OakChart

First Carolina Financial Services Inc

FCBMFinancial·Banks - Regional·USA·Small·NYSE·Nov 11 • 3:59 PM ET

13.46+0.04 (0.30%)
2026-11-12 04:08 CET
Market cap
418.20 USD m
Revenue, TTM
- USD m
Net income, TTM
7.90 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
0.26
P/E
-
Compare

Price

FCBM against its 20 and 50-day averages
2050beatmiss
12.5013.0013.5014.001.0M2.1MVolumeJun 26Jul 26Aug 26Sep 26Oct 26Nov 26FCBMclose 13.4620-day 13.0350-day 12.8613.4652w high52w low

3.9% under the 52-week high of 14.00 on 9 Nov 2026. 52-week low 12.17 on 30 Jul 2026. Last 15 sessions, 10.6% high to low

Volume 0.44× normal · the line is the 50-bar volume average

Profile

FCBM
52-week range, 70% of the way up
12.1714.00

First Carolina Financial Services, Inc. is a bank holding company, which engages in the management and ownership of the activities of First Carolina Bank. The firm's services include checking and savings deposit, commercial financing and real estate borrowing, treasury management, and specialized industry accounts. It operates through the Community Banking and BM Tech segments. The Community Banking segment gathers deposits and originating loans for portfolio in its respective primary markets. The BM Tech segment is composed of a technology platform through which funds disbursement services are provided to higher education institutions and student consumers for opening digital-first deposit accounts. The company was founded by Ronald A. Day on December 17, 2009 and is headquartered in Raleigh, NC.

IndexRUT
Employees274
IPOJun 18, 2026
ATR, 14d0.30
Rel volume0.44
Short float1.09%
Insider own24.17%
Inst own21.49%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap418.20M
Enterprise Value-
Income-
Sales-
Book/sh13.93
Cash/sh-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees274
IPOJun 18, 2026

Ratios

P/E-
Forward P/E-
PEG-
P/S-
P/B0.97
P/C-
P/FCF-
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.18
Debt/Eq0.07
LT Debt/Eq0.07
Option/ShortNo / Yes

Earnings

EPS (ttm)-
EPS next Y-
EPS next Q0.26
EPS this Y-
EPS next Y-
EPS next 5Y-
EPS past 3/5Y-21.16% -
Sales past 3/5Y29.86% -
EPS Y/Y TTM-
Sales Y/Y TTM-
EPS Q/Q-
Sales Q/Q-
EarningsOct 27 AMC
EPS/Sales Surpr.16.80% -3.48%

Ownership

Insider Own24.17%
Insider Trans1.80%
Inst Own21.49%
Inst Trans61.52%
ROA-
ROE-
ROIC-
Gross Margin-
Oper. Margin-
Profit Margin-
SMA203.30%
SMA504.68%
SMA2005.38%
Trades-

Technical

Shs Outstand31.07M
Shs Float23.56M
Short Float1.09%
Short Ratio1.45
Short Interest0.26M
52W High14.00 -3.86%
52W Low12.17 10.60%
Volatility2.56% 2.14%
ATR (14)0.30
RSI (14)62.74
Beta-
Rel Volume0.44
Avg Volume177.19K
Volume77,291

Performance

Perf Week-0.30%
Perf Month5.90%
Perf Quarter5.57%
Perf Half Y-
Perf YTD1.58%
Perf Year-
Perf 3Y-
Perf 5Y-
Perf 10Y-
Recom1.33
Target Price15.00
Prev Close13.42
Price13.46
Change %0.30%

Analyst ratings

latest 3 of 3
DateActionAnalystRating changeTargetImplied
Nov 02, 2026UpgradeHHovde GroupMarket Perform → Outperform$15+11.4%
Jul 17, 2026InitiatedHHovde GroupMarket Perform$14+4.0%
Jul 13, 2026InitiatedRRaymond JamesOutperform$15+11.4%

Peers

Mkt cap
TickerCompanyMkt cap
SFSTSouthern First Bancshares Inc579.23M
HTBHomeTrust Bancshares Inc748.43M
PEBKPeoples Bancorp Of North Carolina Inc235.55M
COSOCoastalSouth Bancshares Inc335.73M
FCCOFirst Community Corp307.19M
MVBFMVB Financial Corp331.46M
FBNCFirst Bancorp2.69B
BRBSBlue Ridge Bankshares Inc (VA)362.32M
CARECarter Bankshares Inc641.97M
LOBLive Oak Bancshares Inc1.59B

Insider trading

latest 14 of 18
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
DEATON STEVEN GCFO and Chief Risk OfficerJun 18 '26Buy12.504,00050,00079,000Jun 22 07:04 PM
Boone Sandra BellDirectorJun 18 '26Buy12.507,00087,500304,782Jun 22 07:03 PM
Shannon Kevin MeekDirectorJun 18 '26Buy12.504,00050,00023,000Jun 22 07:03 PM
Robbins Charles Austin JrDirectorJun 18 '26Buy12.5014,000175,000369,492Jun 22 07:03 PM
Paul Charles Albert IIIDirectorJun 18 '26Buy12.507,00087,500103,000Jun 22 07:03 PM
LUCAS JAMES A JRDirectorJun 18 '26Buy12.5016,000200,000439,884Jun 22 07:03 PM
LUCAS JAMES A JRDirectorJun 18 '26Buy12.503,18039,75052,860Jun 22 07:03 PM
Gussenhoven John WalterDirectorJun 18 '26Buy12.5016,000200,000334,016Jun 22 07:03 PM
Floyd Gregory EveretteDirectorJun 18 '26Buy12.5018,750234,375152,990Jun 22 07:03 PM
Floyd Gregory EveretteDirectorJun 18 '26Buy12.509,875123,43843,375Jun 22 07:03 PM
Ferebee John Jethro JrDirectorJun 18 '26Buy12.517,10088,8007,100Jun 22 07:02 PM
Ferebee John Jethro JrDirectorJun 18 '26Buy12.507,00087,500300,176Jun 22 07:02 PM
Suiter Overton Stokes IIIChief Credit Officer of BankJun 18 '26Buy12.501,10013,75084,100Jun 22 07:02 PM
Pritchard Patrick WayneChief Info. Officer of BankJun 18 '26Buy12.501,00012,50050,000Jun 22 07:02 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
IWCiShares Micro-Cap ETFAUM: 1.22B
IWOiShares Russell 2000 Growth ETFAUM: 14.06B
AIMSAcuitas Small Cap Active ETFAUM: 82.88M
VFMVVanguard U.S. Minimum Volatility ETFAUM: 508.65M
VTWVVanguard Russell 2000 Value Index ETFAUM: 1.29B

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-270.2600.2230.26034.7836.033
2026Q22026-07-300.2000.2060.20232.2634.113
2026Q12026-06-030.239-0.19533.11--
2026Q4--0.257--37.263
2027Q1--0.309--39.173
2027Q2--0.314--40.193
2027Q3--0.382--43.033
2027Q4--0.397--44.083
2028Q1--0.392--44.463
2028Q2--0.386--45.053
2028Q3--0.451--48.233
2028Q4--0.469--49.433

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
No annual earnings.

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0231237.2636.4237.90
2026Q4S2026-10-3032037.7637.1738.20
2026Q4S2026-10-2831037.6237.1738.20
2026Q4S2026-10-2731037.6237.1738.20
2026Q4S2026-10-0231037.6237.1738.20
2026Q4S2026-08-0530037.4437.1737.65
2026Q4S2026-08-0330037.5137.1737.70
2026Q4S2026-07-3030037.6037.4737.70
2026Q4S2026-07-1630037.6337.4737.72
2026Q4S2026-07-0920037.5937.4737.72
2026Q4S2026-07-0810037.4737.4737.47
2026Q4R2026-11-023210.260.230.27
2026Q4R2026-10-303200.260.250.27
2026Q4R2026-10-283100.250.240.27

Estimate history

EPS, annual0.6490.6910.403
Period202320242025
EPS, quarterly0.1950.2020.256
PeriodQ1 '26Q2 '26Q3 '26
Sales, annual137.973181.561232.675
Period202320242025
Sales, quarterly53.38253.52156.279
PeriodQ1 '26Q2 '26Q3 '26
Shares, annual30.24630.24630.24631.07
Period202320242025MRQ
Shares, quarterly30.24631.06931.07
PeriodQ1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY
Interest Income49.56189.43176.09135.57
Total Interest Expense21.5090.9984.5369.69
Net Interest Income28.0698.4491.5665.88
Loan Loss Provision-1.038.54-1.771.30
Net Interest Income After Loan Loss Provision29.0989.9093.3364.58
Non-Interest Income6.7243.245.472.41
Non-Interest Expense25.81107.2372.3642.29
Operating Income10.0025.9126.4424.70
Unusual Expense-10.360.000.00
Net Income Before Taxes10.0015.5526.4424.70
Income Taxes2.113.355.535.07
Consolidated Net Income7.9012.2020.9119.63
Net Income From Continuing Operations7.9012.2020.9119.63
Net Income7.9012.2020.9119.63
EPS (Recurring)-0.640.690.65
EPS (Basic, Before Extraordinaries)0.260.400.690.65
EPS (Diluted)0.260.400.690.65
Non-Operating Income (Expense)-0.000.000.00
Other After Tax Adjustments-0.000.000.00
Stock Option Compensation Expense-2.722.251.77
Operating Margin-11.1414.5617.90
Net Margin-5.2411.5214.23
Shares Outstanding31.0730.2530.2530.25
Market Capitalization418.20418.20--

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q1
Interest Income49.5646.8545.74
Total Interest Expense21.5021.2620.21
Net Interest Income28.0625.5925.53
Loan Loss Provision-1.030.27-0.40
Net Interest Income After Loan Loss Provision29.0925.3225.93
Non-Interest Income6.726.677.64
Non-Interest Expense25.8124.0724.89
Operating Income10.007.928.67
Unusual Expense-1.431.34
Net Income Before Taxes10.006.497.33
Income Taxes2.111.391.42
Consolidated Net Income7.905.105.91
Net Income From Continuing Operations7.905.105.91
Net Income7.905.105.91
EPS (Recurring)-0.240.23
EPS (Basic, Before Extraordinaries)0.260.210.20
EPS (Diluted)0.260.200.20
Non-Operating Income (Expense)-0.000.00
Other After Tax Adjustments-0.000.00
Stock Option Compensation Expense-0.910.65
Operating Margin17.7714.8016.25
Net Margin14.039.5211.07
Shares Outstanding31.0731.0730.25
Market Capitalization418.20400.45393.20

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY
Cash & Due from Banks134.12168.06160.97
Investments317.82172.92203.68
Net Loans2,627.282,573.422,211.55
Investment in Unconsolidated Affiliates0.000.000.00
Customer Liability on Acceptances0.000.000.00
Net Property, Plant & Equipment51.6742.8040.75
Interest Receivables10.6210.058.96
Deferred Tax Assets29.2210.7112.37
Other Intangible Assets150.8564.8390.91
Total Assets3,321.593,042.782,729.20
Total Deposits2,795.672,508.422,360.74
Total Debt145.82171.0471.95
Long Term Debt69.44169.9171.95
Provision for Risks Charges3.794.317.62
Deferred Tax Liabilities4.083.443.82
Other Liabilities25.3018.2516.69
Total Liabilities2,974.662,705.462,460.82
Preferred Stock - Carrying Value0.000.000.00
Common Equity346.93337.32268.37
Total Shareholders Equity346.93337.32268.37
Accumulated Minority Interest0.000.000.00
Total Equity346.93337.32268.37
Total Liabilities & Stockholders Equity3,321.593,042.782,729.20
Book Value Per Share11.4711.158.87
Tangible Book Value Per Share9.1411.098.81
Full-Time Employees274--
Price to Book Ratio0.97--
Return on Assets0.380.72-
Return on Equity3.576.91-
Return on Invested Capital2.934.125.77
Current Ratio0.090.080.25

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY
Funds from Operations-31.3723.5822.92
Extraordinary Item-0.000.000.00
Changes in Working Capital-4.5538.07-53.61
Cash from Operating Activities-35.9261.65-30.69
Capital Expenditures--21.10-14.99-7.07
Net Assets From Acquisitions--96.720.000.00
Sale of Fixed Assets and Businesses-0.000.000.00
Purchase or Sale of Investments--146.5634.06-51.05
Purchase of Investments--495.08-61.22-75.81
Sale Or Maturity of Investments-348.5195.2824.76
Federal Home Loan Advances Increase (Decrease)--1.43-2.813.48
Other Uses-0.000.000.00
Other Sources-0.000.000.00
Cash from Investing Activities--322.96-347.16-524.27
Cash Dividends Paid-0.000.000.00
Preferred Dividends (Cash Flow)-0.000.000.00
Change in Capital Stock--7.0544.81-0.04
Repurchase of Common Pref Stock--7.040.00-0.04
Sale of Common Pref Stock--0.0144.810.00
Proceedsfrom Stock Options--0.0144.810.00
Issuance or Reduction of Debt, Net--25.00100.00-100.00
Change in Long Term Debt-0.000.000.00
Issuance of Long Term Debt-0.000.000.00
Reduction of Long Term Debt-0.000.000.00
Net Financing Active Other Cash Flow-0.000.110.11
Other Financing Activities Uses-0.000.000.00
Cash from Financing Activities-253.09292.60585.89
Net Change in Cash--33.947.0830.93
Free Cash Flow-32.0356.89-37.76

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q1
Cash & Due from Banks237.37118.82190.32
Investments321.51330.08334.00
Net Loans2,875.332,720.492,663.35
Investment in Unconsolidated Affiliates-0.000.00
Net Property, Plant & Equipment41.0648.4750.21
Interest Receivables-0.000.00
Deferred Tax Assets25.7424.0524.09
Other Intangible Assets169.61164.02156.40
Total Assets3,670.623,405.933,418.38
Total Deposits3,163.032,830.722,966.59
Total Debt31.65120.3070.56
Long Term Debt31.6568.9069.17
Provision for Risks Charges2.232.493.16
Other Liabilities41.0322.7624.70
Total Liabilities3,237.952,976.283,065.02
Preferred Stock - Carrying Value0.000.000.00
Common Equity432.67429.65353.35
Total Shareholders Equity432.67429.65353.35
Accumulated Minority Interest-0.000.00
Total Equity432.67429.65353.35
Total Liabilities & Stockholders Equity3,670.623,405.933,418.38
Book Value Per Share13.9313.8311.68
Tangible Book Value Per Share11.7311.619.38
Full-Time Employees271-263
Price to Book Ratio0.971.131.11
Return on Invested Capital1.701.021.40
Current Ratio0.180.050.09

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q1
Funds from Operations-8.228.97
Extraordinary Item-0.000.00
Changes in Working Capital--2.134.34
Cash from Operating Activities-6.0913.31
Capital Expenditures--9.01-0.26
Net Assets From Acquisitions-0.000.00
Sale of Fixed Assets and Businesses-0.000.00
Purchase or Sale of Investments-6.61-19.84
Purchase of Investments--10.00-119.23
Sale Or Maturity of Investments-16.6199.39
Other Uses-0.000.00
Other Sources-0.000.00
Cash from Investing Activities--62.85-53.03
Cash Dividends Paid-0.000.00
Preferred Dividends (Cash Flow)-0.000.00
Change in Capital Stock-71.14-0.00
Repurchase of Common Pref Stock--0.04-0.00
Sale of Common Pref Stock-71.180.00
Proceedsfrom Stock Options-71.180.00
Issuance or Reduction of Debt, Net-50.00-75.00
Change in Long Term Debt-0.000.00
Issuance of Long Term Debt-0.000.00
Reduction of Long Term Debt-0.000.00
Net Financing Active Other Cash Flow-0.000.00
Other Financing Activities Uses-0.000.00
Cash from Financing Activities--14.7495.92
Net Change in Cash--71.5056.21
Free Cash Flow-6.1113.05

Revenue breakdown

Revenue split-

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.09%0.3M23.6M166.04K
2026-10-151.13%0.3M23.6M146.11K
2026-09-300.75%0.2M23.6M146.47K
2026-09-150.36%0.1M23.6M107.29K
2026-08-310.36%0.1M23.6M102.67K
2026-08-140.27%0.1M23.4M103.72K
2026-07-310.13%0.0M24.1M107.08K
2026-07-150.04%0.0M24.1M141.30K
2026-06-300.01%0.0M24.1M183.65K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-10-278-KCurrent report2026-10-27SEC
2026-09-188-KCurrent report2026-09-14SEC
2026-08-1410-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-308-KCurrent report2026-07-30SEC
2026-07-163Initial statement of beneficial ownership of securities2026-07-16SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-228-KCurrent report2026-06-17SEC
2026-06-18424B4SEC
2026-06-18S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-06-17EFFECTEffectiveness filing by commission orderSEC
2026-06-173Initial statement of beneficial ownership of securities2026-06-17SEC
2026-06-173Initial statement of beneficial ownership of securities2026-06-17SEC
2026-06-173Initial statement of beneficial ownership of securities2026-06-17SEC
2026-06-173Initial statement of beneficial ownership of securities2026-06-17SEC
2026-06-173Initial statement of beneficial ownership of securities2026-06-17SEC
2026-06-173Initial statement of beneficial ownership of securities2026-06-17SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-061.66M1800
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BANC FUNDS CO LLC4.56%
WELLINGTON MANAGEMENT GROUP LLP3.90%
MENDON CAPITAL ADVISORS CORP2.31%
Curi Capital, LLC2.12%
M3F, Inc.2.12%
ENDEAVOUR CAPITAL ADVISORS INC1.54%
ADAGE CAPITAL PARTNERS GP, L.L.C.1.41%
EMERALD MUTUAL FUND ADVISERS TRUST1.33%
Fourthstone LLC1.25%
GENERAL AMERICAN INVESTORS CO INC0.67%

Funds

Fund% owned
RMB Mendon Financial Services Fund2.12%
Emerald Growth Fund1.22%
Emerald Finance & Banking Innovation Fund0.11%
Acuitas Small Cap Active ETF0.04%

OakChart. FCBM. Cached 15 minutes.

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