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First Carolina Financial Services, Inc. (FCBM)

Financial Services | Banks - Regional | Raleigh, United States | NYSE
12.56 USD -0.15 (-1.180%) ⇩ (Oct. 14, 2026, 4 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:☆☆☆☆☆
Hot Take ↕ | Oct. 10, 2026, 7 a.m. EDT

The security is a newly listed IPO with insufficient price history to assess long-term performance, resulting in a neutral long-term stance despite the company's operational details. While the forward P/E suggests potential earnings expansion, the trailing twelve-month revenue contraction of 13.3% and the fact that the current price trades below book value indicate a market that remains skeptical of the immediate business trajectory. The short-term outlook is neutral given the lack of established momentum patterns in such fresh listings, though the high analyst consensus provides a modest floor. Crucially, there is no dividend data available, offering zero income yield to investors.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.007609
AutoETS0.019059
MSTL0.020179
AutoTheta0.026958

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 78%
H-stat 2.11
Ljung-Box p 0.000
Jarque-Bera p 0.303
Excess Kurtosis -0.30
Attribute Value
Sector Financial Services
Revenue per Share 5.242
Market Cap 390,224,800
Trailing P/E 23.26
Forward P/E 9.19
Profit Margins 10.80%
Website https://www.firstcarolinabank.com

Info Dump

Attribute Value
52 Week Change 0.008730173
Address1 2,626 Glenwood Avenue
Address2 Suite 520
All Time High 13.4
All Time Low 12.17
Ask 19.59
Ask Size 500
Average Analyst Rating 2.3 - Buy
Average Daily Volume10 Day 119,020
Average Daily Volume3 Month 148,471
Average Volume 148,471
Average Volume10Days 119,020
Bid 0.0
Bid Size 400
Book Value 13.829
City Raleigh
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 12.56
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 12.825
Day Low 12.56
Display Name First Carolina Finl Services
Dividend Yield 0.0
Earnings Growth 0.111
Earnings Quarterly Growth 0.11
Earnings Timestamp 1,785,414,600
Earnings Timestamp End 1,793,104,200
Earnings Timestamp Start 1,793,104,200
Ebitda Margins 0.0
Enterprise To Revenue 3.04
Enterprise Value 391,706,784
Eps Current Year 0.91667
Eps Forward 1.36667
Eps Trailing Twelve Months 0.54
Esg Populated 0
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 12.7068
Fifty Day Average Change -0.14680004
Fifty Day Average Change Percent -0.011552872
Fifty Two Week Change Percent 0.8730173
Fifty Two Week High 13.4
Fifty Two Week High Change -0.8399992
Fifty Two Week High Change Percent -0.06268651
Fifty Two Week Low 12.17
Fifty Two Week Low Change 0.39000034
Fifty Two Week Low Change Percent 0.032046042
Fifty Two Week Range 12.17 - 13.4
Financial Currency USD
First Trade Date Milliseconds 1,781,789,400,000
Float Shares 25,000,795
Forward Eps 1.36667
Forward P E 9.190222
Full Exchange Name NYSE
Full Time Employees 269
Fullday Change -0.09000015
Fullday Change Percent -0.7031262
Fullday Price 12.56
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 128,851,000
Has Pre Post Market Data 1
Held Percent Insiders 0.19444999
Held Percent Institutions 0.22836
Implied Shares Outstanding 31,068,852
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
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 in the United States. It operates through two segments, Community Banking and BM Tech business line. The company offers business services including checking, savings, money market deposit accounts, certificates of deposit, individual retirement accounts, and large deposit insurance; commercial financing and real estate loans and consumer loans; credit and debit cards; online banking and bill pay services; remote deposit capture, treasury management, merchant services, and wealth management services; 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; and retail banking services. It serves small and medium-sized businesses, individuals, professionals, and institutions. 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 390,224,800
Market State PRE
Max Age 86,400
Message Board Id finmb_142655592
Most Recent Quarter 1,782,777,600
Net Income To Common 13,912,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 395,506,485
Number Of Analyst Opinions 3
Open 12.69
Operating Cashflow 29,268,000
Operating Margins 0.28952998
Payout Ratio 0.0
Phone 252 937 2152
Previous Close 12.71
Price Eps Current Year 13.701769
Price Hint 2
Price To Book 0.9082363
Price To Sales Trailing12 Months 3.0284965
Profit Margins 0.10797
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.33333
Region US
Regular Market Change -0.15
Regular Market Change Percent -1.18017
Regular Market Day High 12.825
Regular Market Day Low 12.56
Regular Market Day Range 12.56 - 12.825
Regular Market Open 12.69
Regular Market Previous Close 12.71
Regular Market Price 12.56
Regular Market Time 1,792,008,002
Regular Market Volume 66,078
Revenue Growth -0.133
Revenue Per Share 5.242
Sand P52 Week Change 0.1570785
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 31,068,852
Shares Percent Shares Out 0.0057
Shares Short 176,522
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 84,325
Short Name First Carolina Financial Servic
Short Percent Of Float 0.0064999997
Short Ratio 0.68
Source Interval 15
State NC
Symbol FCBM
Target High Price 15.0
Target Low Price 14.0
Target Mean Price 14.66667
Target Median Price 15.0
Total Cash 118,821,000
Total Cash Per Share 3.824
Total Debt 120,303,000
Total Revenue 128,851,000
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 0.54
Trailing P E 23.259258
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 12.711234
Two Hundred Day Average Change -0.15123367
Two Hundred Day Average Change Percent -0.011897638
Type Disp Equity
Volume 66,078
Website https://www.firstcarolinabank.com
Zip 27,608