Stocks · Financial Services · Banks - Regional
First Carolina Financial Services FCBM
$12.66 +0.80% Close, Oct 2, 2026 · NYSE · Market cap $382.9M
Low risk
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 34%
How cheap the shares are relative to earnings, cash flow and their own history.
Strength and persistence of the price trend, including versus the S&P 500.
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 22%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetBottom 47%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 22%
- Maximum drawdown, 3 yearsTop 16%
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Return on invested capital | 0.3% | — | Bottom 34% |
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 0 of 1
- Average EPS surprise, last 4
- -3.0%
- Average 2-day reaction, last 8
- +1.0%
- Positive 20 days after report
- 1 of 1
Analysts
- Consensus price target
- $14.50
- Target vs current price
- +14.5%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | -3.0% | +1.0% | +1.9% | +2.4% | — |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.20 | $0.21 | -3.0% | $32.3M |
| May 22, 2026 | $0.24 | — | — | $33.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 13.3× | — | — | — |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- 50-day average slope (20 days)
- -0.1%
- Distance from 50-day average
- -0.1%
- RSI (14)
- 47.7
- Relative volume
- 0.32×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 13.2%
- Current drawdown from 1-year high
- -4.4%
- Maximum drawdown, 3 years
- -6.6%
Financial statements
- Market cap
- $382.9M
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Revenue | $63.1M | $71.5M | $212.0M |
| Gross profit | $63.1M | $71.5M | $112.4M |
| Operating income | $0 | $0 | $15.6M |
| Net income | $19.6M | $20.9M | $12.2M |
| EPS (diluted) | $0.65 | $0.69 | $0.40 |
| Q1 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|
| Revenue | $31.5M | $50.7M | $53.5M |
| Net income | $4.7M | $5.9M | $5.1M |
| EPS (diluted) | $0.16 | $0.20 | $0.20 |
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Operating cash flow | -$30.7M | $61.9M | $35.9M |
| Capital expenditure | -$7.1M | -$4.8M | -$3.9M |
| Free cash flow | -$37.8M | $57.2M | $32.0M |
| Dividends paid | $0 | $0 | $0 |
| Net share buybacks | -$44,000 | $44.8M | -$7.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $118.8M
- Total assets
- $3.41B
- Total liabilities
- $2.97B
- Total debt
- $113.5M
- Net debt
- -$5.3M
- Shareholders’ equity
- $431.2M
As of Jun 30, 2026 (filed Aug 14, 2026).
Short interest
- Shares sold short
- 84,488
- Days to cover
- 1.00
- Change vs previous report
- +0.2%
FINRA short interest, settlement date Sep 15, 2026.