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

Live Oak Bancshares, Inc.

First Bancorp (North Carolina)

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Heartland Financial USA, Inc.

Lakeland Financial Corp. (Indiana)

Merchants Bancorp (Indiana)

Enterprise Financial Services Corp.

First Commonwealth Financial Corp. (Pennsylvania)

Trustmark Corp.

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 Mar 26

The company has declared positive results for the last 5 consecutive quarters
NII(Q) Highest at USD 107.12 MM
ROCE(HY) Highest at 0.95%
CASH AND EQV(HY) Highest at USD 281.94 MM

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 43.75%, its profits have risen by 45.7% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 82.78%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating Performance

The stock has generated a return of 43.75% in the last 1 year, much higher than market (S&P 500) returns of 22.99%

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)

43.75%

3.55

28.01%

S&P 500

22.99%

1.78

12.93%

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

15What is working for the Company

NII(Q)

Highest at USD 107.12 MM

ROCE(HY)

Highest at 0.95%

CASH AND EQV(HY)

Highest at USD 281.94 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 79.85%

PRE-TAX PROFIT(Q)

Highest at USD 58.99 MM

NET PROFIT(Q)

Highest at USD 46.44 MM

EPS(Q)

Highest at USD 1.13

-5What is not working for the Company

ROCE(HY)

Lowest at 0.95%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 21.33%

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

NII

Highest at USD 107.12 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Pre-Tax Profit

Highest at USD 58.99 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 46.44 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.13

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 281.94 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 79.85%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

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

Non Performing Loans (%)

Highest at 0.47%

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 21.33%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)