FBNC PE Ratio & Valuation,Is FBNC Overvalued

FBNC Relative Valuation

FBNC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FBNC is overvalued; if below, it's undervalued.

Historical Valuation

First Bancorp (North Carolina) (FBNC) is now in the Fair zone, suggesting that its current forward PE ratio of 12.54 is considered Fairly compared with the five-year average of 11.99. The fair price of First Bancorp (North Carolina) (FBNC) is between 46.55 to 58.71 according to relative valuation methord.

Relative Value

Fair Zone

46.55-58.71

Current Price：53.69

Fair

12.57

0.00

EV/EBITDA

First Bancorp (North Carolina). (FBNC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

First Bancorp (North Carolina). (FBNC) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

4.42

First Bancorp (North Carolina). (FBNC) has a current PS of 4.42. The 5-year average PS is 3.69. The thresholds are as follows: Strongly Undervalued below 2.67, Undervalued between 2.67 and 3.18, Fairly Valued between 4.19 and 3.18, Overvalued between 4.19 and 4.70, and Strongly Overvalued above 4.70. The current Forward PS of 4.42 falls within the Overvalued range.

0.00

P/OCF

First Bancorp (North Carolina). (FBNC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

First Bancorp (North Carolina). (FBNC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

First Bancorp (North Carolina) (FBNC) has a current Price-to-Book (P/B) ratio of 1.38. Compared to its 3-year average P/B ratio of 1.15 , the current P/B ratio is approximately 19.88% higher. Relative to its 5-year average P/B ratio of 1.22, the current P/B ratio is about 12.82% higher. First Bancorp (North Carolina) (FBNC) has a Forward Free Cash Flow (FCF) yield of approximately 9.63%. Compared to its 3-year average FCF yield of 9.81%, the current FCF yield is approximately -1.85% lower. Relative to its 5-year average FCF yield of 9.58% , the current FCF yield is about 0.51% lower.

1.38

P/B

Median3y

1.15

Median5y

1.22

9.63

FCF Yield

Median3y

9.81

Median5y

9.58

Competitors Valuation Multiple

The average P/S ratio for FBNC's competitors is , providing a benchmark for relative valuation. First Bancorp (North Carolina) Corp (FBNC) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of -8.47%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of FBNC increased by 21.61% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 19.47 to 23.19.

The secondary factor is the P/E Change, contributed 10.97%to the performance.

Overall, the performance of FBNC in the past 1 year is driven by Margin Expansion. Which is more sustainable.

-8.47%

95.92M → 87.79M

Revenue Growth

19.11%

19.47 → 23.19

Margin Expansion

10.97%

20.19 → 22.40

P/E Change

21.61%

43.97 → 53.47

Mkt Cap Growth

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Frequently Asked Questions

Is First Bancorp (North Carolina) (FBNC) currently overvalued or undervalued?

What is First Bancorp (North Carolina) (FBNC) fair value?

FBNC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of First Bancorp (North Carolina) (FBNC) is between 46.55 to 58.71 according to relative valuation methord.

How does FBNC's valuation metrics compare to the industry average?

What is the current P/B ratio for First Bancorp (North Carolina) (FBNC) as of Dec 16 2025?

As of Dec 16 2025, First Bancorp (North Carolina) (FBNC) has a P/B ratio of 1.38. This indicates that the market values FBNC at 1.38 times its book value.

What is the current FCF Yield for First Bancorp (North Carolina) (FBNC) as of Dec 16 2025?

As of Dec 16 2025, First Bancorp (North Carolina) (FBNC) has a FCF Yield of 9.63%. This means that for every dollar of First Bancorp (North Carolina)’s market capitalization, the company generates 9.63 cents in free cash flow.

What is the current Forward P/E ratio for First Bancorp (North Carolina) (FBNC) as of Dec 16 2025?

As of Dec 16 2025, First Bancorp (North Carolina) (FBNC) has a Forward P/E ratio of 12.54. This means the market is willing to pay $12.54 for every dollar of First Bancorp (North Carolina)’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for First Bancorp (North Carolina) (FBNC) as of Dec 16 2025?

As of Dec 16 2025, First Bancorp (North Carolina) (FBNC) has a Forward P/S ratio of 4.42. This means the market is valuing FBNC at $4.42 for every dollar of expected revenue over the next 12 months.

FBNC Valuation

FBNC Valuation

FBNC Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is First Bancorp (North Carolina) (FBNC) currently overvalued or undervalued?

What is First Bancorp (North Carolina) (FBNC) fair value?

How does FBNC's valuation metrics compare to the industry average?

What is the current P/B ratio for First Bancorp (North Carolina) (FBNC) as of Dec 16 2025?

What is the current FCF Yield for First Bancorp (North Carolina) (FBNC) as of Dec 16 2025?

What is the current Forward P/E ratio for First Bancorp (North Carolina) (FBNC) as of Dec 16 2025?

What is the current Forward P/S ratio for First Bancorp (North Carolina) (FBNC) as of Dec 16 2025?