FBNCFIRST BANCORP /NC/
State Commercial Banks
- Revenue
- $68M
- 3.6% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$372M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear183% of net incomeCash flow under 80% of net income
- Dilutive SBCClear6% of revenueOver 10% of revenue
- Payouts exceed cash flowClear19% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear4% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $25M | $17M | $33M | $70M | $68M | 3.6% |
| Net income | $96M | $147M | $104M | $76M | $111M | 46% |
| Operating cash flow | $142M | $231M | $131M | $175M | $203M | 16% |
| Capex | $9M | $5M | $4M | $3M | $4M | 60% |
| Stock-based comp | $2M | $3M | $5M | $5M | $4M | 24% |
| Buybacks | $4M | $0 | $0 | $0 | $991K | |
| Dividends | $22M | $31M | $35M | $36M | $37M | 2.9% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $15K · 1
- Open-market sells, 12 mo
- $1M · 2
- Net
- −$1M
Pay vs performance
No pay-versus-performance disclosure yet.