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First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses in the United States. The company offers business services including checking, savings, and money market deposit accounts, certificates of deposit, individual retirement accounts, and CARS; commercial financing, real estate loans, and consumer loans; credit and debit cards; IntraFi Cash, remote deposit capture, treasury management, merchant services, and wealth management services; higher education solutions, attorney advantage accounts, and interest on lawyer trust accounts; payments services; consumer banking; real estate banking; commercial and industrial banking; higher education disbursements; BankMobile platform; retail banking; and trust and fiduciary services. The company offers personal services that include deposit solutions such as checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and IRAs; services such as ICS and CARS for deposit management; borrowing options including consumer loans and credit cards; online banking and bill pay services; and debit cards. The company was incorporated in 2009 and is headquartered in Raleigh, North Carolina. more
| Dec '23 | Dec '24 | Dec '25 | ||||
|---|---|---|---|---|---|---|
| Total Revenue | 63.06M | 71.53M | 211.96M | [{"date":"2023-12-31","value":29.75,"profit":true},{"date":"2024-12-31","value":33.75,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] | ||
| Cost of Revenue | - | - | 99.53M | [{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":100,"profit":true}] | ||
| Gross Profit | 63.06M | 71.53M | 112.43M | [{"date":"2023-12-31","value":56.09,"profit":true},{"date":"2024-12-31","value":63.63,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] | ||
| Gross Margin | 100.00% | 100.00% | 53.04% | [{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":53.04,"profit":true}] | ||
| Operating Expenses | - | - | 96.87M | [{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":100,"profit":true}] | ||
| Operating Income | - | - | 15.55M | [{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":100,"profit":true}] | ||
| Total Non-Operating Income/Expense | 90.58M | 117.75M | - | [{"date":"2023-12-31","value":76.92,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] | ||
| Pre-Tax Income | 24.70M | 26.44M | 15.55M | [{"date":"2023-12-31","value":93.41,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":58.83,"profit":true}] | ||
| Income Taxes | 5.07M | 5.53M | 3.35M | [{"date":"2023-12-31","value":91.71,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":60.67,"profit":true}] | ||
| Income After Taxes | 19.63M | 20.91M | 12.20M | [{"date":"2023-12-31","value":93.86,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":58.34,"profit":true}] | ||
| Income From Continuous Operations | 19.63M | 20.91M | 12.20M | [{"date":"2023-12-31","value":93.86,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":58.34,"profit":true}] | ||
| Income From Discontinued Operations | - | - | - | [{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] | ||
| Net Income | 19.63M | 20.91M | 12.20M | [{"date":"2023-12-31","value":93.86,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":58.34,"profit":true}] | ||
| EPS (Diluted) | - | - | - | [{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] | ||
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| FCBM | |
|---|---|
| ROA (LTM) | 0.00% |
| ROE (LTM) | 0.00% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| FCBM | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.90 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.10 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| FCBM | |
|---|---|
| Trailing PE | 28.98 |
| Forward PE | NM |
| P/S (TTM) | 2.88 |
| P/B | 1.09 |
| Price/FCF | 30 |
| EV/R | 3.23 |
| EV/Ebitda | NM |
First Carolina Financial Services, Inc. (FCBM) share price today is $13
Yes, Indians can buy shares of First Carolina Financial Services, Inc. (FCBM) on Vested. To buy
Yes, you can purchase fractional shares of First Carolina Financial Services, Inc. (FCBM) via the Vested app. You can start investing in First Carolina Financial Services, Inc. (FCBM) with a minimum investment of $1.
You can invest in shares of First Carolina Financial Services, Inc. (FCBM) via Vested in three simple steps:
The 52-week high price of First Carolina Financial Services, Inc. (FCBM) is $13.25. The 52-week low price of First Carolina Financial Services, Inc. (FCBM) is $12.51.
The price-to-earnings (P/E) ratio of First Carolina Financial Services, Inc. (FCBM) is 28.9773
The price-to-book (P/B) ratio of First Carolina Financial Services, Inc. (FCBM) is 1.09
The dividend yield of First Carolina Financial Services, Inc. (FCBM) is 0.00%
The market capitalization of First Carolina Financial Services, Inc. (FCBM) is $385.63M
The stock symbol (or ticker) of First Carolina Financial Services, Inc. is FCBM
Consider the share price of First Carolina Financial Services, Inc. as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether First Carolina Financial Services, Inc. has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in First Carolina Financial Services, Inc. shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the First Carolina Financial Services, Inc. stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of First Carolina Financial Services, Inc. and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that First Carolina Financial Services, Inc. stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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