What is First Bancorp's net margin?

First Bancorp (FBNC) reported net margin of 29.8% in Q1 2026.

How has First Bancorp's net margin changed year-over-year?

First Bancorp's net margin increased by 24.2% year-over-year, from 24% to 29.8%.

What is the long-term trend for First Bancorp's net margin?

Over 5 years (2020 to 2025), First Bancorp's net margin has grown at a 0.9% compound annual growth rate (CAGR), from 27.2% to 28.4%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

First Bancorp FBNC Net margin

Net margin at other companies

Bank of AmericaBAC

27.3%+1.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

Truist FinancialTFC

26.9%-9.8pp

First Commonwealth FinancialFCF

29.2%+0.5pp

First Financial BancorpFFBC

28.7%+1.4pp

WaFd, Inc.WAFD

33.1%+1.8pp

Other financials

Income statement

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Revenue$122.3M+15.6%

Net income$46.7M+28.2%

EPS (diluted)$1.13+28.4%

Balance sheet

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Cash & equivalents$598.0M-22.6%

Total debt$89.2M-16.1%

Total equity$1.7B+11.6%

Total assets$12.9B+4.1%

Cash flow

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Operating cash flow$61.2M+16.4%

CapEx$1.9M+673%

Free cash flow$59.3M+13.3%

Valuation

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Market cap$2.57B+40.7%

Enterprise value$2.06B+83.8%

P/E21.2×+0.3×

P/S6.3×+1.3×

Profitability

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FCF margin50.6%-17.1pp

Returns & leverage

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Return on equity7.6%+1.5pp

Debt / equity0.1×0.0×

Where this comes from

Calculated from First Bancorp’s reported figures.

net income/total revenue=29.8%

Based on trailing twelve months.

The official record: First Bancorp’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Bancorp's net margin?: First Bancorp (FBNC) reported net margin of 29.8% in Q1 2026.
How has First Bancorp's net margin changed year-over-year?: First Bancorp's net margin increased by 24.2% year-over-year, from 24% to 29.8%.
What is the long-term trend for First Bancorp's net margin?: Over 5 years (2020 to 2025), First Bancorp's net margin has grown at a 0.9% compound annual growth rate (CAGR), from 27.2% to 28.4%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.