TORVANTA
Other · S&P 500 · data as of 2026-10-05

FBNC stock analysis: FBNC

FBNC (FBNC) is an S&P 500 company in Other.

The model's view of FBNC · subscribers

Where FBNC ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with FBNC · updated 2026-10-05 · from prices and SEC filings

FBNC price performance

FBNC against the S&P 500, one year
+0%+20%FBNC +19%S&P 500 +18%2025-09-292026-10-05
Year to date+23.1%S&P 500 +14.5% · ahead by 8.6 pts
1 year+20.1%S&P 500 +17.0% · ahead by 3.0 pts
3 years+136.0%S&P 500 +89.3% · ahead by 46.8 pts
5 years+56.8%S&P 500 +91.3% · behind by 34.6 pts

Total returns with dividends reinvested.

FBNC factor grades

Each grade compares FBNC with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

B-ValueP/E 19.2x (industry 20.1x)FCF yield 8.9% (industry 6.0%)
B-GrowthEPS growth +38% (industry +10%)
–Profitability
BMomentum12-month change +20%From 52-wk high -6%

FBNC key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$2.6B
Revenue growth (y/y)n/a
Free-cash-flow yield8.9%
Dividend yield1.5%
Next earnings (expected)2026-10-21
Valuation measures
Market value$2.6B
Enterprise value$2.1B
P/E (trailing)19.2x
Forward P/E (Torvanta estimate)17.1x
PEG (Torvanta estimate)1.44
Price / book1.5x
Financial highlights
Net income, last 12 months$133.3M
EPS, last 12 months (GAAP)$3.22
Return on equity8.1%
Cash$550.3M
Total debt$74.7M
Debt / equity0.04x
Free cash flow, last 12 months$227.0M

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

FBNC earnings trends

Revenue vs earnings
$0$12.6M$25.3M$37.9M$50.5MSep 2024 Net income: $18.7MDec 2024 Net income: $3.6MMar 2025 Net income: $36.4MJun 2025 Net income: $38.6MSep 2025 Net income: $20.4MDec 2025 Net income: $15.7MMar 2026 Net income: $46.7MJun 2026 Net income: $50.5MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ Revenue ■ Net income ━ Net margin
Earnings per share$0.0$0.3$0.6$0.9$1.2Sep 2024 EPS (GAAP, diluted): $0.5Dec 2024 EPS (GAAP, diluted): $0.1Mar 2025 EPS (GAAP, diluted): $0.9Jun 2025 EPS (GAAP, diluted): $0.9Sep 2025 EPS (GAAP, diluted): $0.5Dec 2025 EPS (GAAP, diluted): $0.4Mar 2026 EPS (GAAP, diluted): $1.1Jun 2026 EPS (GAAP, diluted): $1.2Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Sep 2025 +9% · Dec 2025 +375% · Mar 2026 +28% · Jun 2026 +31%

From the company's 10-Q and 10-K filings with the SEC.

FBNC financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Net income$95.6M$146.9M$104.1M$76.2M$111.0M
EPS (GAAP)$3.19$4.12$2.53$1.84$2.68
Free cash flow$129.5M$225.4M$127.0M$172.1M$198.9M

FBNC earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-07-22$1.22+31%n/a-0.5%
2026-04-22$1.13+28%n/a+0.0%
2026-01-21$0.38+375%n/a+3.9%
2025-10-22$0.49+9%n/a-2.4%
2025-07-23$0.93+33%n/a+4.2%
2025-04-23$0.88+44%n/a+1.9%

About FBNC

HeadquartersSouthern Pines, NC
Industry (SEC code)State Commercial Banks
Fiscal year endsDecember 31
Incorporated inNC
Listed onNasdaq

From the company's SEC registration record.

Companies similar to FBNC

CompanyMarket valueP/ERevenue growthOperating margin12-month change
FBNC FBNC$2.6B19.2xn/an/a+20%
NOG NOG$2.6Bn/a-26%-24.1%+4%compare
GPK GPK$2.5B13.0x+0%5.8%-54%compare
CALY CALY$2.5Bn/a-27%8.7%+44%compare
KALU KALU$2.5B11.6x+33%8.2%+103%
FIVN FIVN$2.6B49.8x+9%4.7%+51%
EZPW EZPW$2.5B15.4x+29%13.9%+68%

All Other stock ratings

Frequently asked questions

Is FBNC stock a buy?

Torvanta does not tell individuals what to buy. Its grades for FBNC are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is FBNC's P/E ratio?

FBNC trades at about 19.2 times its last 12 months of GAAP earnings reported to the SEC, and about 17.1 times Torvanta's own estimate of the next 12 months.

When does FBNC report earnings next?

Based on its filing history, Torvanta expects FBNC to report around 2026-10-21.

Does FBNC pay a dividend?

Yes. Its dividend yield is about 1.5%, and it has raised its dividend 1 years in a row.

How has FBNC performed against the S&P 500?

Over the past year FBNC returned +20.1%, against +17.0% for the S&P 500, dividends reinvested.

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Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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