First Ban (FBNC) Stock Analysis & Winston Score

First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and small to medium-sized businesses primarily in North Carolina and northeastern South Carolina. It accepts deposit products, such as checking, savings, and money market accounts, as well as time deposits, including certificate of deposits and individual retirement accounts. The company also offers loans for a range of consumer and commercial purposes comprising loans fo

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+9.1% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+28.4% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

1.7%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$135M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

First Ban is growing revenue at 9% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

75.7%

Premium pricing power — 75.7% gross margin

Operating Margin

37.4%

Excellent — 37.4% operating margin

ROCE

3.4%

Weak — 3.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+3.3%

Slow sales growth (3.3% YoY)

EPS YoY

+38.2%

Earnings growing fast (38.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

175%

Turns 175% of profit into real cash

FCF Margin

37.0%

Converts sales into free cash efficiently (37.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.04

Conservative — low debt load (0.04)

Interest Cover

1.01x

Dangerous — barely covers interest (1.0x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

21.8x

no trend

Growth-priced — P/E 21.8

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+8.1

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (21.8 → 13.7)

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Dividends

Dividend Yield

1.47%

no trend

Small dividend — 1.47% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+5.6%

no trend

Dividend growing modestly (5.6% YoY)

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