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First Bancorp FBNC Q2 2025 earnings

Reported July 23, 2025 · Before market open

Revenue$109.4MMiss by $4.0M
EPS$0.93Beat by $0.05
Revenue estimate$113.5M
EPS estimate$0.88

Next report

Oct 28, 2026 (in a month)
Revenue estimate$130.1M
EPS estimate$1.17

Financials

Q2 2025

Income statement

See full
Revenue$111.0M+15.9%
Net income$38.6M+34.3%
EPS (diluted)$0.93+32.9%

Balance sheet

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Cash & equivalents$711.3M+16.9%
Total debt$107.1M+0.2%
Total equity$1.6B+10.8%
Total assets$12.6B+4.5%

Cash flow

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Operating cash flow$45.7M-47.9%
CapEx$1.4M+1,610%
Free cash flow$44.3M-49.4%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$1.74B+32.8%
Enterprise value$1.14B+40.3%
P/E17.9×+6.4×
P/S4.6×+1.2×

Profitability

See full
Net margin25.6%-3.9pp
FCF margin53.5%+19.9pp

Returns & leverage

See full
Return on equity6.6%-1.8pp
Debt / equity0.1×0.0×

FAQ

When did First Bancorp report Q2 2025 earnings?
First Bancorp (FBNC) reported Q2 2025 earnings on July 23, 2025 before market open.
What were First Bancorp's Q2 2025 revenue and EPS?
First Bancorp reported revenue of $109.4M and eps of $0.93 for Q2 2025.
Did First Bancorp beat estimates in Q2 2025?
Revenue missed the consensus estimate of $113.5M by $4.0M. EPS beat the consensus estimate of $0.88 by $0.05.
How did First Bancorp's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.3% from $95.7M a year earlier and eps grew 32.9% from $0.70.
Where can I find First Bancorp's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000811589-25-000035) and the 10-Q periodic report (0000811589-25-000041) directly on SEC EDGAR. The filing index links above go to sec.gov.