Want to see FCBM full AI Analyst Report?
FCBM Stock Chart & Stats
$12.51
$0.03(0.24%)
―
--
Day’s Range― - ―
52-Week Range$12.17 - $13.40
Previous CloseN/A
VolumeN/A
Average Volume (3M)N/A
Market Cap
$378.37M
Enterprise Value$328.79
Total Cash (Recent Filing)$190.32M
Total Debt (Recent Filing)$63.46M
Price to Earnings (P/E)34.8
Beta-0.44
Next EarningsN/A
EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)N/A
Shares Outstanding30,245,752
10 Day Avg. VolumeN/A
30 Day Avg. VolumeN/A
Financial Highlights & Ratios
PEG Ratio-0.75
Price to Book (P/B)1.10
Price to Sales (P/S)1.80
P/FCF Ratio11.90
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$14.50Price Target Upside― Downside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue Step‑changeA large, sustained top‑line step change increases scale and improves strategic optionality: it supports diversification of revenue mix, funds continued investment in lending and technology, and creates a base from which efficiency improvements can restore durable profitability over several quarters.
Improving Leverage ProfileA more moderate leverage ratio and rising equity provide longer‑term financial flexibility: lower funding risk and greater capacity to absorb shocks, enabling continued lending, strategic acquisitions or capital returns without immediate stress on liquidity or regulatory capital buffers.
Fresh Public Capital & Governance StepsThe IPO and governance modernization are structural: new equity capital strengthens the balance sheet, enhances access to public markets for follow‑on funding, and institutionalizes governance practices that support scaled operations and strategic execution over the medium term.
Bears Say
Profitability CompressionA material decline in margins and ROE signals weakened earnings power relative to capital. Sustained low profitability reduces retained earnings growth, limits reinvestment capacity, and makes it harder to earn a durable return on equity without meaningful operational or pricing fixes.
Inconsistent Cash GenerationVolatile cash conversion undermines predictability of funds for lending, capital expenditures and potential distributions. Irregular free cash flow complicates multi‑period planning and increases reliance on external financing in weaker years, raising structural funding risk.
Weak Returns On CapitalDeclining ROE over multiple years indicates the business is generating poor returns on its equity base. Persistently low returns can constrain shareholder value creation, limit management’s ability to justify capital raises, and pressure long‑term investor support.
First Carolina Financial Services News
FCBM FAQ
What was First Carolina Financial Services, Inc.’s price range in the past 12 months?
First Carolina Financial Services, Inc. lowest stock price was $12.17 and its highest was $13.40 in the past 12 months.
What is First Carolina Financial Services, Inc.’s market cap?
First Carolina Financial Services, Inc.’s market cap is $378.37M.
When is First Carolina Financial Services, Inc.’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were First Carolina Financial Services, Inc.’s earnings last quarter?
Currently, no data Available
Is First Carolina Financial Services, Inc. overvalued?
According to Wall Street analysts First Carolina Financial Services, Inc.’s price is currently Undervalued.
Does First Carolina Financial Services, Inc. pay dividends?
First Carolina Financial Services, Inc. does not currently pay dividends.
What is First Carolina Financial Services, Inc.’s EPS estimate?
First Carolina Financial Services, Inc.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does First Carolina Financial Services, Inc. have?
First Carolina Financial Services, Inc. has 30,245,752 shares outstanding.
What happened to First Carolina Financial Services, Inc.’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of First Carolina Financial Services, Inc.?
Currently, no hedge funds are holding shares in FCBM
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Carolina Financial Services Stock Smart Score
Company Description
First Carolina Financial Services, Inc.
First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses. The company offers business services including checking, savings, and money market deposit accounts, certificates of deposit, individual retirement accounts, and CARS; commercial financing, real estate loans, and consumer loans; credit and debit cards; IntraFi Cash, remote deposit capture, treasury management, merchant services, and wealth management services; higher education solutions, 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; retail banking; and trust and fiduciary services. The company offers personal services that include deposit solutions such as checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and IRAs; services such as ICS and CARS for deposit management; borrowing options including consumer loans and credit cards; online banking and bill pay services; and debit cards. The company was incorporated in 2009 and is headquartered in Raleigh, North Carolina with additional offices in Atlanta, Georgia; Cary, North Carolina; Columbia and Greenville, South Carolina; Raleigh, Reidsville, and Wilmington, North Carolina; and Virginia Beach, Virginia.
FCBM Stock 12 Month Forecast
Average Price Target
$14.50
Fiserv
―
Grayscale Bitcoin
―
Isabella Bank
―
Bitwise 10 Crypto Index Fund Units of Benef Interest
―
PayPay Corporation
―
Ownership Overview
13.47% Insiders
0.85% Other Institutional Investors
85.64% Public Companies and
Individual Investors



