FCBM First Carolina Financial Services, Inc. Common Stock
$12.62
Price · Aug 19, 2026
Fundamentals as of Aug 14, 2026
52W Range
$12–$13
37% of range
Analyst Rating
—
Price Target
$15
+16% upside
P/E (TTM)
—
ROE
—
Net Profit Margin
—
FCBM Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$12.62
Market Cap
—
P/E (TTM)
—
EPS (TTM)
—
Revenue (TTM)
—
Div Yield
—
ROE
—
Debt/Equity
—
52W Range
$12 – $13
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
—
Free Cash Flow
—
Margins
—
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
FCBM
Peer Median
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
FCBM
Peer Median
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
FCBM
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
FCBM
Peer Median
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
FCBM
Peer Median
FCBM Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
12-Month Price Target
3 analysts · 2026-08-16
Median
$15.00
Mean
$14.67
← Below all targets
$12.62
Low
$14.00
High
$15.00
Median target
$15.00
+18.9%
Mean target
$14.67
+16.2%
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| FCBM | — | — | — | — | — | — |
| KEY | $22.75B | 13.6 | 62.6% | 24.3% | 9.2% | — |
| FRBT | — | — | — | — | — | — |
| JPM | $868.77B | 16.1 | 2.8% | 31.3% | 16.1% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 9
| Metric | Trend | Q2 2026 |
|---|---|---|
| Revenue | $6M | |
| Interest Income | $47M | |
| Pretax Income | $6M | |
| Income Tax | $1M | |
| Net Income | $5M | |
| EPS (Basic) | $0.21 | |
| EPS (Diluted) | $0.20 | |
| Shares (Basic) | 24,802,799 | |
| Shares (Diluted) | 25,235,701 |
Balance Sheet 15
| Metric | Trend | Q2 2026 |
|---|---|---|
| Cash & Equivalents | $119M | |
| PP&E (Net) | $42M | |
| Goodwill | $46M | |
| Intangibles | $23M | |
| Total Assets | $3.41B | |
| Short-term Debt | $50M | |
| Total Liabilities | $2.98B | |
| Total Debt | $50M | |
| Common Stock | $16M | |
| Paid-in Capital | $308M | |
| Retained Earnings | $106M | |
| AOCI | $-330.0K | |
| Stockholders' Equity | $430M | |
| Liabilities + Equity | $3.41B | |
| Shares Outstanding | 31,068,852 |
Cash Flow 1
| Metric | Trend | Q2 2026 |
|---|---|---|
| Amort. of Intangibles | $692.0K |
Profitability 4
| Metric | Trend | Q2 2026 |
|---|---|---|
| Net Margin | 92.0% | |
| Pretax Margin | 117.2% | |
| ROA | 0.30% | |
| ROE | 2.4% |
Liquidity & Solvency 1
| Metric | Trend | Q2 2026 |
|---|---|---|
| Debt / Equity | 0.1 |
Efficiency 1
| Metric | Trend | Q2 2026 |
|---|---|---|
| Asset Turnover | 0.0 |
Valuation (TTM) 4
| Metric | Trend | Q2 2026 |
|---|---|---|
| Market Cap | $411M | |
| Enterprise Value | $343M | |
| P/B | 1.0 | |
| P / Tangible Book | 1.1 |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
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Company insiders 15 insiders · 6 officers · 10 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Ronald Arvin Day | Chairman, President and CEO | June 18, 2026 P | 383,600 | 1 | 0 | $50,000 |
| Steven G Deaton | CFO and Chief Risk Officer | June 18, 2026 P | 79,000 | 1 | 0 | $50,000 |
| Kristen Dawn Brabble | Chief Operating Officer | June 18, 2026 P | 135,000 | 1 | 0 | $9,375 |
| Overton Stokes Suiter III | Chief Credit Officer of Bank | June 18, 2026 P | 84,100 | 1 | 0 | $13,750 |
| Patrick Wayne Pritchard | Chief Info. Officer of Bank | June 18, 2026 P | 50,000 | 1 | 0 | $12,500 |
| Douglas Ford IV | Chief Banking Officer of Bank | June 18, 2026 P | 160,000 | 1 | 0 | $50,000 |
| Charles Austin Robbins Jr | Director | June 18, 2026 P | 369,492 | 1 | 0 | $175,000 |
| John Jethro Ferebee Jr | Director | June 18, 2026 P | 7,100 | 3 | 0 | $176,300 |
| Gregory Everette Floyd | Director | June 18, 2026 P | 3,375 | 4 | 0 | $357,813 |
| Vincent Charles Andracchio II | Director | June 18, 2026 P | 33,284 | 1 | 0 | $100,000 |
| John Walter Gussenhoven | Director | June 18, 2026 P | 334,016 | 1 | 0 | $200,000 |
| Sandra Bell Boone | Director | June 18, 2026 P | 304,782 | 1 | 0 | $87,500 |
| Kevin Meek Shannon | Director | June 18, 2026 P | 23,000 | 1 | 0 | $50,000 |
| Charles Albert Paul III | Director | June 18, 2026 P | 103,000 | 1 | 0 | $87,500 |
| James A Lucas JR | Director | June 18, 2026 P | 5,790 | 4 | 0 | $239,750 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only