First Carolina Financial Services

$12.85 USD

$0.05 (0.39%)

Volume: 33.22K
Average Volume: 133.27K
Market Capitalization: $388.66M
P/E Ratio: 35.69
Dividend Yield: 0.00%
Price Target: $14.50

Year High: $13.40
Year Low: $12.50
Day High: —
Day Low: —
Payout Ratio: $0.00
Current Ratio: $0.00

Price Target and Rating

Average Stock Price Forecast	$14.50
High Stock Price Forecast	$15.00
Low Stock Price Forecast	$14.00
Forecast Upside/Downside	-11.38%
Consensus Rating	Neutral
Rating Score(0-5)	3
Research Coverage	0 Analysts

Profitability

EPS (Most Recent Fiscal Year)	$0.4
Trailing P/E Ratio	35.69
PEG Ratio	0.36
P/E Growth	0.36
Net Income	$12.2M
Net Margin	12.92%
Pretax Margin	16.01%
Return on Equity	3.00%
Return on Assets	0.31%

Financials Score

AltmanZ Score
Piotroski Score
Working Capital	-
Total Assets	-
Ebit	-
Market Cap	-
Total Liabilities	-

About First Carolina Financial Services (NYSE:FCBM) Stock

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 tr ... ust 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 Announces Realignment of Executive Roles

2026-07-16 16:15:00

RALEIGH, N.C.--(BUSINESS WIRE)--First Carolina Financial Services, Inc. (NYSE: FCBM) (“First Carolina,” or the “Company”), the holding company for First Carolina Bank (“Bank”), announced today the appointment of Pat Pritchard to the newly created role of Chief Retail Banking and Chief Information Officer for the Bank and Andrew Mathieson to the role of Chief Revenue and Strategy Officer for the Company and the Bank. Pritchard previously served in the position of Chief Information Officer of the.

First Carolina Financial Services Rings NYSE Closing Bell to Celebrate Initial Public Offering

2026-06-22 18:28:00

RALEIGH, N.C.--(BUSINESS WIRE)--First Carolina Financial Services, Inc. (“First Carolina” or the “Company”), the holding company for First Carolina Bank (“Bank”), announced today that it had the distinct opportunity to visit the New York Stock Exchange (“NYSE”) last week in celebration of its initial public offering (“IPO”). The Company's Chairman, President, and CEO, Ron Day, led the occasion by ringing the bell for the Company's first trade and then the closing bell on Thursday, joined by mem.

First Carolina Financial Services Announces Pricing of Initial Public Offering

2026-06-17 20:21:00

RALEIGH, N.C.--(BUSINESS WIRE)--First Carolina Financial Services, Inc. (“First Carolina” or the “Company”), the holding company for First Carolina Bank (“Bank”), announced today the pricing of its initial public offering of 5,500,000 shares of its common stock at an initial public offering price of $12.50 per share. The shares are expected to begin trading on June 18, 2026 on the New York Stock Exchange under the ticker symbol “FCBM.” The closing of the offering is expected to occur on June 22,.

First Carolina Financial Seeks IPO On Slow Growth And Pricey Valuation

2026-06-10 14:39:05

First Carolina Financial Services is aiming for an $82.5 million in a U.S. IPO, targeting a $454M market cap and 18.2% float. FCBM's aggressive CRE loan growth is funded by potentially volatile student deposits, raising liquidity and duration mismatch risks. The FCBM IPO is priced at a premium - 14.4x forward earnings versus typical 10–12x for regional banks - despite an 80% efficiency ratio and fraud losses.

Frequently Asked Questions

What is the current First Carolina Financial Services (FCBM) stock price?: First Carolina Financial Services(NYSE:FCBM) stock price is $12.85 in the last trading session. During the trading session, FCBM stock reached the peak price of $13.4 while $12.5 was the lowest point it dropped to. The percentage change in FCBM stock occurred in the recent session was 0.39% while the dollar amount for the price change in FCBM stock was $0.05.
FCBM's industry and sector of operation?: The NYSE listed FCBM is part of Banks - Regional industry that operates in the broader Financial Services sector.
Who are the executives of FCBM?: R. Gregory Ferrell | Head of Real Estate Banking of First Carolina Bank
Ronald A. Day | President, CEO & Chairman
Steven G. Deaton | Chief Risk Officer & CFO
Stuart Rigot | General Counsel & Chief Legal Officer
Debra A. Medlin | Corporate Secretary
How many employees does FCBM have?: Number of FCBM employees currently stands at 274. FCBM operates from 2626 Glenwood Ave, Raleigh, NC 27608, US.

Link for FCBM official website?: Official Website of FCBM is: www.firstcarolinabank.com
How do I contact FCBM?: FCBM could be contacted at phone #None and can also be accessed through its website. FCBM operates from 2626 Glenwood Ave, Raleigh, NC 27608, US.
How many shares of FCBM are traded daily?: The average number of FCBM shares traded daily for last 3 months was 133.27K.
What is the market cap of FCBM currently?: The market value of FCBM currently stands at $388.66M with its latest stock price at $12.85

Enter your email address below for free access to our First Carolina Financial Services (FCBM) research center and poll results.

First Carolina Financial Services

$12.85 USD

Company Overview

Liquidity Metrics

Sales & Valuation

Profitability

P/E Metrics

Analyst Price Target & Rating

Poll Results