First Carolina Financial Services stock
FCBMNYSEFinancial ServicesISIN US31943F2002
56Score 56 out of 100, Neutral
Price and trend
78 / 100
Price history
+6.3% since 2026The chart shows daily closing prices since 18 Jun 2026, adjusted for stock splits and excluding dividends. Click into the chart to set a price alert at that price.
Normal: the price is neither overheated nor sold off (RSI 63).
The price is at its 52-week high. Largest decline since 18 Jun 2026: 6.6% (June 2026 to July 2026).
Chart figures for advanced users
- SMA 50$12.87
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$13.40
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)63
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$12.36
- The lowest closing price of the last twelve months.
- Resistance$13.50
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- First Carolina Financial Services belongs to the Banks (Regional) industry (United States) and, with a market value of $405.29M, is number 390 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $119.05M (up 66.4% year on year) and earnings of $12.2M (down 41.7%).
- MEQIRI Score 56 out of 100 (Neutral): rank 785 of 976 in Financial Services, median 68.
Show more
- Our model puts fair value at $7.98, with the price 69% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Analysts expect strong earnings growthUp 36.4% a year through 2028 (estimates from 3 analysts).Growth 50
Weaknesses
- Above fair valuePrice 69% above the fair value of $7.98.Valuation 32
- Low return on equityReturn on equity 3.5% over the last 12 months.Profitability 23
Its standout strengths are stability and technical analysis, while valuation and profitability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansValuation
Valuation signal
Significantly overvaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $6.65 and expensive above $9.98 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $6.65 (excess return model) and $9.32 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $7.43, at 7.8% it would be $8.81.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In fiscal 2025, revenue rose 66.4% on the prior year. Revenue has grown strongly since 2023, at around 37% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 13%, net 10%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 3 Mar 2027in 111 days
- Last reported
- 27 Oct 2026EPS reported $0.26 (expected $0.22)above expectations
Analyst estimates
- Earnings per share
- $0.97+2.1%
- Revenue
- $137.68M−2.0%
- Earnings per share
- $1.45+3.6%
- Revenue
- $167.64M+0.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at First Carolina Financial Services
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 56
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- First BancorpFNLC $415.92M74
- Chemung FinancialCHMG $414.18M78
- Citizens Financial ServicesCZFS $412.85M72
- Pareto BankPARB.OL $407.28M41
- Avidia BancorpAVBC $401.97M63
- Northeast Community BancorpNECB $400.47M79
- Norwood FinancialNWFL $394.79M71
- Fidelity D & D BancorpFDBC $392.6M74
ETFs that hold First Carolina Financial Services
Held by 1 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.00% | 0.30% | €2.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 15 Oct 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.