First Bancorp (North Carolina) (FBNC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Merchants Bancorp (Indiana)

Stock Yards Bancorp, Inc.

First Bancorp (North Carolina)

First Commonwealth Financial Corp. (Pennsylvania)

Heartland Financial USA, Inc.

Enterprise Financial Services Corp.

Lakeland Financial Corp. (Indiana)

Trustmark Corp.

Live Oak Bancshares, Inc.

The Bank of N.T. Butterfield & Son Ltd.

Westamerica Bancorporation

Why is First Bancorp (North Carolina) ?

High Profitability with a Net Interest Margin of 5.72%

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26

The company has declared positive results for the last 6 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 208.32 MM
NII(Q) Highest at USD 111.27 MM
ROCE(HY) Highest at 1.03%

With ROA of 0.51%, it has a expensive valuation with a 1.38 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 15.36%, its profits have risen by 45.7% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 91.58%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 8.8% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Bancorp (North Carolina) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Bancorp (North Carolina) for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

First Bancorp (North Carolina)

15.36%

4.22

26.21%

S&P 500

15.36%

1.17

13.09%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

18.58%

EBIT Growth (5y)

-8.24%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.97%

Pledged Shares

Institutional Holding

82.78%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.38

EV to EBIT

14.56

EV to EBITDA

13.12

EV to Capital Employed

1.53

EV to Sales

3.28

PEG Ratio

0.46

Dividend Yield

ROCE (Latest)

10.52%

ROE (Latest)

6.68%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

20What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 208.32 MM

NII(Q)

Highest at USD 111.27 MM

ROCE(HY)

Highest at 1.03%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 148.31 MM

OPERATING PROFIT(Q)

Highest at USD 63.37 MM

OPERATING PROFIT MARGIN(Q)

Highest at 42.73 %

PRE-TAX PROFIT(Q)

Highest at USD 63.37 MM

NET PROFIT(Q)

Highest at USD 50.3 MM

EPS(Q)

Highest at USD 1.22

-5What is not working for the Company

ROCE(HY)

Lowest at 1.03%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 19.66%

Here's what is working for First Bancorp (North Carolina)

NII

Highest at USD 111.27 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 208.32 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 148.31 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 63.37 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 42.73 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 63.37 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 50.3 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.22

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for First Bancorp (North Carolina)

Non Performing Loans (%)

Highest at 0.49%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Dividend Payout Ratio

Lowest at 19.66%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)