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First Bancorp FBNC Presold mortgage loan fees and gains on sale

Presold mortgage loan fees and gains on sale at other companies

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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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Net margin29.8%+5.8pp
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

Reported directly by First Bancorp in its filing.

Tagged under the XBRL concept fbnc:FeesFromPreSoldMortgageLoans.

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 presold mortgage loan fees and gains on sale?
First Bancorp (FBNC) reported presold mortgage loan fees and gains on sale of $669K in Q1 2026.
How has First Bancorp's presold mortgage loan fees and gains on sale changed year-over-year?
First Bancorp's presold mortgage loan fees and gains on sale increased by 48.7% year-over-year, from $450K to $669K.
What is the long-term trend for First Bancorp's presold mortgage loan fees and gains on sale?
Over 4 years (2021 to 2025), First Bancorp's presold mortgage loan fees and gains on sale has grown at a -36.2% compound annual growth rate (CAGR), from $10.98M to $1.82M.
What does presold mortgage loan fees and gains on sale mean?
This represents income earned from the origination and sale of mortgage loans to the secondary market, including gains on sale and associated servicing or origination fees. It indicates the bank's activity level and profitability within the mortgage banking sector.