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First Carolina Financial Services, Inc. Stock Price

NYSE:FCBM Community·US$396.7m Market Cap
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FCBM Share Price Performance

US$12.93
0.33 (2.62%)
​
US$12.93
0.33 (2.62%)
​
Price US$12.93
Sat, 12 Sep 26
Share Pricen/a

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Snowflake Analysis

Excellent balance sheet with reasonable growth potential.

1 Risk
2 Rewards
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First Carolina Financial Services, Inc. Key Details

US$128.9m

Revenue

US$0

Cost of Revenue

US$128.9m

Gross Profit

US$114.9m

Other Expenses

US$13.9m

Earnings

Last Reported Earnings
Jun 30, 2026
Next Reporting Earnings
n/a
0.45
100.00%
10.80%
26.4%
View Full Analysis

About FCBM

Founded
2009
Employees
263
CEO
Ronald Day
WebsiteView website
www.firstcarolinabank.com

First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services in the United States. It operates through two segments, Community Banking and BM Tech business line. The company offers business services including checking, savings, money market deposit accounts, certificates of deposit, individual retirement accounts, and large deposit insurance; commercial financing and real estate loans and consumer loans; credit and debit cards; online banking and bill pay services; remote deposit capture, treasury management, merchant services, and wealth management services; attorney advantage accounts and interest on lawyer trust accounts; payments services; consumer banking; real estate banking; commercial and industrial banking; higher education disbursements; BankMobile platform; and retail banking services. It serves small and medium-sized businesses, individuals, professionals, and institutions. The company was incorporated in 2009 and is headquartered in Raleigh, North Carolina.

Recent FCBM News & Updates

Seeking Alpha • Aug 29

First Carolina Financial Services Needs Time To Catch Up To Its Valuation

Summary First Carolina Financial Services is rated Hold, with early public trading marked by underwhelming profitability and a forward PE of nearly 14. Core banking metrics—ROA, ROE, and efficiency ratio—are below peer averages, while deposit and loan growth remain modest and NIM is pressured. BM Technologies, FCBM’s digital payments division, offers strategic differentiation but has yet to materially boost non-interest income. High CRE loan concentration, lack of dividend, and limited public track record present notable risks, though insider ownership is a modest positive. Read the full article on Seeking Alpha

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First Carolina Financial Services, Inc. Competitors

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Univest Financial

Symbol: NasdaqGS:UVSP
Market cap: US$1.2b
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Heritage Financial

Symbol: NasdaqGS:HFWA
Market cap: US$1.2b
AMTB logo

Amerant Bancorp

Symbol: NYSE:AMTB
Market cap: US$1.1b
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Five Star Bancorp

Symbol: NasdaqGS:FSBC
Market cap: US$1.1b
View more competitors

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