FCBM
First Carolina Financial Services, Inc.
Price Chart
Latest Quote
$12.60
+0.10 (+0.80%)
Current Price
| Previous Close | $12.50 |
| Open | $13.25 |
| Day High | $13.25 |
| Day Low | $12.60 |
| Volume | 657,104 |
Stock Information
| Shares Outstanding | 30.25M |
| Total Debt | $70.56M |
| Cash Equivalents | $190.32M |
| Revenue | $133.76M |
| Net Income | $13.41M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $381.10M |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Sales | $133.76M |
| Income | $13.41M |
| Book/sh | $28.71 |
| Cash/sh | $6.29 |
| Employees | 263 |
Financial Ratios
| EPS Growth TTM | 25.60% |
Returns & Margins
| Operating Margin | 31.03% |
| Profit Margin | 10.02% |
Ownership
| Insider & Institutional transactions data not available |
Valuation Ratios
| P/S | 2.85 |
| P/B | 0.44 |
Analyst Data
| Recommendation | none |
Technical Indicators
| Shares Float | 10.01M |
Performance History
| YTD | +0.00% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $12.60 | 657,200 |
About 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.
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Revenue | |||
| Total Revenue | $137,761,000 | $71,535,000 | $63,057,000 |
| Operating Revenue | $137,761,000 | $71,535,000 | $63,057,000 |
| Expenses | |||
| Interest Expense | $92,914,000 | $84,770,000 | $69,689,000 |
| Rent Expense Supplemental | $15,554,000 | $4,382,000 | $3,753,000 |
| Selling And Marketing Expense | $481,000 | $480,000 | $377,000 |
| General And Administrative Expense | $76,855,000 | $38,242,000 | $29,980,000 |
| Professional Expense And Contract Services Expense | $11,989,000 | $3,330,000 | $2,594,000 |
| Other Non Interest Expense | $21,803,000 | $4,810,000 | $4,109,000 |
| Income & Earnings | |||
| Net Income From Continuing Operation Net Minority Interest | $12,201,000 | $20,912,000 | $19,628,000 |
| Net Interest Income | $96,520,000 | $91,316,000 | $65,878,000 |
| Interest Income | $189,434,000 | $176,086,000 | $135,567,000 |
| Normalized Income | $12,201,000 | $20,912,000 | $19,628,000 |
| Net Income From Continuing And Discontinued Operation | $12,201,000 | $20,912,000 | $19,628,000 |
| Net Income Common Stockholders | $12,201,000 | $20,912,000 | $19,628,000 |
| Net Income | $12,201,000 | $20,912,000 | $19,628,000 |
| Net Income Including Noncontrolling Interests | $12,201,000 | $20,912,000 | $19,628,000 |
| Net Income Continuous Operations | $12,201,000 | $20,912,000 | $19,628,000 |
| Pretax Income | $15,554,000 | $26,439,000 | $24,697,000 |
| Depreciation Amortization Depletion Income Statement | $2,538,000 | $0 | - |
| Depreciation And Amortization In Income Statement | $2,538,000 | $0 | - |
| Amortization Of Intangibles Income Statement | $2,538,000 | $0 | - |
| Per Share | |||
| Diluted EPS | $0.40 | $0.69 | $0.65 |
| Basic EPS | $0.40 | $0.69 | $0.65 |
| Other | |||
| Tax Effect Of Unusual Items | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 |
| Reconciled Depreciation | $7,463,000 | $1,637,000 | $1,291,000 |
| Diluted Average Shares | $30,245,752 | $30,245,752 | $30,245,752 |
| Basic Average Shares | $30,245,752 | $30,245,752 | $30,245,752 |
| Diluted NI Availto Com Stockholders | $12,201,000 | $20,912,000 | $19,628,000 |
| Tax Provision | $3,353,000 | $5,527,000 | $5,069,000 |
| Gain On Sale Of Security | $1,719,000 | $0 | $110,000 |
| Amortization | $2,538,000 | $0 | - |
| Selling General And Administration | $77,336,000 | $38,722,000 | $30,357,000 |
| Insurance And Claims | $4,981,000 | $3,387,000 | $2,804,000 |
| Rent And Landing Fees | $15,554,000 | $4,382,000 | $3,753,000 |
| Salaries And Wages | $56,320,000 | $30,473,000 | $23,423,000 |
| Minority Interests | - | $0 | $0 |
Fetched: 2026-06-19
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $268,178,000 | $335,525,000 | $266,581,000 |
| Total Assets | $3,317,508,000 | $3,039,338,000 | $2,725,375,000 |
| Goodwill And Other Intangible Assets | $78,747,000 | $1,792,000 | $1,792,000 |
| Other Intangible Assets | $32,481,000 | - | - |
| Prepaid Assets | $3,906,000 | $2,037,000 | $2,110,000 |
| Receivables | $21,826,000 | $29,569,000 | $64,727,000 |
| Other Receivables | $11,206,000 | $19,518,000 | $55,763,000 |
| Accounts Receivable | $10,620,000 | $10,051,000 | $8,964,000 |
| Cash And Cash Equivalents | $134,116,000 | $168,055,000 | $160,970,000 |
| Cash Cash Equivalents And Federal Funds Sold | $134,116,000 | $168,055,000 | $160,970,000 |
| Debt | |||
| Net Debt | $4,320,000 | - | - |
| Total Debt | $138,436,000 | $163,329,000 | $63,223,000 |
| Long Term Debt And Capital Lease Obligation | $63,436,000 | $63,329,000 | $63,223,000 |
| Long Term Debt | $63,436,000 | $63,329,000 | $63,223,000 |
| Current Debt And Capital Lease Obligation | $75,000,000 | $100,000,000 | $0 |
| Current Debt | $75,000,000 | $100,000,000 | $0 |
| Other Current Borrowings | $75,000,000 | $100,000,000 | $0 |
| Liabilities | |||
| Total Liabilities Net Minority Interest | $2,970,583,000 | $2,702,021,000 | $2,457,002,000 |
| Payables And Accrued Expenses | $3,588,000 | $2,785,000 | $447,000 |
| Payables | $3,588,000 | $2,785,000 | $447,000 |
| Accounts Payable | $3,588,000 | $2,785,000 | $447,000 |
| Equity | |||
| Common Stock Equity | $346,925,000 | $337,317,000 | $268,373,000 |
| Total Equity Gross Minority Interest | $346,925,000 | $337,317,000 | $268,373,000 |
| Stockholders Equity | $346,925,000 | $337,317,000 | $268,373,000 |
| Gains Losses Not Affecting Retained Earnings | $-488,000 | $-1,495,000 | $-1,873,000 |
| Other Equity Adjustments | $-488,000 | $-1,495,000 | $-1,873,000 |
| Retained Earnings | $95,249,000 | $84,368,000 | $63,456,000 |
| Other | |||
| Ordinary Shares Number | $30,245,752 | $30,245,752 | $30,245,752 |
| Share Issued | $30,245,752 | $30,245,752 | $30,245,752 |
| Tangible Book Value | $268,178,000 | $335,525,000 | $266,581,000 |
| Invested Capital | $485,361,000 | $500,646,000 | $331,596,000 |
| Total Capitalization | $410,361,000 | $400,646,000 | $331,596,000 |
| Additional Paid In Capital | $239,903,000 | $242,137,000 | $195,967,000 |
| Capital Stock | $12,261,000 | $12,307,000 | $10,823,000 |
| Common Stock | $12,261,000 | $12,307,000 | $10,823,000 |
| Preferred Stock | $0 | $0 | - |
| Long Term Provisions | $3,794,000 | $4,306,000 | $7,622,000 |
| Investments And Advances | $312,090,000 | $168,624,000 | $202,193,000 |
| Held To Maturity Securities | $0 | $51,761,000 | $82,208,000 |
| Available For Sale Securities | $312,090,000 | $116,839,000 | $99,496,000 |
| Goodwill | $46,266,000 | $1,792,000 | $1,792,000 |
| Net PPE | $43,321,000 | $42,796,000 | $40,752,000 |
| Accumulated Depreciation | $-8,369,000 | $-6,547,000 | $-5,171,000 |
| Gross PPE | $51,690,000 | $49,343,000 | $45,923,000 |
| Construction In Progress | $12,000 | $809,000 | $5,614,000 |
| Other Properties | $6,966,000 | $7,445,000 | $8,523,000 |
| Machinery Furniture Equipment | $7,028,000 | $6,268,000 | $4,904,000 |
| Buildings And Improvements | $28,952,000 | $26,089,000 | $18,150,000 |
| Land And Improvements | $8,732,000 | $8,732,000 | $8,732,000 |
| Other Short Term Investments | $0 | $24,000 | $20,489,000 |
| Minority Interest | - | $0 | $0 |
Fetched: 2026-06-19
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Free Cash Flow | |||
| Free Cash Flow | $32,031,000 | $57,184,000 | $-37,761,000 |
| Operating Activities | |||
| Operating Cash Flow | $35,925,000 | $61,943,000 | $-30,693,000 |
| Cash Flow From Continuing Operating Activities | $35,925,000 | $61,943,000 | $-30,693,000 |
| Operating Gains Losses | $-1,719,000 | - | $-110,000 |
| Investing Activities | |||
| Capital Expenditure | $-3,894,000 | $-4,759,000 | $-7,068,000 |
| Investing Cash Flow | $-322,957,000 | $-347,349,000 | $-524,266,000 |
| Cash Flow From Continuing Investing Activities | $-322,957,000 | $-347,349,000 | $-524,266,000 |
| Net Other Investing Changes | $-18,641,000 | $-13,044,000 | $3,480,000 |
| Financing Activities | |||
| Repurchase Of Capital Stock | $-7,040,000 | $0 | $-44,000 |
| Issuance Of Capital Stock | $0 | $44,809,000 | - |
| Financing Cash Flow | $253,093,000 | $292,491,000 | $585,889,000 |
| Cash Flow From Continuing Financing Activities | $253,093,000 | $292,491,000 | $585,889,000 |
| Net Other Financing Charges | $-8,000 | $100,000,000 | $-100,000,000 |
| Net Common Stock Issuance | $-7,040,000 | $44,809,000 | $-44,000 |
| Common Stock Issuance | $0 | $44,809,000 | - |
| Other | |||
| Interest Paid Supplemental Data | $90,184,000 | $84,684,000 | $68,868,000 |
| Income Tax Paid Supplemental Data | $3,242,000 | $3,581,000 | - |
| End Cash Position | $134,116,000 | $168,055,000 | $160,970,000 |
| Beginning Cash Position | $168,055,000 | $160,970,000 | $130,040,000 |
| Changes In Cash | $-33,939,000 | $7,085,000 | $30,930,000 |
| Common Stock Payments | $-7,040,000 | $0 | $-44,000 |
| Net Investment Purchase And Sale | $-146,565,000 | $33,876,000 | $-51,053,000 |
| Sale Of Investment | $348,513,000 | $95,094,000 | $24,762,000 |
| Purchase Of Investment | $-495,078,000 | $-61,218,000 | $-75,815,000 |
| Net Business Purchase And Sale | $-96,721,000 | $0 | - |
| Purchase Of Business | $-96,721,000 | $0 | - |
| Net PPE Purchase And Sale | $-3,894,000 | $-4,759,000 | $-7,068,000 |
| Purchase Of PPE | $-3,894,000 | $-4,759,000 | $-7,068,000 |
| Change In Working Capital | $4,552,000 | $38,065,000 | $-53,613,000 |
| Change In Payables And Accrued Expense | $-1,442,000 | $547,000 | $7,436,000 |
| Change In Accrued Expense | $-2,245,000 | $521,000 | $7,400,000 |
| Change In Payable | $803,000 | $26,000 | $36,000 |
| Change In Account Payable | $803,000 | $26,000 | $36,000 |
| Change In Prepaid Assets | $5,994,000 | $37,518,000 | $-61,049,000 |
| Other Non Cash Items | $-1,702,000 | $-1,102,000 | $-785,000 |
| Stock Based Compensation | $3,448,000 | $2,845,000 | $2,236,000 |
| Amortization Of Securities | $342,000 | $189,000 | - |
| Deferred Tax | $2,799,000 | $1,163,000 | $-640,000 |
| Deferred Income Tax | $2,799,000 | $1,163,000 | $-640,000 |
| Depreciation Amortization Depletion | $7,463,000 | $1,637,000 | $1,291,000 |
| Depreciation And Amortization | $7,463,000 | $1,637,000 | $1,291,000 |
| Amortization Cash Flow | $4,691,000 | $0 | - |
| Amortization Of Intangibles | $4,691,000 | $0 | - |
| Depreciation | $2,772,000 | $1,637,000 | $1,291,000 |
| Gain Loss On Investment Securities | $-1,719,000 | $0 | $-110,000 |
| Net Income From Continuing Operations | $12,201,000 | $20,912,000 | $19,628,000 |
| Issuance Of Debt | - | $50,106,000 | $107,000 |
| Net Issuance Payments Of Debt | - | $50,106,000 | $107,000 |
| Net Short Term Debt Issuance | - | $50,000,000 | $0 |
| Short Term Debt Issuance | - | $50,000,000 | $0 |
| Net Long Term Debt Issuance | - | $106,000 | $107,000 |
| Long Term Debt Issuance | - | $106,000 | $107,000 |
Fetched: 2026-06-19