Is First Carolina Financial Services, Inc. (FCBM) Overvalued?
We dive into why First Carolina Financial Services, Inc. (FCBM) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Tudor Pop
Stock Evaluator: First Carolina Financial Services, Inc. (FCBM)
First Carolina Financial Services, Inc. FCBM
$12.71
-0.09
-0.70%
October 13, 2026 4:00:02 PM
EST
Volume: 100,394
After Hours: $120.37
0.15
|
0.12%
November 10, 2021 7:59 PM
EST
Volume: 72,713
USD
NYSE | DELAYED PRICE
| SECTOR | INDUSTRY |
| Financials | Banks |
A+ Stock Grade Summary:
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COMPANY SUMMARY
First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services in the United States. It operates through two segments, Community Banking and BM Tech business line. The company offers business services including checking, savings, money market deposit accounts, certificates of deposit, individual retirement accounts, and large deposit insurance; commercial financing and real estate loans and consumer loans; credit and debit cards; online banking and bill pay services; remote deposit capture, treasury management, merchant services, and wealth management services; attorney advantage accounts and interest on lawyer trust accounts; payments services; consumer banking; real estate banking; commercial and industrial banking; higher education disbursements; BankMobile platform; and retail banking services. It serves small and medium-sized businesses, individuals, professionals, and institutions. The company was incorporated in 2009 and is headquartered in Raleigh, North Carolina.
Commentary & Analysis
What You Need to Know About First Carolina Financial Services, Inc.'s Q3 Earnings
First Carolina Financial Services, Inc.'s fiscal Q3 earnings report was released on Thursday, July 30. Let's dive in to see if (FCBM) missed or beat analyst's expectations.Jenna Brashear
Is First Carolina Financial Services, Inc. (FCBM) Stock a Good Investment?
Learn more about First Carolina Financial Services, Inc.'s (FCBM) stock grades for Value and determine whether this Banks stock meets your investment needs.Rosalio Madrigal
Financial Summary
| Share Statistics | FCBM | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $397.7 | $682.9 | 35% |
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| Shares Out (Mil) | 25.2 | 15.5 | 34% |
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| Institutional Ownership | 64.4% | 84.1% | 40% |
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| Float (Mil) | 25.0 | 21.6 | 32% |
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| Beta | na | 0.45 | na |
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| Avg Daily Volume (000s) | 124 | 46 | 38% |
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| Price Change (52-week) |
na | 90.8% | na |
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| Growth | FCBM | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | na | 7.7% | na |
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| Net Income (5yr) | na | 11.1% | na |
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| EPS (5yr) | na | 10.0% | na |
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| Dividends (5yr) | na | 3.6% | 0% |
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| Cash Flow (5yr) | na | (17.1%) | na |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $0.223 | $0.917 | $1.367 | |
| Month Ago EPS | $0.223 | $0.917 | $1.310 | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | $0.240 | $0.920 | $1.275 | |
| Year/Year Chg | 11.5% | 85.3% | 253.5% | |
| Financials | FCBM | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $129 | $187 | 28% |
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| Net Income (TTM) (Mil) | $14 | $53 | 47% |
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| EPS (TTM) | $0.566 | $2.600 | 55% |
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| Operating Cash Flow (TTM) (Mil) | $29 | $33 | 43% |
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| Net Cash Flow (TTM) (Mil) | ($31) | $2 | 23% |
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| Long-Term Debt (Q1) (Mil) | $69 | $94 | 41% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FCBM | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.93 | 1.24 | 22% |
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| P/E | 22.7 | 12.1 | 60% |
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| Dividend Yield | 0.0% | 2.2% | 0% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | FCBM | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 10.8% | 29.1% | 64% |
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| ROA | 0.8% | 1.1% | 44% |
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| ROE | 6.5% | 11.3% | 47% |
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| Liabilities to Assets | 87.4% | 89.7% | 81% |
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| F-Score | 3 | 4 | na |
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First Carolina Financial Services, Inc. did not pass any screens on 10/12/2026.
