What is First Carolina Financial Services (FCBM) stock price today?

First Carolina Financial Services (FCBM) is currently trading at $12.49, down 0.08% today.

What is FCBM P/E ratio?

First Carolina Financial Services's P/E ratio is 34.69. This is above the market average, reflecting high growth expectations.

What is FCBM return on equity (ROE)?

First Carolina Financial Services's return on equity (ROE) is 2.81%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is First Carolina Financial Services's market cap?

First Carolina Financial Services has a market capitalization of $377.77M.

NYSE · Banks - Regional

First Carolina Financial Services (FCBM) Stock

$12.49 -0.08% NYSE: FCBM Financial Services

First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses.

Valuation

Metric	Value
Price	$12.49
Market Cap	$377.77M
P/E Ratio	34.69
P/B Ratio	0.92
P/S Ratio	3.62
EPS (TTM)	$0.40
52-Week High	$13.40
52-Week Low	$12.17
Dividend Yield	0.00%

Financials & Margins

Metric	Value
ROE	2.81%
ROA	0.32%
ROCE	0.41%
Gross Margin	60.33%
Operating Margin	13.26%
Net Margin	10.56%
Debt/Equity	0.26
Current Ratio	2.38

Annual Financials (USD)

Metric	2023	2024	2025
Revenue	$63.0M	$72.0M	$212.0M
Operating Profit	$0	$0	$16.0M
Net Profit	$20.0M	$21.0M	$12.0M
EPS	$0.65	$0.69	$0.40
Op Margin	0.0%	0.0%	7.3%

Balance Sheet (USD)

Metric	2023	2024	2025
Total Assets	$2.7B	$3.0B	$3.3B
Total Liabilities	$2.5B	$2.7B	$3.0B
Cash	$161.0M	$168.0M	$134.0M
Borrowings	$63.0M	$163.0M	$138.0M

Latest News

First Carolina Financial Services Rings NYSE Closing Bell to Celebrate Initial Public Offering Business Wire · Jun 22, 2026 Sector Update: Financial Stocks Ease Thursday Afternoon MT Newswires · Jun 18, 2026 First Carolina Financial Services Announces Pricing of Initial Public Offering Business Wire · Jun 18, 2026

Cash Flow (USD)

Metric	2023	2024	2025
Operating Cash Flow	$-31.0M	$62.0M	$36.0M
Investing Cash Flow	$-531.0M	$-352.0M	$-327.0M
Financing Cash Flow	$586.0M	$198.0M	$253.0M
Net Cash Flow	$31.0M	$7.0M	$-34.0M
Free Cash Flow	$-38.0M	$57.0M	$32.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.35
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	—
Return 3Y	—
Return 5Y	—

Ownership

Insiders Held19.02%

Institutions Held0.00%

Institutions Float Held0.00%

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
AAPLApple Inc.	$313.33	+0.29%	37.72	$4.60T	0.34%
MSFTMicrosoft Corporation	$499.99	+0.03%	22.95	$3.71T	0.94%
GOOGLAlphabet Inc.	$354.30	-0.96%	27.68	$4.29T	0.23%
AMZNAmazon.com, Inc.	$274.48	+0.82%	28.76	$2.95T	0.00%
METAMeta Platforms, Inc.	$592.10	+0.37%	21.47	$1.51T	0.35%

About First Carolina Financial Services

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.

First Carolina Financial Services is headquartered in US.

First Carolina Financial Services (FCBM) stock trades at $12.49 with a market capitalization of $377.77M. The stock is valued at a price-to-earnings (P/E) ratio of 34.69, price-to-book of 0.92, price-to-sales of 3.62. Over the past 52 weeks the stock has ranged between $12.17 and $13.40, and currently trades 6.8% below its 52-week high.

On profitability, First Carolina Financial Services generates a return on equity (ROE) of 2.81%, return on capital employed of 0.41%, an operating margin of 13.26%, a net profit margin of 10.56%.

Official website: www.firstcarolinabank.com