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First Bancorp FBNC Q4 2025 Annual earnings

Reported January 21, 2026 · After market close

Revenue$83.9MMiss by $38.5M
EPS$1.19Beat by $0.16
Revenue estimate$122.4M
EPS estimate$1.03

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$129.6M
EPS estimate$1.19

Financials

Q4 2025

Income statement

See full
Revenue$83.9M+27.8%
Net income$15.7M+342%
EPS (diluted)$0.38+375%

Balance sheet

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Cash & equivalents$309.6M-39.0%
Total debt$88.8M-16.6%
Total equity$1.7B+14.4%
Total assets$12.7B+4.3%

Cash flow

See full
Operating cash flow$55.2M-19.7%
CapEx$1.2M+135%
Free cash flow$54.0M-20.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$2.11B+15.9%
Enterprise value$1.89B+33.1%
P/E19×-4.9×
P/S5.4×+0.2×

Profitability

See full
Net margin28.4%+6.7pp
FCF margin51%+1.8pp

Returns & leverage

See full
Return on equity7.2%+1.8pp
Debt / equity0.1×0.0×

Versus estimates

Revenue

Q2 2026$127.3MBeat by $1.2MQ1 2026$122.3MMiss by $920.0K
Q4 2025$83.9MMiss by $38.5M
Q3 2025$127.9MBeat by $14.2MQ2 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 $0.04
Q4 2025$1.19Beat by $0.16
Q3 2025$1.01Beat by $0.16Q2 2025$0.93Beat by $0.05Q1 2025$0.84Beat by $0.06

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Questions, answered.

When did First Bancorp report Q4 2025 earnings?
First Bancorp (FBNC) reported Q4 2025 earnings on January 21, 2026 after market close.
What were First Bancorp's Q4 2025 revenue and EPS?
First Bancorp reported revenue of $83.9M and eps of $1.19 for Q4 2025.
Did First Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $122.4M by $38.5M. EPS beat the consensus estimate of $1.03 by $0.16.
How did First Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 21.8% from $107.3M a year earlier and eps grew 56.6% from $0.76.
Where can I find First Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000811589-26-000023) and the 10-K periodic report (0000811589-26-000051) directly on SEC EDGAR. The filing index links above go to sec.gov.