1 offering filing in 6 months (may sell new shares)
Money moves
Insiders sold $1.5M in the last 30 days
Institutions added 1.8% to their holdings in the quarter ending June 2026 (110 bought, 85 sold)
Facts from SEC filings, not a recommendation.
What the price means
Price as of Oct 26
$65.61+1.9% that day
Company value
$2.7B
Share price times all shares
Price vs profit (P/E)
20.4x
You pay about $20 for each $1 of yearly profit
Price vs sales
40.1x
Company value is 40.1 times a year of sales
Dividend yield
1.4%
Yearly dividend as a share of today's price
Cash vs value
20%
Cash as a share of company value
Debt vs value
3%
Debt as a share of company value
From FBNC's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.
The business over time
Last 12 quarters, from SEC filings
Profit, Jun '26
$50.5M+31% vs a year earlier
Sep '23Tap a barJun '26
Last 12 months: $133.3M, up 37% from the 12 months before.
What the price assumes
Your guesses, our math
Move the sliders to your own view of FBNC. Starting points are the company's recent numbers (it isn't profitable yet, so the margin starts at a 10% guess).
Sales in 5 years$86M
Profit in 5 years$9M
Price these guesses point to$3.27-95% vs $65.61 todayAbout -45% a year, before dividends
What today's price needs: with a 10% margin and a 20x P/E, sales would have to grow about 91% a year for 5 years just to match today's price.
Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.
The checklist Warren Buffett-style investors use. Annual numbers for 2025.
3/5Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.7.2%
PassDebt under half of equityNot relying on borrowed money.0.05x equity
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$198.9M
MissShare count not growingNot diluting owners. Falling means buybacks.+16.2% in 3 years
Revenue
$67.6M
Total debt
$74.6M
0.05x equity
Free cash flow
$198.9M
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 21After close4:05 pm ET
From the press release
Adjusting for the securities loss-earnback transaction completed in the third quarter of 2025, adjusted net income was $41.8 million, or $1.01 adjusted D-EPS, for the like quarter.
The Company recorded net interest income of $114.8 million for the current quarter, compared to $111.3 million for the linked quarter and $102.5 million for the like quarter.
For the three months ended September 30, 2026, June 30, 2026 and September 30, 2025 , the Company recorded $1.3 million, $1.2 million and $3.4 million in provision for credit losses, respectively.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$1.22
vs $0.93
Free cash flow
$65.5M
Share count
-0.2%
vs a year ago
Insider rating
Last 90 days
30Selling
1 insider sold $1.5M (not pre-planned)
50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.
Weekly insider trend
13 weeks agoBoughtSoldThis week
Filing buzz
Last 7 days vs normal
62/ 100
This week
1
Normal week
0.6
vs normal
1.6x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady+1.8%
Institutions added 1.8% to their holdings. 110 bought, 85 sold. 2 quarters of net buying in a row.
Shares held by institutions34.2M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+0.2%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.0x · $74.7M debt
Shares outstandingLatest reported
41M
Earnings reports
Last 12
Next reportAround Jan 20, 2027 (est.)Estimated from the same quarter last year
Results filedOct 21
Results filedJul 22
Results filedApr 22
Results filedJan 21
Results filedOct 22, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days