First Carolina Financial Services (FCBM)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | - | - | - | -7 | -13 | 119 | 62 | - |
| Operating profit | $m | 16 | 14 | ||||||
| Net profit | $m | - | - | - | 20 | 21 | 12 | 11 | 29 |
| EPS reported | $ | 0.40 | 0.36 | ||||||
| Operating cashflow per share | $ | 1.19 | 1.04 | ||||||
| Capex per share | $ | 0.13 | 0.07 | ||||||
| FCF per share | $ | 1.06 | 0.98 | ||||||
| Free cash flow | $m | 32 | 13 | ||||||
| Net debt | $m | 4 | -5 | ||||||
| Book value equity | $m | 347 | 431 | ||||||
| Book value per share | $ | 11.47 | 17.09 | ||||||
| Number of shares | m | 30.25 | 25.24 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | - | ||||||
| P/B LTM | x | 1.10 | 0.88 | ||||||
| P/S LTM | x | 3.20 | 6.12 | ||||||
| P/FCF LTM | x | 11.90 | 29.19 | ||||||
| EV/EBITDA LTM | x | 18.82 | 25.26 | ||||||
| EV/Sales LTM | x | 1.82 | 3.64 | ||||||
| Earnings Yield LTM | % | +3.20% | +2.71% | ||||||
| FCF Yield | % | +8.40% | +3.43% | ||||||
| Quality | |||||||||
| ROE | % | +3.52% | +2.81% | ||||||
| ROIC | % | +16.27% | +0.32% | ||||||
| Operating margin | % | +7.34% | +13.26% | ||||||
| Gross margin | % | +53.04% | +60.33% | ||||||
| FCF/Sales | % | +15.11% | +29.81% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -42.03% | -47.83% | ||||||
| Sales Growth YoY | % | - | - | ||||||
| Net Income Growth YoY | % | -41.66% | -47.37% | ||||||
| FCF Growth | % | -43.99% | -77.17% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.23 | 0.12 | ||||||
| Net Debt/EBITDA | x | 0.21 | -0.35 | ||||||
| EBIT/Net interest | x | 0.17 | 0.33 | ||||||
| Net debt/market cap | % | +36.33% | +29.48% | ||||||
| Net debt/Equity | x | 0.01 | -0.01 | ||||||
| Gross debt/equity | x | 0.40 | 0.26 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Carolina Financial Services (FCBM)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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