First Bancorp (FBNC) Price/Book Ratio: History & Chart

First Bancorp(FBNC)

Banks - Regional · Southern Pines, NC

$60.93-0.86 (-1.39%)

Delayed quote: Oct 6, 2026, 10:25 AM EDT

About First Bancorp

First Bancorp (FBNC) functions as the parent company of First Bank, offering a diverse array of financial solutions to individuals and small to medium-sized businesses. Its operational focus is primarily within North Carolina and the northeastern region of South Carolina. The institution provides various deposit options, such as transactional accounts (checking, savings, money market) and fixed-term products, including certificates of deposit and individual retirement accounts. For its lending portfolio, First Bank extends credit for a wide range of consumer and commercial purposes. This encompasses financing for businesses, real estate, personal needs, home improvements, and vehicle purchases, alongside residential mortgages and Small Business Administration (SBA) loans. Additionally, it offers specialized commercial funding options like accounts receivable financing, factoring, inventory financing, and purchase order financing. Beyond core banking, clients have access to credit and debit cards, letters of credit, and safe deposit box rentals. Its digital and electronic services include wire transfers, online and mobile banking platforms, cash management tools, telephone banking, and remote check deposit capabilities. Furthermore, First Bancorp provides investment and insurance products, featuring mutual funds, annuities, various insurance policies (long-term care, life, property, and casualty), and company retirement plans. Comprehensive financial planning services are also available. As of December 31, 2021, the company maintained an extensive network of 121 branches, with 114 located in North Carolina and 7 in South Carolina. First Bancorp was established in 1934 and its corporate headquarters are situated in Southern Pines, North Carolina.

Southern Pines, NC

1,374 employees

localfirstbank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Richard Hancock Moore

View full financials

FBNC PB Ratio Metrics

PB RATIO

1.47

PB RATIO AVG TTM

1.45

PB RATIO AVG 3Y

1.25

PB RATIO AVG 5Y

1.26

PB RATIO AVG 10Y

1.32

PB RATIO AVG 15Y

1.21

PB RATIO AVG 20Y

1.21

CURRENT VS TTM AVG

+1.28%

CURRENT VS 3Y AVG

+17.47%

CURRENT VS 5Y AVG

+17.05%

CURRENT VS 10Y AVG

+11.68%

CURRENT VS 15Y AVG

+21.98%

CURRENT VS 20Y AVG

+21.67%

SECTOR MEDIAN · FINANCIAL SERVICES

1.32

median of 464 covered companies

CURRENT VS SECTOR MEDIAN

+11.36%

vs the sector median at left

NAME	MARKET CAP	PB RATIO	TTM	3Y	5Y
First Bancorp (FBNC)	$2.52B	1.47	1.45	1.25	1.26
Merchants Bancorp (MBINM)vs ›	$2.53B	1.37	0.67	0.78	0.87
Columbia Financial, Inc. (CLBK)vs ›	$2.53B	2.11	1.68	1.59	1.76
First Merchants Corporation (FRME)vs ›	$2.51B	0.94	0.94	0.96	1.03
First Busey Corporation (BUSE)vs ›	$2.50B	1.05	0.89	0.96	1.01
The Baldwin Insurance Group, Inc. (BWIN)vs ›	$2.58B	2.92	2.34	3.54	3.54
NBT Bancorp Inc. (NBTB)vs ›	$2.66B	1.37	1.22	1.28	1.32
Merchants Bancorp (MBINL)vs ›	$2.39B	1.30	0.64	0.67	0.67
Merchants Bancorp (MBINN)vs ›	$2.38B	1.29	0.53	0.63	0.83
Nuveen Quality Municipal Income Fund (NAD)vs ›	$2.36B	N/A	N/A	N/A	N/A

NAME

MARKET CAP

PB RATIO

TTM

First Bancorp (FBNC)

$2.52B

1.47

1.45

1.25

1.26

Merchants Bancorp (MBINM)vs ›

$2.53B

1.37

0.67

0.78

0.87

Columbia Financial, Inc. (CLBK)vs ›

$2.53B

2.11

1.68

1.59

1.76

First Merchants Corporation (FRME)vs ›

$2.51B

0.94

0.96

1.03

First Busey Corporation (BUSE)vs ›

$2.50B

1.05

0.89

0.96

1.01

The Baldwin Insurance Group, Inc. (BWIN)vs ›

$2.58B

2.92

2.34

3.54

NBT Bancorp Inc. (NBTB)vs ›

$2.66B

1.37

1.22

1.28

1.32

Merchants Bancorp (MBINL)vs ›

$2.39B

1.30

0.64

0.67

Merchants Bancorp (MBINN)vs ›

$2.38B

1.29

0.53

0.63

0.83

Nuveen Quality Municipal Income Fund (NAD)vs ›

$2.36B

N/A

PB Ratio Formula & Definition

PB Ratio = Market Cap / (Total Shareholders' Equity − Preferred Stock)

The price-to-book ratio compares market capitalization to book value attributable to common shareholders (total equity minus preferred stock). Lower values can indicate a cheaper valuation relative to net assets.

PB Ratio FAQ

What is the P/B ratio for First Bancorp (FBNC)?

The P/B ratio for FBNC stock is 1.47.

Is First Bancorp's P/B ratio high or low?

The P/B ratio of 1.47 is 17% above its estimated 5-year average of 1.26, around the middle of its estimated 5-year range (0.84–1.77).

What is the estimated TTM average P/B ratio for First Bancorp (FBNC)?

The estimated TTM average P/B ratio for FBNC stock is 1.45.

What is the estimated 3Y average P/B ratio for First Bancorp (FBNC)?

The estimated 3Y average P/B ratio for FBNC stock is 1.25.

What is the estimated 5Y average P/B ratio for First Bancorp (FBNC)?

The estimated 5Y average P/B ratio for FBNC stock is 1.26.

What is the estimated 10Y average P/B ratio for First Bancorp (FBNC)?

The estimated 10Y average P/B ratio for FBNC stock is 1.32.

What is the estimated 15Y average P/B ratio for First Bancorp (FBNC)?

The estimated 15Y average P/B ratio for FBNC stock is 1.21.

What is the estimated 20Y average P/B ratio for First Bancorp (FBNC)?

The estimated 20Y average P/B ratio for FBNC stock is 1.21.

DATE	PB RATIO
2026-10-05	1.49
2026-10-02	1.50
2026-10-01	1.48
2026-09-30	1.47
2026-09-29	1.50
2026-09-28	1.52
2026-09-25	1.53
2026-09-24	1.51
2026-09-23	1.50
2026-09-22	1.52
2026-09-21	1.51
2026-09-18	1.53
2026-09-17	1.51
2026-09-16	1.51
2026-09-15	1.54
2026-09-14	1.56
2026-09-11	1.55
2026-09-10	1.56
2026-09-09	1.54
2026-09-08	1.56
2026-09-04	1.57
2026-09-03	1.55
2026-09-02	1.54
2026-09-01	1.50
2026-08-31	1.53
2026-08-28	1.54
2026-08-27	1.53
2026-08-26	1.54
2026-08-25	1.54
2026-08-24	1.57
2026-08-21	1.56
2026-08-20	1.55
2026-08-19	1.55
2026-08-18	1.59
2026-08-17	1.59
2026-08-14	1.60
2026-08-13	1.59
2026-08-12	1.58
2026-08-11	1.57
2026-08-10	1.56
2026-08-07	1.56
2026-08-06	1.58
2026-08-05	1.59
2026-08-04	1.61
2026-08-03	1.57
2026-07-31	1.54
2026-07-30	1.55
2026-07-29	1.55
2026-07-28	1.58
2026-07-27	1.54
2026-07-24	1.54
2026-07-23	1.55
2026-07-22	1.54
2026-07-21	1.58
2026-07-20	1.57
2026-07-17	1.58
2026-07-16	1.63
2026-07-15	1.58
2026-07-14	1.57
2026-07-13	1.58
2026-07-10	1.57
2026-07-09	1.55
2026-07-08	1.53
2026-07-07	1.55
2026-07-06	1.56
2026-07-02	1.57
2026-07-01	1.61
2026-06-30	1.57
2026-06-29	1.57
2026-06-26	1.56
2026-06-25	1.54
2026-06-24	1.54
2026-06-23	1.52
2026-06-22	1.49
2026-06-18	1.49
2026-06-17	1.48
2026-06-16	1.50
2026-06-15	1.49
2026-06-12	1.52
2026-06-11	1.51
2026-06-10	1.49
2026-06-09	1.47
2026-06-08	1.45
2026-06-05	1.46
2026-06-04	1.46
2026-06-03	1.41
2026-06-02	1.46
2026-06-01	1.42
2026-05-29	1.45
2026-05-28	1.44
2026-05-27	1.44
2026-05-26	1.46
2026-05-22	1.44
2026-05-21	1.44
2026-05-20	1.46
2026-05-19	1.43
2026-05-18	1.44
2026-05-15	1.41
2026-05-14	1.43
2026-05-13	1.42
2026-05-12	1.44
2026-05-11	1.44
2026-05-08	1.45
2026-05-07	1.48
2026-05-06	1.48
2026-05-05	1.45
2026-05-04	1.43
2026-05-01	1.44
2026-04-30	1.44
2026-04-29	1.44
2026-04-28	1.49
2026-04-27	1.49
2026-04-24	1.46
2026-04-23	1.49
2026-04-22	1.44
2026-04-21	1.48
2026-04-20	1.50
2026-04-17	1.49
2026-04-16	1.45
2026-04-15	1.46
2026-04-14	1.47
2026-04-13	1.48
2026-04-10	1.47
2026-04-09	1.48
2026-04-08	1.45
2026-04-07	1.39
2026-04-06	1.41
2026-04-02	1.40
2026-04-01	1.41
2026-03-31	1.41
2026-03-30	1.39
2026-03-27	1.38
2026-03-26	1.39
2026-03-25	1.39
2026-03-24	1.37
2026-03-23	1.35
2026-03-20	1.32
2026-03-19	1.33
2026-03-18	1.32
2026-03-17	1.33
2026-03-16	1.33
2026-03-13	1.33
2026-03-12	1.34
2026-03-11	1.36
2026-03-10	1.39
2026-03-09	1.38
2026-03-06	1.40
2026-03-05	1.44
2026-03-04	1.45
2026-03-03	1.45
2026-03-02	1.45
2026-02-27	1.42
2026-02-26	1.50
2026-02-25	1.56
2026-02-24	1.52
2026-02-23	1.52
2026-02-20	1.61
2026-02-19	1.58
2026-02-18	1.58
2026-02-17	1.58
2026-02-13	1.58
2026-02-12	1.55
2026-02-11	1.57
2026-02-10	1.57
2026-02-09	1.60
2026-02-06	1.61
2026-02-05	1.58
2026-02-04	1.57
2026-02-03	1.54
2026-02-02	1.52
2026-01-30	1.50
2026-01-29	1.50
2026-01-28	1.47
2026-01-27	1.47
2026-01-26	1.49
2026-01-23	1.49
2026-01-22	1.58
2026-01-21	1.57
2026-01-20	1.49
2026-01-16	1.50
2026-01-15	1.49
2026-01-14	1.43
2026-01-13	1.40
2026-01-12	1.38
2026-01-09	1.39
2026-01-08	1.39
2026-01-07	1.36
2026-01-06	1.35
2026-01-05	1.34
2026-01-02	1.32
2025-12-31	1.31
2025-12-30	1.33
2025-12-29	1.34
2025-12-26	1.35
2025-12-24	1.35
2025-12-23	1.35
2025-12-22	1.37
2025-12-19	1.35
2025-12-18	1.38
2025-12-17	1.37
2025-12-16	1.39
2025-12-15	1.38
2025-12-12	1.38
2025-12-11	1.38
2025-12-10	1.36
2025-12-09	1.32
2025-12-08	1.32
2025-12-05	1.32
2025-12-04	1.34
2025-12-03	1.34
2025-12-02	1.31
2025-12-01	1.33
2025-11-28	1.32
2025-11-26	1.33
2025-11-25	1.33
2025-11-24	1.29
2025-11-21	1.30
2025-11-20	1.27
2025-11-19	1.27
2025-11-18	1.25
2025-11-17	1.25
2025-11-14	1.32
2025-11-13	1.29
2025-11-12	1.31
2025-11-11	1.32
2025-11-10	1.32
2025-11-07	1.36
2025-11-06	1.35
2025-11-05	1.35
2025-11-04	1.32
2025-11-03	1.32
2025-10-31	1.29
2025-10-30	1.30
2025-10-29	1.30
2025-10-28	1.32
2025-10-27	1.32
2025-10-24	1.31
2025-10-23	1.27
2025-10-22	1.29
2025-10-21	1.30
2025-10-20	1.30
2025-10-17	1.27
2025-10-16	1.23
2025-10-15	1.31
2025-10-14	1.36
2025-10-13	1.33
2025-10-10	1.31
2025-10-09	1.34
2025-10-08	1.35
2025-10-07	1.37
2025-10-06	1.38
2025-10-03	1.39
2025-10-02	1.39
2025-10-01	1.40
2025-09-30	1.41
2025-09-29	1.41
2025-09-26	1.42
2025-09-25	1.41
2025-09-24	1.42
2025-09-23	1.42

DATE

PB RATIO

2026-10-05

1.49

2026-10-02

1.50

2026-10-01

1.48

2026-09-30

1.47

2026-09-29

1.50

2026-09-28

1.52

2026-09-25

1.53

2026-09-24

1.51

2026-09-23

1.50

2026-09-22

1.52

2026-09-21

1.51

2026-09-18

1.53

2026-09-17

1.51

2026-09-16

1.51

2026-09-15

1.54

2026-09-14

1.56

2026-09-11

1.55

2026-09-10

1.56

2026-09-09

1.54

2026-09-08

1.56

2026-09-04

1.57

2026-09-03

1.55

2026-09-02

1.54

2026-09-01

1.50

2026-08-31

1.53

2026-08-28

1.54

2026-08-27

1.53

2026-08-26

1.54

2026-08-25

1.54

2026-08-24

1.57

2026-08-21

1.56

2026-08-20

1.55

2026-08-19

1.55

2026-08-18

1.59

2026-08-17

1.59

2026-08-14

1.60

2026-08-13

1.59

2026-08-12

1.58

2026-08-11

1.57

2026-08-10

1.56

2026-08-07

1.56

2026-08-06

1.58

2026-08-05

1.59

2026-08-04

1.61

2026-08-03

1.57

2026-07-31

1.54

2026-07-30

1.55

2026-07-29

1.55

2026-07-28

1.58

2026-07-27

1.54

2026-07-24

1.54

2026-07-23

1.55

2026-07-22

1.54

2026-07-21

1.58

2026-07-20

1.57

2026-07-17

1.58

2026-07-16

1.63

2026-07-15

1.58

2026-07-14

1.57

2026-07-13

1.58

2026-07-10

1.57

2026-07-09

1.55

2026-07-08

1.53

2026-07-07

1.55

2026-07-06

1.56

2026-07-02

1.57

2026-07-01

1.61

2026-06-30

1.57

2026-06-29

1.57

2026-06-26

1.56

2026-06-25

1.54

2026-06-24

1.54

2026-06-23

1.52

2026-06-22

1.49

2026-06-18

1.49

2026-06-17

1.48

2026-06-16

1.50

2026-06-15

1.49

2026-06-12

1.52

2026-06-11

1.51

2026-06-10

1.49

2026-06-09

1.47

2026-06-08

1.45

2026-06-05

1.46

2026-06-04

1.46

2026-06-03

1.41

2026-06-02

1.46

2026-06-01

1.42

2026-05-29

1.45

2026-05-28

1.44

2026-05-27

1.44

2026-05-26

1.46

2026-05-22

1.44

2026-05-21

1.44

2026-05-20

1.46

2026-05-19

1.43

2026-05-18

1.44

2026-05-15

1.41

2026-05-14

1.43

2026-05-13

1.42

2026-05-12

1.44

2026-05-11

1.44

2026-05-08

1.45

2026-05-07

1.48

2026-05-06

1.48

2026-05-05

1.45

2026-05-04

1.43

2026-05-01

1.44

2026-04-30

1.44

2026-04-29

1.44

2026-04-28

1.49

2026-04-27

1.49

2026-04-24

1.46

2026-04-23

1.49

2026-04-22

1.44

2026-04-21

1.48

2026-04-20

1.50

2026-04-17

1.49

2026-04-16

1.45

2026-04-15

1.46

2026-04-14

1.47

2026-04-13

1.48

2026-04-10

1.47

2026-04-09

1.48

2026-04-08

1.45

2026-04-07

1.39

2026-04-06

1.41

2026-04-02

1.40

2026-04-01

1.41

2026-03-31

1.41

2026-03-30

1.39

2026-03-27

1.38

2026-03-26

1.39

2026-03-25

1.39

2026-03-24

1.37

2026-03-23

1.35

2026-03-20

1.32

2026-03-19

1.33

2026-03-18

1.32

2026-03-17

1.33

2026-03-16

1.33

2026-03-13

1.33

2026-03-12

1.34

2026-03-11

1.36

2026-03-10

1.39

2026-03-09

1.38

2026-03-06

1.40

2026-03-05

1.44

2026-03-04

1.45

2026-03-03

1.45

2026-03-02

1.45

2026-02-27

1.42

2026-02-26

1.50

2026-02-25

1.56

2026-02-24

1.52

2026-02-23

1.52

2026-02-20

1.61

2026-02-19

1.58

2026-02-18

1.58

2026-02-17

1.58

2026-02-13

1.58

2026-02-12

1.55

2026-02-11

1.57

2026-02-10

1.57

2026-02-09

1.60

2026-02-06

1.61

2026-02-05

1.58

2026-02-04

1.57

2026-02-03

1.54

2026-02-02

1.52

2026-01-30

1.50

2026-01-29

1.50

2026-01-28

1.47

2026-01-27

1.47

2026-01-26

1.49

2026-01-23

1.49

2026-01-22

1.58

2026-01-21

1.57

2026-01-20

1.49

2026-01-16

1.50

2026-01-15

1.49

2026-01-14

1.43

2026-01-13

1.40

2026-01-12

1.38

2026-01-09

1.39

2026-01-08

1.39

2026-01-07

1.36

2026-01-06

1.35

2026-01-05

1.34

2026-01-02

1.32

2025-12-31

1.31

2025-12-30

1.33

2025-12-29

1.34

2025-12-26

1.35

2025-12-24

1.35

2025-12-23

1.35

2025-12-22

1.37

2025-12-19

1.35

2025-12-18

1.38

2025-12-17

1.37

2025-12-16

1.39

2025-12-15

1.38

2025-12-12

1.38

2025-12-11

1.38

2025-12-10

1.36

2025-12-09

1.32

2025-12-08

1.32

2025-12-05

1.32

2025-12-04

1.34

2025-12-03

1.34

2025-12-02

1.31

2025-12-01

1.33

2025-11-28

1.32

2025-11-26

1.33

2025-11-25

1.33

2025-11-24

1.29

2025-11-21

1.30

2025-11-20

1.27

2025-11-19

1.27

2025-11-18

1.25

2025-11-17

1.25

2025-11-14

1.32

2025-11-13

1.29

2025-11-12

1.31

2025-11-11

1.32

2025-11-10

1.32

2025-11-07

1.36

2025-11-06

1.35

2025-11-05

1.35

2025-11-04

1.32

2025-11-03

1.32

2025-10-31

1.29

2025-10-30

1.30

2025-10-29

1.30

2025-10-28

1.32

2025-10-27

1.32

2025-10-24

1.31

2025-10-23

1.27

2025-10-22

1.29

2025-10-21

1.30

2025-10-20

1.30

2025-10-17

1.27

2025-10-16

1.23

2025-10-15

1.31

2025-10-14

1.36

2025-10-13

1.33

2025-10-10

1.31

2025-10-09

1.34

2025-10-08

1.35

2025-10-07

1.37

2025-10-06

1.38

2025-10-03

1.39

2025-10-02

1.39

2025-10-01

1.40

2025-09-30

1.41

2025-09-29

1.41

2025-09-26

1.42

2025-09-25

1.41

2025-09-24

1.42

2025-09-23

1.42

PB Ratio: 1.47

FBNC PB Ratio Chart

FBNC Average PB Ratio Chart

FBNC Current vs Average PB Ratio Chart

FBNC PB Ratio Metrics

FBNC Competitors' PB Ratio

P/B vs. estimated history

Book Value Analysis

PB Ratio Formula & Definition

PB Ratio FAQ

FBNC PB Ratio History

Related Metrics