings (PE) ratio imply in this context?

Why is diversification of services and income relevant for Enterprise Financial Services Corp?

How can market cap inform my understanding of a bank stock like these?

What should I look for when comparing earnings quality between these two stocks?

What is the educational disclaimer for readers of this page?

About The Companies

Comparison Snapshot