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First Bank branch, Landfall neighborhood, Wilmington, North Carolina
Picture: RadioKAOS, CC BY-SA 3.0, via Wikimedia Commons
FBNC

First Bancorp

First Bancorp is classed by the SEC under State Commercial Banks (industry code 6022), based in Southern Pines, NC. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $68 million and a profit of $110 million (its filed statements).

Lending business State Commercial Banks Southern Pines, NC filings since 1995 9 of 9 filed
Ask the desk about FBNC → Compare FBNC with OFG → Price chart on TradingView ↗ Full EDGAR file ↗ Watch FBNC →

Sector peers: OFGCNOBLOBEGBN

4.3/10headline grade
vs its business-model standard
3.6/10past 5.0/10present 4.6/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 4.3 out of ten, 9 of 9 metrics filed: past 3.6 out of ten, present 5.0 out of ten, future 4.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 3.5 out of ten. 2 warning events since 2017; the latest 2025-03-10. 35th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 6.0 out of ten. +17.5% a year over 10 filed years; profitable in 10 of 10. 60th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Shareholder treatment (past): 2.2 out of ten. Share count grew 5.1% a year. 21% of cash flow returned. Insiders: 10 sales, 1 purchases. 22nd percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 5.1 out of ten. ROE 7%: 7¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar. 51st percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 5.4 out of ten. top 46% of 155 in its family; net margin 19.8%. 54th percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Leadership (present): 4.0 out of ten. bottom 40% of 150 in its family for leadership; chief executive since 2012. 40th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
  • Room to expand (future): 6.0 out of ten. top 40% of 142 in its family for room to expand. 60th percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Growth drivers (future): 4.1 out of ten. bottom 41% of 152 in its family for growth drivers. 41st percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Expectations vs reality (future): 3.8 out of ten. bottom 38% of 150 in its family for expectations against reality. 38th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-02-25 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-22 (on EDGAR). Newest filing: Form S-4/A, 2026-10-08. Filings on record since 1995. Read from EDGAR 2026-10-12.

Who runs it

Moore, Richard H (Chief Executive Officer); Deferie, Suzanne S (Regional President); Mayer, Michael Goodwin (President); Bostian, Elizabeth B (Chief Financial Officer); Wilson, Christian Anthony (Chief Operating Officer); Currie, Gregory A (Chief Exec. Officer-First Bank); Hicks, Thomas Brent (Chief Accounting Officer); Nevin, Katharine Caldwell (director); Hans, Peter (director); Crawford, James C III (director); and 7 more. 17 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

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