# First Carolina Financial Services Inc. (FCBM) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $12.78, market value $397 million.

## Valuation
- **P/E (trailing): 28.4×**. First Carolina Financial Services Inc. trades at 28.4× trailing earnings. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.8×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 2.9×**. Each dollar of revenue is priced at 2.9×.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 8.1%**. Free cash flow equals 8.1% of the market value. Above 5% is generally attractive.
- **Earnings yield: 3.5%**. The inverse of the P/E: 3.5% of the price is earned each year.

## Profitability
- **Net margin: 8.9%**. 8.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 3.5%**. 3.5% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.4%**. Each dollar of assets produces 0.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 92.6%**. Revenue grew 92.6% over the last year.
- **EPS growth (1 yr): -41.7%**. Earnings per share fell 41.7%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $134 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. First Carolina Financial Services Inc. does not currently pay a dividend, but it returned 1.8% of its market value through buybacks over the last year.

## Price and momentum
- **From 52-week high: -4.6%** (5.0% above the low). Trading within 5% of its 52-week high.
- **RSI (14-day): 55**. An RSI of 55 is neutral.

Live score and charts: https://foliofundamentals.com/analyzer?s=FCBM · Page: https://foliofundamentals.com/stocks/fcbm

Not investment advice.