First Carolina Financial Services, Inc. (FCBM)Financial Services | Banks - Regional | Raleigh, United States | NYSE
12.70 USD
+0.05
(0.395%)
⇧
(July 13, 2026, 4 p.m.
EDT)
After hours: 12.70 |
Hot Take ↕ | July 11, 2026, 2:45 a.m. EDT
This instrument is a brand-new listing with no historical price data or dividend track record, rendering any assessment of past performance or yield impossible. The company recently priced its IPO at $12.50, trading near current levels around $12.65, which suggests the initial offering was fairly valued rather than significantly discounted. Fundamentally, the bank shows modest revenue growth of roughly 2% and a healthy 26% earnings expansion, supported by a solid 31% operating margin and a book value of $14.36, implying the stock trades at a discount to assets. However, the valuation remains elevated at a P/E of nearly 29x, reflecting high expectations for a regional bank in a slow-growth environment. Without a multi-year price history to confirm whether the market has correctly priced these fundamentals or if the stock is merely a speculative new issue, the investment case remains neutral. |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Revenue per Share | 5.44 |
| Market Cap | 384,121,056 |
| Trailing P/E | 28.86 |
| Forward P/E | 10.16 |
| Profit Margins | 10.02% |
| Website | https://www.firstcarolinabank.com |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.003968239 |
| Address1 | 2,626 GLENWOOD AVE |
| All Time High | 13.4 |
| All Time Low | 12.5 |
| Ask | 13.46 |
| Ask Size | 200 |
| Average Analyst Rating | 2.0 - Buy |
| Average Daily Volume10 Day | 104,710 |
| Average Daily Volume3 Month | 150,293 |
| Average Volume | 150,293 |
| Average Volume10Days | 104,710 |
| Bid | 12.02 |
| Bid Size | 200 |
| Book Value | 14.355 |
| City | Raleigh |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 12.7 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 12.9589 |
| Day Low | 12.7 |
| Display Name | First Carolina Financial Services |
| Earnings Growth | 0.26 |
| Earnings Quarterly Growth | 0.256 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 1.442 |
| Enterprise Value | 192,848,624 |
| Eps Current Year | 0.91 |
| Eps Forward | 1.25 |
| Eps Trailing Twelve Months | 0.44 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 12.777333 |
| Fifty Day Average Change | -0.07733345 |
| Fifty Day Average Change Percent | -0.0060523935 |
| Fifty Two Week Change Percent | 0.39682388 |
| Fifty Two Week High | 13.4 |
| Fifty Two Week High Change | -0.6999998 |
| Fifty Two Week High Change Percent | -0.052238792 |
| Fifty Two Week Low | 12.5 |
| Fifty Two Week Low Change | 0.19999981 |
| Fifty Two Week Low Change Percent | 0.015999984 |
| Fifty Two Week Range | 12.5 - 13.4 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,781,789,400,000 |
| Float Shares | 19,737,419 |
| Forward Eps | 1.25 |
| Forward P E | 10.16 |
| Full Exchange Name | NYSE |
| Full Time Employees | 263 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 0.0 |
| Gross Profits | 133,765,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.19021 |
| Held Percent Institutions | 0.0 |
| Implied Shares Outstanding | 30,245,752 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses in the United States. 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. |
| Long Name | First Carolina Financial Services, Inc. |
| Market | us_market |
| Market Cap | 384,121,056 |
| Market State | POSTPOST |
| Max Age | 86,400 |
| Message Board Id | finmb_142655592 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | 13,407,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 382,608,762 |
| Number Of Analyst Opinions | 1 |
| Open | 12.75 |
| Operating Cashflow | 29,382,000 |
| Operating Margins | 0.31028 |
| Payout Ratio | 0.0 |
| Phone | (252) 937-2152 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 12.7 |
| Post Market Time | 1,783,976,700 |
| Previous Close | 12.65 |
| Price Eps Current Year | 13.956043 |
| Price Hint | 2 |
| Price To Book | 0.8847092 |
| Price To Sales Trailing12 Months | 2.871611 |
| Profit Margins | 0.10023 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.0 |
| Region | US |
| Regular Market Change | 0.0500002 |
| Regular Market Change Percent | 0.395258 |
| Regular Market Day High | 12.9589 |
| Regular Market Day Low | 12.7 |
| Regular Market Day Range | 12.7 - 12.9589 |
| Regular Market Open | 12.75 |
| Regular Market Previous Close | 12.65 |
| Regular Market Price | 12.7 |
| Regular Market Time | 1,783,972,802 |
| Regular Market Volume | 94,185 |
| Revenue Growth | 0.019 |
| Revenue Per Share | 5.44 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Shares Outstanding | 30,245,752 |
| Shares Percent Shares Out | 0.0001 |
| Shares Short | 3,175 |
| Short Name | First Carolina Financial Servic |
| Short Percent Of Float | 0.0001 |
| Short Ratio | 0.02 |
| Source Interval | 15 |
| State | NC |
| Symbol | FCBM |
| Target High Price | 15.0 |
| Target Low Price | 15.0 |
| Target Mean Price | 15.0 |
| Target Median Price | 15.0 |
| Total Cash | 190,323,008 |
| Total Cash Per Share | 7.732 |
| Total Debt | 70,563,000 |
| Total Revenue | 133,765,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.44 |
| Trailing P E | 28.863636 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 12.777333 |
| Two Hundred Day Average Change | -0.07733345 |
| Two Hundred Day Average Change Percent | -0.0060523935 |
| Type Disp | Equity |
| Volume | 94,185 |
| Website | https://www.firstcarolinabank.com |
| Zip | 27,608 |