FBNC PEER ANALYSIS

First Bancorp — metric-by-metric comparison with peers and the industry median

FBNCFirst Bancorp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

FBNCIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FBNC	BFL	BOQ	KLNMA	EQB	BEN	Ind. Median
P/E	21.75	3.25●	40.94	10.20	25.90	—	12.88
P/B	1.57	0.74	0.69●	2.79	1.55	1.00	1.29
EV/EBITDA	3.68	-1.43●	67.07	7.18	54.62	—	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FBNC	BFL	BOQ	KLNMA	EQB	BEN	Ind. Median
Current Ratio	1,717.54●	33.68	0.05	—	0.09	0.03	0.31
Debt/Equity	5.3%	9.1%	258.4%	0.0%●	496.5%	142.6%	38.0%
NetDebt/EBITDA	-12.18●	-3.30	49.89	-0.00	40.36	—	-0.58

Profitability
Metric	FBNC	BFL	BOQ	KLNMA	EQB	BEN	Ind. Median
Net Margin	21.8%	30.2%	2.0%	58.1%●	6.6%	—	20.6%
ROE	7.6%	24.2%	1.6%	34.1%●	6.1%	—	10.9%
ROA	1.0%	2.9%	0.1%	5.4%●	0.4%	—	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FBNC	BFL	BOQ	KLNMA	EQB	BEN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	38.9%	—	-67.9%	42.3%●	-49.0%	—	19.4%
Div. Yield	1.4%	22.6%●	6.5%	—	1.6%	6.1%	2.5%
Payout	31.1%	68.7%	256.1%	—	43.2%	—	31.4%

Valuation
Metric	FBNC	BUSE	FRME	NBTB	TBBK	BLX	Ind. Median
P/E	21.75	12.28	13.33	14.28	11.78	11.01●	12.88
P/B	1.57	1.10	0.99●	1.37	3.90	1.49	1.29
EV/EBITDA	3.68●	9.86	11.14	10.02	9.17	19.68	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FBNC	BUSE	FRME	NBTB	TBBK	BLX	Ind. Median
Current Ratio	1,717.54●	0.73	6.04	1.29	0.02	0.27	0.31
Debt/Equity	5.3%●	27.5%	61.6%	8.4%	32.0%	255.0%	38.0%
NetDebt/EBITDA	-12.18●	1.55	0.69	0.04	0.43	8.84	-0.58

Profitability
Metric	FBNC	BUSE	FRME	NBTB	TBBK	BLX	Ind. Median
Net Margin	21.8%	19.2%	18.9%	19.7%	29.7%	38.7%●	20.6%
ROE	7.6%	9.4%	7.9%	10.6%	30.3%●	15.0%	10.9%
ROA	1.0%	1.1%	1.0%	1.2%	2.4%●	1.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FBNC	BUSE	FRME	NBTB	TBBK	BLX	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	38.9%	274.5%●	-4.8%	27.9%	5.9%	12.2%	19.4%
Div. Yield	1.4%	3.4%	3.3%	2.9%	—	4.4%●	2.5%
Payout	31.1%	48.3%	43.8%	41.3%	—	44.0%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.