ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Bancorp (North Carolina) ?
1
High Profitability with a Net Interest Margin of 5.74%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NET PROFIT(Q) At USD 15.71 MM has Grown at 332.75%
- NII(Q) Highest at USD 106.2 MM
- OPERATING PROFIT(Q) Highest at USD 60.67 MM
3
High Institutional Holdings at 84.18%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 5.91% over the previous quarter.
4
Market Beating Performance
- The stock has generated a return of 36.98% in the last 1 year, much higher than market (S&P 500) returns of 17.78%
Real-Time Research ReportHow much should you buy?
- 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)
36.98%
2.84
29.37%
S&P 500
17.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.58%
EBIT Growth (5y)
-7.90%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
33.97%
Pledged Shares
0
Institutional Holding
84.18%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
Industry P/E
Price to Book Value
1.30
EV to EBIT
12.24
EV to EBITDA
10.80
EV to Capital Employed
1.53
EV to Sales
2.55
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
12.53%
ROE (Latest)
6.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
NET PROFIT(Q)
At USD 15.71 MM has Grown at 332.75%
NII(Q)
Highest at USD 106.2 MM
OPERATING PROFIT(Q)
Highest at USD 60.67 MM
OPERATING PROFIT MARGIN(Q)
Highest at 42.24 %
PRE-TAX PROFIT(Q)
At USD 16.95 MM has Grown at 146.37%
CASH AND EQV(HY)
Highest at USD 285.13 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for First Bancorp (North Carolina)
Net Profit
At USD 15.71 MM has Grown at 332.75%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 106.2 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit
Highest at USD 60.67 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 42.24 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
At USD 16.95 MM has Grown at 146.37%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Cash and Eqv
Highest at USD 285.13 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for First Bancorp (North Carolina)
Capital Adequacy Ratio
Lowest at 14.83%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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