First Carolina Financial Services
First Carolina Financial Services
Your view on FCBM
Overview
What the company does, where it operates, and who runs it.
About First Carolina Financial Services
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Ronald A. Day
- Headquarters
- 2626 Glenwood Ave, Raleigh, NC, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Ronald A. Day
- Headquarters
- 2626 Glenwood Ave, Raleigh, NC, US
First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses.
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 with additional offices in Atlanta, Georgia; Cary, North Carolina; Columbia and Greenville, South Carolina; Raleigh, Reidsville, and Wilmington, North Carolina; and Virginia Beach, Virginia.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for First Carolina Financial Services, and the rating behind it. FCBM last traded at $12.68, 31.7× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for First Carolina Financial Services. Starting points for First Carolina Financial Services: P/E 31.7, EPS $0.44, beta 1.24 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for First Carolina Financial Services. First Carolina Financial Services does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for First Carolina Financial Services. Trailing twelve-month EPS for First Carolina Financial Services stands at $0.44. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for First Carolina Financial Services. First Carolina Financial Services has reported as a listed company since 2026. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
First Carolina Financial Services valued side by side against its closest peers. First Carolina Financial Services is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold First Carolina Financial Services, and how their positions are changing. At a $383.5M market value, institutional positions materially move First Carolina Financial Services's register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by First Carolina Financial Services executives and directors. Shares of First Carolina Financial Services have traded between $12.17 and $13.40 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming First Carolina Financial Services. First Carolina Financial Services is a $383.5M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming First Carolina Financial Services. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for First Carolina Financial Services. Coverage tracks First Carolina Financial Services within Banks - Regional (Financial Services). Press releases and market coverage, newest first.
Comments
Comments and replies from FRC members about this company.