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First Bancorp (FBNC)
NASDAQ:FBNC
US Market
FBNC
First Bancorp
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First Bancorp (FBNC) Ratios

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First Bancorp Ratios

FBNC's free cash flow for Q4 2025 was $0.69. For the 2025 fiscal year, FBNC's free cash flow was decreased by $ and operating cash flow was $0.18. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.24 0.23 0.25 0.28
Quick Ratio
 0.00 0.24 0.23 0.25 0.28
Cash Ratio
 0.00 0.02 0.05 0.02 0.03
Solvency Ratio
 0.01 0.01 <0.01 0.01 0.02
Operating Cash Flow Ratio
 0.00 0.02 0.02 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -9.11B$ -8.78B$ -8.26B$ -8.28B$ -6.98B
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 <0.01 0.03 0.02
Debt-to-Equity Ratio
 0.04 0.05 0.01 0.23 0.23
Debt-to-Capital Ratio
 0.04 0.04 <0.01 0.19 0.19
Long-Term Debt-to-Capital Ratio
 0.04 0.04 <0.01 0.18 0.17
Financial Leverage Ratio
 7.69 7.66 8.40 8.83 10.30
Debt Service Coverage Ratio
 0.86 0.79 0.50 0.87 10.08
Interest Coverage Ratio
 1.01 0.91 0.52 0.93 11.50
Debt to Market Cap
 0.03 0.04 <0.01 0.20 0.14
Interest Debt Per Share
 5.54 5.65 4.91 11.38 7.16
Net Debt to EBITDA
 -0.37 -0.47 -4.25 0.55 -0.16
Profitability Margins
Gross Profit Margin
71.28%70.11%61.68%70.45%93.01%
EBIT Margin
28.12%26.56%18.48%24.39%45.43%
EBITDA Margin
29.28%28.47%21.85%27.94%49.19%
Operating Profit Margin
28.12%26.56%18.48%24.39%45.43%
Pretax Profit Margin
27.27%25.68%18.48%24.39%45.43%
Net Profit Margin
21.81%20.45%14.36%19.24%36.04%
Continuous Operations Profit Margin
21.81%20.45%14.36%19.24%36.04%
Net Income Per EBT
79.95%79.60%77.68%78.91%79.33%
EBT Per EBIT
96.98%96.72%100.00%100.00%100.00%
Return on Assets (ROA)
0.94%0.88%0.63%0.86%1.38%
Return on Equity (ROE)
7.47%6.71%5.27%7.59%14.24%
Return on Capital Employed (ROCE)
1.21%4.44%6.08%6.35%13.28%
Return on Invested Capital (ROIC)
4.49%-1.75%4.73%5.01%10.53%
Return on Tangible Assets
0.97%0.91%0.65%0.90%1.43%
Earnings Yield
5.03%5.29%4.23%6.87%9.67%
Efficiency Ratios
Receivables Turnover
 14.92 13.85 14.61 14.49 13.72
Payables Turnover
 0.00 0.00 44.18 28.06 10.41
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.99 3.90 3.70 3.58 2.67
Asset Turnover
 0.04 0.04 0.04 0.04 0.04
Working Capital Turnover Ratio
 -0.22 -0.07 -0.07 -0.08 -0.06
Cash Conversion Cycle
 24.47 26.35 16.72 12.19 -8.46
Days of Sales Outstanding
 24.47 26.35 24.98 25.19 26.60
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 8.26 13.01 35.06
Operating Cycle
 24.47 26.35 24.98 25.19 26.60
Cash Flow Ratios
Operating Cash Flow Per Share
 4.91 4.91 4.26 3.22 6.50
Free Cash Flow Per Share
 4.81 4.81 4.20 3.12 6.35
CapEx Per Share
 0.10 0.10 0.06 0.11 0.15
Free Cash Flow to Operating Cash Flow
 0.98 0.98 0.98 0.97 0.98
Dividend Paid and CapEx Coverage Ratio
 4.89 4.89 4.49 3.34 6.42
Capital Expenditure Coverage Ratio
 47.85 47.85 65.78 29.72 43.63
Operating Cash Flow Coverage Ratio
 2.72 2.72 12.01 0.41 0.97
Operating Cash Flow to Sales Ratio
 0.37 0.37 0.33 0.24 0.57
Free Cash Flow Yield
8.23%9.47%9.54%8.38%14.82%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 19.88 18.91 23.67 14.55 10.35
Price-to-Sales (P/S) Ratio
 4.34 3.87 3.40 2.80 3.73
Price-to-Book (P/B) Ratio
 1.43 1.27 1.25 1.10 1.47
Price-to-Free Cash Flow (P/FCF) Ratio
 12.15 10.56 10.48 11.93 6.75
Price-to-Operating Cash Flow Ratio
 11.87 10.34 10.32 11.53 6.59
Price-to-Earnings Growth (PEG) Ratio
 0.52 0.42 -0.87 -0.38 0.19
Price-to-Fair Value
 1.43 1.27 1.25 1.10 1.47
Enterprise Value Multiple
 14.47 13.11 11.30 10.58 7.42
Enterprise Value
 2.36B 2.03B 1.31B 1.60B 1.49B
EV to EBITDA
 14.47 13.11 11.30 10.58 7.42
EV to Sales
 4.24 3.73 2.47 2.96 3.65
EV to Free Cash Flow
 11.85 10.20 7.62 12.59 6.60
EV to Operating Cash Flow
 11.60 9.98 7.50 12.17 6.45
Tangible Book Value Per Share
 28.74 28.01 23.01 21.21 18.45
Shareholders’ Equity Per Share
 40.70 40.00 35.24 33.68 29.07
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.22 0.21 0.21
Revenue Per Share
 13.45 13.13 12.94 13.28 11.49
Net Income Per Share
 2.93 2.69 1.86 2.56 4.14
Tax Burden
 0.80 0.80 0.78 0.79 0.79
Interest Burden
 0.97 0.97 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.29 0.29 0.29 0.28 0.30
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.83 1.83 2.29 1.26 1.57
Currency in USD