ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Bancorp (North Carolina) ?
1
High Profitability with a Net Interest Margin of 5.84%
2
The company has declared positive results in Mar'2025 after 2 consecutive negative quarters
- NII(Q) Highest at USD 96.68 MM
- NET SALES(Q) Highest at USD 136.74 MM
- CASH AND EQV(HY) Highest at USD 289.27 MM
3
With ROA of 0.40%, it has a expensive valuation with a 1.14 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 4.80%, its profits have fallen by -24.2%
4
High Institutional Holdings at 72.98%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow 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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
First Bancorp (North Carolina)
10.42%
2.39
29.87%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.83%
EBIT Growth (5y)
-4.76%
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
47.72%
Pledged Shares
0
Institutional Holding
72.98%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
1.14
EV to EBIT
10.44
EV to EBITDA
8.98
EV to Capital Employed
1.28
EV to Sales
1.90
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
12.23%
ROE (Latest)
5.76%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at USD 96.68 MM
NET SALES(Q)
Highest at USD 136.74 MM
CASH AND EQV(HY)
Highest at USD 289.27 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 49.82 MM
OPERATING PROFIT MARGIN(Q)
Highest at 36.44 %
PRE-TAX PROFIT(Q)
Highest at USD 49.82 MM
NET PROFIT(Q)
Highest at USD 38.33 MM
EPS(Q)
Highest at USD 0.93
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 75.95%
Here's what is working for First Bancorp (North Carolina)
NII
Highest at USD 96.68 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 136.74 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 49.82 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 36.44 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 49.82 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 38.33 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.93
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 289.27 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)
CASA
Highest at 15.45%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for First Bancorp (North Carolina)
Credit Deposit Ratio
Lowest at 75.95%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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