Insider buying last 90 days
No open-market insider purchases were filed for FBNC in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every FBNC insider filing, plotted on the chart in Gekko.Open FBNC in Gekko
NASDAQ: FBNC
First Bancorp (FBNC) Stock Analysis & Forecast
Oct 12 close
$59.57+0.40 (+0.7%)
Gekko Brief
AI summaryOct 12 closeFirst Bancorp's week is dominated by a proposed stock-and-cash merger with First Carolina Bancshares Corporation, which would create a combined bank with over $13.8 billion in assets and 127 branches, expected to close in the first quarter of 2027. Alongside the deal news, Raymond James downgraded the stock from Strong Buy to Outperform, citing a less favorable risk-reward profile after its recent rally, and trimmed its price target to $71.00 from $72.00. Coverage remains mixed, with an average Hold rating and a consensus price target of $67.94 cited in one report.
Shares close at $59.57, up 0.7%, sitting between the 50-day average of $63.51 and the 200-day average of $59.92, reflecting a mixed trend with the averages in disagreement. The GekkoIndex reads 65.6, placing the stock in the Accumulation zone, while Gekko Fair Value stands at $65.83, putting price 9.5% below that level.
The next earnings date falls on 28 October 2026, 16 days away and inside a typical 20-trading-day holding window, following a prior quarter where EPS of $1.19 beat the $1.04 estimate and the stock moved 5.5% afterward. No insider or Congress activity over the past 90 days or unusual options signals over the past 30 days appear in current data. Seasonality shows the next 20 trading days averaging an 8.9% return across 5 years, rising in 4 of them. Analyst consensus carries 2 buy and 1 hold ratings, with a consensus target of $69.2, implying 16.2% upside.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
First Bancorp price vs fair value
Close $59.57200-day averageGekko Fair Value $65.83
First Bancorp quick facts
- Market cap
- $2.46B
- P/E ratio
- 18.6
- Forward P/E
- 14.6
- EPS, TTM
- $3.22
- Revenue, TTM
- $410.7M
- Profit margin
- 32.4%
- Dividend yield
- 1.60%
- Beta
- 0.86
- Volume
- 133,049 avg 253,787
- 1-year return
- +18.3%
- Typical daily move
- ±2.4%
- Typical 20-day move
- ±5.7%
- 50-day average
- $63.51
- 200-day average
- $59.92
- Next earnings
- Oct 28
- Shares outstanding
- 41.40M
First Bancorp swing-trade checklist
First Bancorp scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $59.57 sits between the 50-day ($63.51) and 200-day ($59.92) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
65.6, Accumulation
Reading 65.6 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
9.5% below
Price is 9.5% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 16 days
Reports on Oct 28, 2026, 16 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+8.9% on average
From this point in the calendar, the next 20 trading days averaged +8.9% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
First Bancorp stock chart and price history
First Bancorp closed at $59.57 on Oct 12, 2026, +18.3% over the past year, inside a 52-week range of $45.96 to $66.78.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −7.4%
- 3 months
- −6.9%
- 6 months
- +0.9%
- 1 year
- +18.3%
The full FBNC chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open FBNC in Gekko
Follow First Bancorp through every session
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About First Bancorp
First Bancorp serves as the holding company for First Bank, which supplies banking services to individual customers as well as small and medium-sized businesses. It is recognized for the breadth of its offerings, spanning everyday deposit accounts, term savings products, and a wide range of consumer and commercial lending, including mortgages, SBA loans, and financing tied to real estate, vehicles, and home improvements.
Beyond standard banking, First Bank extends into specialized commercial funding such as factoring, inventory financing, and accounts receivable financing, alongside cards, letters of credit, and safe deposit boxes. Customers can also manage accounts through online, mobile, and telephone banking, use remote deposit and wire transfer services, and access investment and insurance products like mutual funds, annuities, and various insurance policies, plus retirement and financial planning assistance. The bank operates primarily across North Carolina and the northeastern part of South Carolina, with the bulk of its branch network concentrated in North Carolina.
First Bancorp traces its founding to 1934 and keeps its headquarters in Southern Pines, North Carolina. Its shares trade on the NASDAQ under the ticker FBNC.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Regional banks
- Website
- localfirstbank.com
First Bancorp GekkoIndex: the smart money zone
First Bancorp’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.6, in the Accumulation zone, up 2.5 points over five sessions.
65.6Accumulation
Up 2.5 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 24 | +3.5% | +6.7% | ||
| Accumulation (current zone) | 183 | 0.0% | +2.9% | ||
| Neutral | 425 | +0.6% | +1.4% | ||
| Distribution | 42 | +0.5% | +3.6% | ||
| Selling | 8 | Too few readings yet | |||
Average FBNC share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the FBNC price, zone by zone.Track FBNC in Gekko
Is First Bancorp stock overvalued? Gekko Fair Value
First Bancorp trades 9.5% below Gekko Fair Value of $65.83, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what First Bancorp shares are worth, recalculated every trading day.
$65.83
Gekko Fair Value, Oct 10, 2026
9.5% Undervalued
At the end of Aug 2026 the price was 6.1% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open FBNC in Gekko
First Bancorp insider and Congress trading
No open-market insider purchases were filed for First Bancorp, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in FBNC were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for FBNC, plotted on the chart in Gekko.Open FBNC in Gekko
Buybacks
First Bancorp has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $2.12M
- As a share of market cap
- 0.09%
From company filings.
First Bancorp earnings: next date and track record
First Bancorp reports on Oct 28, 2026 (16 days away), and beat the EPS estimate in 6 of its last 8 reports.
Next earnings report
Oct 28, 2026
16 days away
- EPS estimate
- $1.18
- Revenue estimate
- $130.0M
6 of 8reports beat the EPS estimate
±5%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jan 21, 2026 | $1.19 est $1.04 | $83.90M est $122.4M | +5.5% |
| Oct 22, 2025 | $1.01 est $0.85 | $127.9M est $113.7M | −2.3% |
| Jul 23, 2025 | $0.93 est $0.88 | $109.4M est $113.5M | +5.1% |
| Apr 23, 2025 | $0.84 est $0.78 | $104.6M est $107.6M | +5.6% |
| Jan 29, 2025 | $0.76 est $0.74 | $107.3M est $101.1M | −1.2% |
| Oct 23, 2024 | $0.70 est $0.70 | $94.87M est $97.86M | −1.7% |
| Jul 24, 2024 | $0.70 est $0.60 | $95.72M est $93.80M | +11.3% |
| Apr 24, 2024 | $0.61 est $0.63 | $90.75M est $95.87M | −7.5% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
First Bancorp stock forecast and analyst price targets
Analysts’ average 12-month price target for First Bancorp is $69.20, +16.2% from the last close, from 3 firms rating the stock in the last 90 days.
$69.20consensus 12-month target, +16.2% from the last close
Now $59.57Avg $69.20
Low $65High $71
Each firm’s latest rating in the last 90 days: 3 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 6 | Raymond James | $71 | +19.2% |
| Aug 4 | KBW | $70 | +17.5% |
| Jul 29 | Piper Sandler | $65 | +9.1% |
| Jul 16 | Raymond James | $75 | +25.9% |
| Jul 15 | Piper Sandler | $64 | +7.4% |
+2.9%average 20-day move after past Accumulation readings
+8.9%average move over the next 20 trading days in the last 5 years
±2.4%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
First Bancorp seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, First Bancorp averaged +8.9% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.5% | 3 of 5 |
| Next 10 trading days | −0.3% | 2 of 5 |
| Next 15 trading days | +4.1% | 4 of 5 |
| Next 20 trading days | +8.9% | 4 of 5 |
| Next 30 trading days | +8.4% | 4 of 5 |
For scale, FBNC’s typical 20-trading-day move in either direction is about 5.7%.
First Bancorp market cap and key statistics
First Bancorp’s market cap is $2.46B, with a P/E ratio of 18.6 and revenue of $410.7M over the last twelve months.
Valuation
- Market cap
- $2.46B
- P/E ratio
- 18.6
- Forward P/E
- 14.6
- EPS, TTM
- $3.22
- Gekko Fair Value
- $65.83
Trading
- Volume
- 133,049
- Avg volume, 20 days
- 253,787
- 52-week high
- $66.78
- 52-week low
- $45.96
- Shares outstanding
- 41.40M
Financials
- Revenue, TTM
- $410.7M
- Profit margin
- 32.4%
- Return on equity
- 8.1%
- Quarterly earnings growth, YoY
- +31.2%
Risk and income
- Beta
- 0.86
- Typical daily move
- ±2.4%
- Typical 20-day move
- ±5.7%
- Dividend yield
- 1.60%
First Bancorp stock news this week
Coverage of First Bancorp this week reads neutral: 3 positive, 7 neutral and 1 negative headlines.
- First BanCorp's rising dividend depends on Puerto Rico's economy despite auto loan risks and volatile deposits.Pluang, Oct 8
- A 127-branch bank would result from First Bancorp (FBNC)'s proposed stock-and-cash merger.Stock Titan, Oct 8
- BofA Securities Adjusts First Bancorp Price Target to $30 From $31marketscreener.com, Oct 8
- First Bancorp NC Price Target Cut to $71.00/Share From $72.00 by Raymond JamesMoomoo, Oct 7
- The First Bancorp stock fell 1.34 percent before its dividend paymentAD HOC NEWS, Oct 7
- First Bancorp Shares Fall After Raymond James DowngradeMoomoo, Oct 6
First Bancorp peers
First Bancorp’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 5.7% below |
| USBU.S. Bancorp | Accumulation | 11.0% below |
| NUNu | Neutral | 0.7% below |
| TFCTruist Financial | Accumulation | 9.6% below |
| FITBFifth Third Bancorp | Accumulation | 11.2% below |
| MTBM&T Bank | Accumulation | 9.1% below |
A peer links to its own page where one exists.
First Bancorp stock FAQ
What is First Bancorp’s market cap?
First Bancorp’s market cap is $2.46B at the Oct 12, 2026 close of $59.57, with 41.40M shares outstanding. The shares trade on a P/E ratio of 18.6.
What is the First Bancorp stock forecast?
The consensus analyst 12-month price target for First Bancorp is $69.20, +16.2% from the last close. Of the 3 firms that rated the stock in the last 90 days, 2 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is First Bancorp stock overvalued or undervalued?
On Gekko’s estimate First Bancorp is undervalued: the Oct 12, 2026 close of $59.57 is 9.5% below Gekko Fair Value of $65.83. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does First Bancorp report earnings next?
First Bancorp is expected to report on Oct 28, 2026 (16 days away). Analysts expect earnings of $1.18 per share on revenue of $130.0M. First Bancorp beat the earnings estimate in 6 of its last 8 reports, moving 5% on average across the report.
What is First Bancorp’s 52-week high and low?
First Bancorp’s 52-week high is $66.78 and its 52-week low is $45.96; it closed at $59.57 on Oct 12, 2026, +18.3% over the past year.
Is First Bancorp stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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