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First Bancorp FBNC Q3 2025 earnings

Reported October 22, 2025 · Before market open

Revenue$127.9MBeat by $14.2M
EPS$1.01Beat by $0.16
Revenue estimate$113.7M
EPS estimate$0.85

Next report

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

Financials

Q3 2025

Income statement

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Revenue$89.6M-7.3%
Net income$20.4M+9.0%
EPS (diluted)$0.49+8.9%

Balance sheet

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Cash & equivalents$598.0M-19.7%
Total debt$107.0M+0.3%
Total equity$1.6B+8.5%
Total assets$12.8B+4.9%

Cash flow

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Operating cash flow$49.7M+29.3%
CapEx$1.5M+234%
Free cash flow$48.2M+26.9%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$2.19B+27.7%
Enterprise value$1.7B+57.7%
P/E22.2×+5.4×
P/S5.9×+1.4×

Profitability

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Net margin26.6%-0.2pp
FCF margin57.3%+20.4pp

Returns & leverage

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Return on equity6.4%-1.1pp
Debt / equity0.1×0.0×

FAQ

When did First Bancorp report Q3 2025 earnings?
First Bancorp (FBNC) reported Q3 2025 earnings on October 22, 2025 before market open.
What were First Bancorp's Q3 2025 revenue and EPS?
First Bancorp reported revenue of $127.9M and eps of $1.01 for Q3 2025.
Did First Bancorp beat estimates in Q3 2025?
Revenue beat the consensus estimate of $113.7M by $14.2M. EPS beat the consensus estimate of $0.85 by $0.16.
How did First Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 34.8% from $94.9M a year earlier and eps grew 44.3% from $0.70.
Where can I find First Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000811589-25-000072) and the 10-Q periodic report (0000811589-25-000077) directly on SEC EDGAR. The filing index links above go to sec.gov.