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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 3 months)
Revenue estimate$129.6M
EPS estimate$1.19

Financials

Q3 2025

Income statement

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

Balance sheet

See full
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

See full
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

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

Returns & leverage

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

Versus estimates

Revenue

Q2 2026$127.3MBeat by $1.2MQ1 2026$122.3MMiss by $920.0KQ4 2025$83.9MMiss by $38.5M
Q3 2025$127.9MBeat by $14.2M
Q2 2025$109.4MMiss by $4.0MQ1 2025$104.6MMiss by $3.0M

Diluted EPS

Q2 2026$1.22Beat by $0.07Q1 2026$1.13Beat by $0.04Q4 2025$1.19Beat by $0.16
Q3 2025$1.01Beat by $0.16
Q2 2025$0.93Beat by $0.05Q1 2025$0.84Beat by $0.06

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Questions, answered.

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 10-Q periodic report (0000811589-25-000077) directly on SEC EDGAR. The filing index links above go to sec.gov.