First Carolina Financial Services, Inc. is a bank holding company for First Carolina Bank (the Bank). The Bank is a North Carolina state-chartered bank and wholly owned subsidiary of the Company. The Bank operates five full-service offices in North Carolina, one branch in Virginia Beach, Virginia, two branches in South Carolina, and one branch in Atlanta, Georgia. The Bank provides commercial banking, payment, consumer banking, and wealth management services. Its commercial banking operations include real estate banking and commercial and industrial banking divisions. Its consumer banking includes BankMobile Platform and retail banking. The Bank delivers a full suite of wealth management services through First Carolina Wealth. Its BankMobile Platform provides digital-first checking and savings accounts through its BankMobile Platform app with features, such as peer-to-peer transfers, and reward programs, along with traditional features such as a physical debit card.

Employees

271

Sector

Banks

More about the company

Quotes

Date	Price	Change	Volume
26-11-04	US$13.50	+1.50%	316,272
26-11-03	US$13.30	+1.92%	307,334
26-11-02	US$13.05	+1.32%	183,243
26-10-30	US$12.88	-1.75%	97,584
26-10-29	US$13.11	+0.61%	170,354

Delayed Quote NYSE

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Analysts' Consensus

Sell

Buy

Mean consensus

BUY

Number of Analysts

Last Close Price

13.50USD

Average target price

15.00USD

Spread / Average Target

+11.11%

Consensus

EPS Estimates

Evolution of Analysts' Estimates - EPS - First Carolina Financial Services, Inc.

Revisions to estimates

Quarterly revenue - Rate of surprise

Rate of surprise - Net sales - Quarterly - First Carolina Financial Services, Inc.

Company calendar

Market Closed - NYSE 16:00:02 2026-11-04 EST			5-day change	1st Jan Change
13.50 ^USD	+1.50%		+4.09%	-

11-02	Hovde Group Upgrades First Carolina Financial Services to Outperform From Market Perform, Price Target is $15	MT
10-27	First Carolina Financial Services, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2026	CI

Market Cap	413M 368M 338M 307M 577M 39.1B 590M 4.02B 1.61B 20.67B 1.55B 1.52B 65.46B	P/E 2026 *	14.5x	P/E 2027 *	9.5x
Enterprise Value	413M 368M 338M 307M 577M 39.1B 590M 4.02B 1.61B 20.67B 1.55B 1.52B 65.46B	EV / Sales 2026 *	3x	EV / Sales 2027 *	2.45x
Free-Float	80.56%	Yield 2026 *	-	Yield 2027 *	-

Markets		Quality
NYSE	FCBM	Delayed
CBOE	FCBM	Real-time

11-02	Hovde Group Upgrades First Carolina Financial Services to Outperform From Market Perform, Price Target is $15	MT
10-27	First Carolina Financial Services, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2026	CI
09-20	First Carolina Financial Services, Inc.(NYSE:FCBM) added to S&P TMI Index	CI
09-18	First Carolina Financial Services CFO Steven Deaton to Retire	MT
09-18	First Carolina Financial Services, Inc. and First Carolina Bank Announces Retirement of Steven Deaton from Chief Financial Officer Role, Effective January 1, 2027	CI
09-18	First Carolina Financial Services, Inc. and First Carolina Bank Announces Retirement of Steven Deaton from Chief Risk Officer Role, Effective January 1, 2027	CI
09-18	First Carolina Financial Services, Inc. Completes Full Redemption of $32 Million Fixed to Floating Rate Subordinated Notes Due December 6, 2029	CI
09-17	First Carolina Financial Services, Inc.(NYSE:FCBM) added to Russell Microcap Index	CI
09-17	First Carolina Financial Services, Inc.(NYSE:FCBM) added to Russell 3000 Growth Index	CI
09-17	First Carolina Financial Services, Inc.(NYSE:FCBM) added to Russell Small Cap Comp Growth Index	CI
09-17	First Carolina Financial Services, Inc.(NYSE:FCBM) added to Russell 2000 Growth Index	CI
09-17	First Carolina Financial Services, Inc.(NYSE:FCBM) added to Russell 2000 Growth Benchmark	CI
09-17	First Carolina Financial Services, Inc.(NYSE:FCBM) added to Russell 2000 Growth-Dynamic Index	CI

First Carolina Financial Services, Inc. Stock

Stocks

FCBM

US31943F2002

Banks

Valuation: First Carolina Financial Services, Inc.

Chart: First Carolina Financial Services, Inc.

Latest news: First Carolina Financial Services, Inc.

Analysts' recommendations: First Carolina Financial Services, Inc.

Press Releases: First Carolina Financial Services, Inc.

Quotes and Performance

Price Extremes

Managers and Directors: First Carolina Financial Services, Inc.

Latest insider transactions

Other Banks

Financials

Company Profile

Quotes

Analysts' Consensus

Quarterly revenue - Rate of surprise

11-02	Hovde Group Upgrades First Carolina Financial Services to Outperform From Market Perform, Price Target is $15	MT
07-17	Hovde Initiates First Carolina Financial Services at Market Perform With $14 Price Target	MT
07-13	Raymond James Initiates First Carolina Financial Services at Outperform With $15 Price Target	MT

10-27	First Carolina Financial Services Reports Net Income of $7.9 Million, or $0.26 Per Diluted Share, for the Third Quarter of 2026	BU
09-18	First Carolina Financial Services Announces CFO Retirement	BU
07-30	First Carolina Financial Services Reports Net Income of $5.1 Million, or $0.20 Per Diluted Share, for the Second Quarter of 2026	BU
07-16	First Carolina Financial Services Announces Realignment of Executive Roles	BU
06-22	First Carolina Financial Services Rings NYSE Closing Bell to Celebrate Initial Public Offering	BU

1 day	+1.50%
1 week	+4.09%
Current month	+4.81%
1 month	+6.64%
3 months	+6.13%

1 week	12.88	13.68
1 month	12.5	13.68
Current year	12.17	13.68
1 year	12.17	13.68
3 years	12.17	13.68
5 years	12.17	13.68
10 years	12.17	13.68

Manager	Title	Age	Since
Ronald Day CEO	Chief Executive Officer	60	2012-06-30
Steven Deaton DFI	Director of Finance/CFO	63	2024-04-30
Kristen Brabble COO	Chief Operating Officer	35	2019-07-31

Director	Title	Age	Since
Ronald Day CHM	Chairman	60	2026-01-31
John Gussenhoven BRD	Director/Board Member	79	2013-12-31
Charles Robbins BRD	Director/Board Member	79	2012-06-30

Date	Insider	Type	Main position	Quantity	% Market Cap.
7/16/26	Douglas Mathieson	Other	Executive/Senior Manager	19,000	0.0628%
6/18/26	Ronald Day	Buy	Chief Executive Officer	4,000	-
6/17/26	Kristen Brabble	Other	Chief Operating Officer	134,250	-

Add to a list 0 selected To use this feature you must be a member Log in Sign up	Change	5-day change	1-year change	3-year change	Capi.($)
FIRST CAROLINA FINANCIAL SERVICES, INC.	+1.50%	+4.09%	-	-	413M
JPMORGAN CHASE & CO.	+4.18%	+4.86%	+13.82%	+146.23%	898B
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED	+1.03%	+2.89%	+26.74%	+105.25%	433B
AGRICULTURAL BANK OF CHINA LIMITED	+1.59%	-0.15%	+11.26%	+127.80%	385B
CHINA CONSTRUCTION BANK CORPORATION	+1.38%	+2.50%	+29.09%	+125.27%	347B
BANK OF AMERICA CORPORATION	+3.97%	+1.87%	-3.60%	+81.67%	343B
BANK OF CHINA LIMITED	+1.54%	-1.98%	+31.71%	+111.39%	310B
HSBC HOLDINGS PLC	+4.79%	+2.08%	+23.31%	+118.90%	289B
ROYAL BANK OF CANADA	+2.51%	+2.49%	+41.19%	+152.11%	282B
WELLS FARGO & COMPANY	+2.22%	+5.77%	+0.15%	+110.07%	257B
Average	+1.39%	-0.02%	+19.30%	+119.85%	354.31B
Weighted average by Cap.	+1.10%	-0.15%	+18.46%	+123.50%

	2026 *	2027 *
Net sales	138M 123M 113M 102M 193M 13.04B 197M 1.34B 538M 6.9B 517M 506M 21.84B	168M 150M 138M 125M 235M 15.94B 240M 1.64B 658M 8.43B 632M 619M 26.68B
Net income	27.23M 24.24M 22.24M 20.21M 38.05M 2.58B 38.87M 265M 106M 1.36B 102M 100M 4.31B	44.76M 39.85M 36.56M 33.22M 62.54M 4.24B 63.9M 435M 175M 2.24B 168M 164M 7.09B
Net Debt	-	-