First Carolina Financial Services (FCBM) Stock Price, News & Analysis

Company Overview

First Carolina Financial Services, Inc. is a bank holding company associated with First Carolina Bank, a community banking institution based in North Carolina. The company focuses on serving businesses, individuals and organizations through relationship-oriented banking services.

First Carolina Bank’s offerings include business and personal checking and savings accounts, commercial and consumer lending, mortgage-related financing, cash-management services, online and mobile banking, and other traditional banking products. Its commercial banking activities support small and medium-sized businesses with loans, deposits and treasury-management solutions.

The company serves customers in North Carolina through its community banking operations, with an emphasis on local decision-making and personalized service. Information about its current executive leadership and detailed corporate history was not available from reliable sources.

Key Stats

• Today's Range: $12.66 to $12.83
• 50-Day Range: $12.51 to $13.02
• 52-Week Range: $12.17 to $13.40
• Volume: 100,394 shs
• Average Volume: 270,911 shs
• Market Capitalization: $396.14 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $14.50
• Consensus Rating: Moderate Buy

First Carolina Financial Services Stock Analysis - MarketRank™

First Carolina Financial Services scored higher than 59% of companies evaluated by MarketBeat, and ranked 562nd out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.9 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

First Carolina Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 strong buy rating, 1 buy rating, 1 hold rating, and 1 sell rating.

Upside Potential

First Carolina Financial Services has a consensus price target of $14.50, representing about 13.7% upside from its current price of $12.75.

Amount of Analyst Coverage

First Carolina Financial Services has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 47.37%

Earnings Growth

Earnings for First Carolina Financial Services are expected to grow by 47.37% in the coming year, from $0.95 to $1.40 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Carolina Financial Services is 63.75, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 38.94.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Carolina Financial Services is 63.75, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 24.70.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.57% of the float of First Carolina Financial Services has been sold short.

Short Interest Ratio / Days to Cover

First Carolina Financial Services has a short interest ratio ("days to cover") of 0.45, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Carolina Financial Services has recently increased by 108.93%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

First Carolina Financial Services does not currently pay a dividend.

Dividend Growth

First Carolina Financial Services does not have a long track record of dividend growth.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.25

News Sentiment

First Carolina Financial Services has a news sentiment score of 0.25. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for First Carolina Financial Services this week, compared to 2 articles on an average week.

Company Ownership

• Score: N/A
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Carolina Financial Services insiders have not sold or bought any company stock.

Percentage Held by Institutions

First Carolina Financial Services has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 7/30/2026
• Today: 10/13/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:FCBM
• CIK: 1531193
• Web: www.firstcarolinabank.com
• Phone: 252-937-2152
• Fax: N/A
• Employees: 263
• Year Founded: N/A

Price Target and Rating

• Average Price Target for First Carolina Financial Services: $14.50
• High Price Target: $15.00
• Low Price Target: $14.00
• Potential Upside/Downside: +13.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 63.75
• Forward P/E Ratio: 13.42
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: 0.15
• Current Ratio: 0.98
• Quick Ratio: 0.98

Sales & Book Value

• Annual Sales: $128.83 million
• Price / Sales: 3.07
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 31,069,000
• Free Float: N/A
• Market Cap: $396.13 million
• Optionable: N/A
• Beta: N/A