First Carolina Financial Services

FCBM

Banks - Regional · Financial Services

Exchange

New York Stock Exchange

Winston Score

–

No score yet — Winston is napping.

We couldn’t gather enough financial data to score this stock reliably.

First Carolina Financial Services is a small regional bank based in North Carolina. It offers everyday banking products like checking and savings accounts, loans, and mortgages to individuals and small businesses in its local communities. Regional banks like this one compete mainly on customer relationships and local market knowledge rather than size or technology.

The company makes money primarily through net interest income — the difference between what it earns on loans and what it pays depositors — along with fees for banking services. It operates in a limited geographic area in the Carolinas, with a market cap of roughly $400 million, making it a small community-focused institution. The main risk it faces is interest rate sensitivity, since changes in rates directly affect the spread between its lending and deposit costs, which can squeeze profitability when rates shift unexpectedly.

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

+61.1% YoY

Strong revenue growth

EPS Growth

+25.0% YoY

Strong earnings growth

Insider Activity

67.4%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$522M cash & investments

Quarterly Free Cash Flow

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

Strong grower

First Carolina Financial Services is growing revenue at 61% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

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

60.9%

Premium pricing power — 60.9% gross margin

Operating Margin

14.5%

Healthy — 14.5% operating margin

ROCE

1.8%

Weak — 1.8% 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

N/A

—

Data not available

EPS YoY

N/A

—

Data not available

EPS Consistency

N/A

—

Data not available

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

N/A

Data not available

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Stability

Debt / Equity

0.18

Conservative — low debt load (0.18)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

35.3x

no trend

Pricey — P/E 35.3

P/E over 35. The market is pricing in heavy, sustained growth.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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