$58.65

-0.02 (-0.03%)

Weekly Expected Move ±3.7%

$53 $55 $57 $59 $62

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 63 · $2.4B mcap · 41M float · 0.529% daily turnover · Short 77% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

50.5 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: -26.8%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. FBNC shows a Weak competitive edge (50.5/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. Negative ROIC of -26.8% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$61

Avg Target

$61

High

Based on 3 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 1Buy: 9Hold: 6Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$61.33

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-02-06	Piper Sandler	—	$58	$64	+6	+2.8%	$62.23
2026-01-07	Raymond James	Strong Buy	$43	$62	+19	+18.4%	$52.35
2025-11-03	Piper Sandler	Stephen Scouten	Initiated	$58	—	+19.5%	$48.54
2025-04-28	Stephens	—	$48	$50	+2	+23.6%	$40.44
2025-03-25	Stephens	—	Initiated	$48	—	+16.7%	$41.14
2022-08-01	Raymond James	—	$40	$43	+3	+13.5%	$37.88
2022-06-23	Raymond James	—	$44	$40	-4	+14.4%	$34.97
2022-05-02	Raymond James	—	Initiated	$44	—	+17.5%	$37.46

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. FBNC receives an overall rating of B. Strongest factors: DCF (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-14	B-	B
2026-05-04	B	B-
2026-04-27	B-	B
2026-04-22	B+	B-
2026-04-01	B-	B+
2026-03-30	B	B-
2026-03-24	B-	B
2026-03-18	B	B-
2026-02-20	B+	B
2026-01-03	B	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 62 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. FBNC scores highest in Earnings Quality (91/100) and lowest in Balance Sheet (56/100). An overall grade of A+ places FBNC among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

3.20

Safe Zone

Piotroski F-Score

9/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Beneish M-Score

-2.45

Unlikely Manipulator

Ohlson O-Score

-4.56

Bankruptcy prob: 1.0%

Low Risk

Credit Rating

A+

Score: 79.6/100

Trend: Stable

Earnings Quality

100/100

OCF/NI: 1.75x

Accruals: -0.7%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. FBNC scores 3.20, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. FBNC scores 9/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. FBNC's score of -2.45 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. FBNC's implied 1.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. FBNC receives an estimated rating of A+ (score: 79.6/100), with a stable trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). FBNC's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

19.99x

PEG

0.52x

P/S

4.36x

P/B

1.44x

P/FCF

11.32x

P/OCF

11.00x

EV/EBITDA

1.29x

EV/Revenue

0.38x

EV/EBIT

1.34x

EV/FCF

1.02x

Earnings Yield

5.21%

FCF Yield

8.83%

Shareholder Yield

1.84%

Graham Number

$51.39

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 20.0x earnings, FBNC trades at a reasonable valuation. An earnings yield of 5.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $51.39 per share, 14% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.800

NI / EBT

Interest Burden

0.970

EBT / EBIT

EBIT Margin

0.281

EBIT / Rev

Asset Turnover

0.045

Rev / Assets

Equity Multiplier

8.006

Assets / Equity

ROE

7.8%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. FBNC's ROE of 7.8% is driven by financial leverage (equity multiplier: 8.01x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

39.06%

Fair P/E

86.62x

Intrinsic Value

$254.11

Price/Value

0.22x

Margin of Safety

77.82%

Premium

-77.82%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with FBNC's realized 39.1% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $254.11, FBNC appears undervalued with a 78% margin of safety. The adjusted fair P/E of 86.6x compares to the current market P/E of 20.0x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$58.65

Median 1Y

$59.81

5th Pctile

$31.89

95th Pctile

$112.27

Ann. Volatility

39.1%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Gregory A. Currie, Jr. Chief Executive Officer and President of First Bank	$650,000	$718,649	$1,914,798
Elizabeth B. Bostian Executive Vice President, Chief Financial Officer of the Company and First Bank	$500,000	$286,017	$1,044,928
Christian A. Wilson Chief Operating Officer of the Company and First Bank	$425,000	$196,892	$795,682
Michael G. Mayer President of the Company	$650,000	$—	$727,555

CEO Pay Ratio

16:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,914,798

Avg Employee Cost (SGA/emp): $117,370

Employees: 1,332

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

1,332

-1.0% YoY

Revenue / Employee

$407,751

Rev: $543,124,000

Profit / Employee

$83,369

NI: $111,048,000

SGA / Employee

$117,370

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	12.0%	12.5%	9.0%	9.5%	10.2%	11.2%	13.0%	11.3%	10.7%	10.0%	8.7%	9.5%	9.4%	8.5%	5.4%	6.2%	6.9%	7.0%	7.2%	7.8%	7.83%
ROA	1.6%	1.6%	1.1%	1.1%	1.2%	1.3%	1.4%	1.2%	1.1%	1.1%	0.9%	1.0%	1.0%	0.9%	0.6%	0.7%	0.8%	0.8%	0.9%	1.0%	0.98%
ROIC	-11.6%	-12.0%	-5.2%	-5.5%	-5.9%	-6.5%	-11.2%	-9.7%	-9.2%	-8.6%	-14.2%	-15.6%	-15.5%	-14.0%	-8.1%	-9.2%	-10.3%	-10.5%	-24.6%	-26.8%	-26.81%
ROCE	13.1%	13.6%	8.7%	9.2%	9.8%	10.8%	13.3%	11.6%	11.0%	10.2%	6.4%	6.9%	6.9%	6.2%	6.1%	7.0%	7.8%	8.0%	4.4%	4.8%	4.82%
Gross Margin	94.8%	97.9%	82.7%	95.7%	97.8%	92.1%	87.2%	71.5%	73.0%	71.6%	65.4%	64.8%	66.4%	56.3%	59.0%	71.7%	71.7%	67.4%	69.1%	75.7%	75.66%
Operating Margin	45.0%	44.9%	13.9%	43.3%	47.2%	45.8%	44.8%	14.8%	27.5%	27.3%	27.7%	23.0%	25.7%	15.8%	6.4%	32.4%	33.3%	20.3%	17.9%	37.4%	37.44%
Net Margin	35.4%	35.9%	11.5%	34.5%	37.4%	36.1%	35.7%	11.6%	21.7%	21.7%	21.8%	18.3%	20.0%	13.0%	3.3%	25.2%	25.8%	15.9%	13.0%	29.6%	29.61%
EBITDA Margin	48.8%	48.9%	18.6%	47.1%	51.6%	49.4%	48.2%	18.5%	31.0%	30.7%	31.4%	26.4%	28.9%	18.7%	10.4%	35.2%	35.8%	21.4%	18.9%	37.4%	37.44%
FCF Margin	24.8%	38.4%	39.3%	57.9%	50.1%	51.6%	55.1%	36.9%	33.6%	27.4%	24.9%	14.0%	24.7%	26.4%	32.3%	45.7%	37.3%	40.3%	36.6%	37.0%	37.00%
OCF Margin	29.2%	42.3%	42.2%	59.6%	51.7%	52.7%	56.4%	37.9%	34.5%	28.3%	25.7%	15.0%	25.5%	27.1%	32.8%	46.0%	37.7%	41.0%	37.4%	38.1%	38.06%
ROE 3Y Avg	snapshot only																				7.23%
ROE 5Y Avg	snapshot only																				8.47%
ROA 3Y Avg	snapshot only																				0.87%
ROIC Economic	snapshot only																				7.28%
Cash ROA	snapshot only																				1.67%
NOPAT Margin	snapshot only																				22.49%
Pretax Margin	snapshot only																				27.27%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				28.86%
SBC / Revenue	snapshot only																				0.66%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	10.12	10.28	15.59	13.51	10.59	10.22	9.72	10.73	9.60	9.82	14.08	12.62	11.30	16.47	23.53	18.84	18.72	22.19	18.91	19.21	19.993
P/S Ratio	3.30	3.52	4.53	3.92	3.16	3.10	3.49	3.12	2.42	2.17	2.72	2.63	2.31	3.01	3.37	3.06	3.34	4.15	3.87	4.19	4.362
P/B Ratio	1.18	1.25	1.21	1.11	0.94	0.99	1.38	1.33	1.13	1.07	1.07	1.05	0.94	1.23	1.24	1.14	1.26	1.52	1.27	1.41	1.441
P/FCF	13.31	9.16	11.51	6.77	6.31	6.00	6.34	8.45	7.22	7.92	10.91	18.86	9.37	11.37	10.42	6.69	8.97	10.29	10.56	11.32	11.319
P/OCF	11.29	8.33	10.73	6.58	6.12	5.88	6.19	8.23	7.02	7.66	10.56	17.55	9.08	11.11	10.26	6.65	8.85	10.12	10.34	11.00	11.005
EV/EBITDA	-5.09	-4.51	-11.78	-12.04	-12.68	-11.20	-4.58	-5.45	-6.98	-7.72	-4.23	-4.06	-5.04	-2.85	-5.14	-5.71	-4.01	-1.37	-0.13	1.29	1.285
EV/Revenue	-2.31	-2.14	-4.80	-4.87	-5.27	-4.73	-2.25	-2.20	-2.48	-2.42	-1.18	-1.21	-1.48	-0.75	-1.12	-1.38	-1.05	-0.37	-0.04	0.38	0.376
EV/EBIT	-5.57	-4.93	-13.14	-13.39	-14.11	-12.40	-4.96	-6.00	-7.75	-8.69	-4.85	-4.60	-5.71	-3.26	-6.08	-6.58	-4.53	-1.52	-0.14	1.34	1.338
EV/FCF	-9.32	-5.57	-12.21	-8.42	-10.52	-9.16	-4.08	-5.97	-7.38	-8.85	-4.76	-8.69	-6.00	-2.83	-3.47	-3.02	-2.81	-0.92	-0.10	1.02	1.017
Earnings Yield	9.9%	9.7%	6.4%	7.4%	9.4%	9.8%	10.3%	9.3%	10.4%	10.2%	7.1%	7.9%	8.8%	6.1%	4.2%	5.3%	5.3%	4.5%	5.3%	5.2%	5.21%
FCF Yield	7.5%	10.9%	8.7%	14.8%	15.9%	16.7%	15.8%	11.8%	13.9%	12.6%	9.2%	5.3%	10.7%	8.8%	9.6%	15.0%	11.2%	9.7%	9.5%	8.8%	8.83%
PEG Ratio	snapshot only																				0.523
Price/Tangible Book	snapshot only																				2.012
EV/OCF	snapshot only																				0.989
EV/Gross Profit	snapshot only																				0.528
Acquirers Multiple	snapshot only																				1.338
Shareholder Yield	snapshot only																				1.84%
Graham Number	snapshot only																				$51.39

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.29	0.29	0.34	0.34	0.34	0.34	0.28	0.28	0.28	0.28	0.25	0.25	0.25	0.25	0.23	0.23	0.23	0.23	0.24	0.24	0.237
Quick Ratio	0.29	0.29	0.34	0.34	0.34	0.34	0.28	0.28	0.28	0.28	0.25	0.25	0.25	0.25	0.23	0.23	0.23	0.23	0.24	0.24	0.237
Debt/Equity	0.03	0.03	0.02	0.02	0.02	0.02	0.23	0.23	0.23	0.23	0.23	0.23	0.23	0.23	0.01	0.01	0.01	0.01	0.05	0.05	0.045
Net Debt/Equity	-2.01	-2.01	-2.50	-2.50	-2.50	-2.50	-2.28	-2.28	-2.28	-2.28	-1.53	-1.53	-1.53	-1.53	-1.65	-1.65	-1.65	-1.65	-1.28	-1.28	-1.282
Debt/Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03	0.00	0.00	0.00	0.00	0.01	0.01	0.006
Debt/EBITDA	0.16	0.15	0.15	0.14	0.13	0.12	1.19	1.33	1.40	1.48	2.13	1.97	1.97	2.18	0.13	0.11	0.10	0.10	0.48	0.46	0.458
Net Debt/EBITDA	-12.36	-11.92	-22.88	-21.72	-20.28	-18.54	-11.70	-13.16	-13.81	-14.63	-13.93	-12.88	-12.92	-14.28	-20.61	-18.35	-16.80	-16.73	-13.71	-13.02	-13.021
Interest Coverage	10.69	13.16	12.63	14.15	15.50	15.37	11.50	4.20	2.17	1.34	0.93	0.88	0.81	0.69	0.52	0.63	0.73	0.78	0.91	1.01	1.013
Equity Multiplier	8.16	8.16	8.54	8.54	8.54	8.54	10.30	10.30	10.30	10.30	8.83	8.83	8.83	8.83	8.40	8.40	8.40	8.40	7.66	7.66	7.658
Cash Ratio	snapshot only																				0.233
Debt Service Coverage	snapshot only																				1.054
Cash to Debt	snapshot only																				29.440
FCF to Debt	snapshot only																				2.761
Defensive Interval	snapshot only																				3397.5 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.045
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	17.35	17.19	14.27	15.14	15.79	17.01	14.71	15.87	17.23	18.40	16.10	16.32	16.56	16.72	14.44	14.61	14.78	14.36	14.38	14.73	14.729
Payables Turnover	16.03	10.52	32.50	34.43	31.60	40.47	17.04	36.75	57.29	75.70	37.91	40.60	43.37	48.93	39.49	38.00	36.84	32.79	70.51	69.41	69.409
DSO	21	21	26	24	23	21	25	23	21	20	23	22	22	22	25	25	25	25	25	25	24.8 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	23	35	11	11	12	9	21	10	6	5	10	9	8	7	9	10	10	11	5	5	5.3 days
Cash Conversion Cycle	-2	-13	14	14	12	12	3	13	15	15	13	13	14	14	16	15	15	14	20	20	19.5 days
Fixed Asset Turnover	snapshot only																				3.998
Cash Velocity	snapshot only																				0.253
Capital Intensity	snapshot only																				22.773

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	2.7%	0.8%	3.5%	8.7%	13.8%	23.7%	24.1%	26.3%	31.4%	30.3%	32.0%	24.0%	15.9%	9.6%	-1.4%	-1.6%	-1.9%	-5.6%	2.1%	3.3%	3.32%
Net Income	29.8%	38.2%	17.4%	10.9%	4.1%	9.4%	53.6%	26.3%	11.2%	-5.2%	-29.1%	-10.8%	-6.1%	-9.3%	-26.8%	-23.5%	-14.4%	-3.4%	45.7%	38.9%	38.87%
EPS	32.0%	40.2%	-5.7%	-11.2%	-16.8%	-12.6%	53.7%	9.5%	-3.6%	-17.8%	-38.8%	-11.1%	-6.4%	-9.7%	-27.2%	-23.8%	-14.8%	-3.6%	46.0%	39.1%	39.06%
FCF	22.0%	1.9%	1.9%	2.5%	1.3%	66.1%	74.0%	-19.5%	-11.9%	-30.9%	-40.3%	-53.0%	-14.8%	6.0%	28.0%	2.2%	48.1%	43.7%	15.5%	-16.4%	-16.39%
EBITDA	25.8%	33.6%	15.0%	9.6%	4.1%	9.9%	49.4%	26.1%	12.2%	-3.2%	-24.6%	-8.3%	-4.1%	-8.0%	-23.3%	-20.3%	-12.7%	-3.2%	33.3%	25.0%	25.04%
Op. Income	31.1%	38.7%	16.7%	9.4%	2.5%	8.6%	53.9%	27.3%	12.5%	-4.7%	-28.8%	-10.8%	-5.9%	-9.5%	-25.6%	-21.7%	-12.5%	0.4%	47.0%	38.3%	38.32%
OCF Growth	snapshot only																				-14.44%
Asset Growth	snapshot only																				4.29%
Equity Growth	snapshot only																				14.43%
Debt Growth	snapshot only																				4.12%
Shares Change	snapshot only																				-0.14%
Dividend Growth	snapshot only																				3.87%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	5.9%	3.6%	4.1%	5.5%	6.4%	8.6%	10.1%	12.9%	15.4%	17.6%	19.2%	19.4%	20.1%	20.9%	17.3%	15.5%	14.3%	10.5%	9.9%	8.0%	8.03%
Revenue 5Y	15.1%	14.2%	14.6%	15.0%	14.3%	14.3%	12.5%	11.9%	12.2%	12.4%	13.0%	13.0%	12.9%	12.8%	11.7%	11.9%	11.8%	10.9%	11.3%	11.6%	11.59%
EPS 3Y	15.4%	12.4%	-3.6%	-2.4%	-0.4%	1.3%	9.9%	1.4%	1.9%	0.2%	-3.9%	-4.8%	-9.1%	-13.4%	-11.8%	-9.5%	-8.4%	-10.6%	-13.3%	-2.0%	-2.00%
EPS 5Y	21.8%	25.0%	15.3%	17.3%	18.8%	15.4%	21.7%	9.3%	4.3%	0.4%	-3.3%	-2.0%	-2.3%	-5.0%	-10.0%	-6.7%	-3.3%	-2.6%	-1.2%	-1.8%	-1.76%
Net Income 3Y	13.9%	11.0%	2.3%	3.7%	5.7%	7.8%	16.9%	13.4%	14.6%	12.8%	8.5%	7.7%	2.8%	-2.0%	-7.3%	-4.9%	-3.7%	-6.0%	-8.9%	-1.8%	-1.81%
Net Income 5Y	29.9%	33.2%	28.3%	29.1%	27.9%	24.3%	26.2%	16.7%	11.3%	7.2%	3.1%	4.7%	4.3%	1.5%	-3.7%	-0.1%	3.9%	4.7%	6.4%	5.8%	5.80%
EBITDA 3Y	10.7%	9.0%	2.0%	3.2%	5.3%	7.4%	15.5%	12.5%	13.7%	12.4%	9.0%	8.2%	3.9%	-0.7%	-4.8%	-2.7%	-2.1%	-4.8%	-8.3%	-3.0%	-2.98%
EBITDA 5Y	24.8%	27.1%	22.9%	23.3%	22.1%	19.4%	21.0%	13.7%	9.7%	6.6%	3.7%	4.9%	4.7%	2.0%	-2.3%	0.8%	4.2%	4.8%	5.8%	4.8%	4.76%
Gross Profit 3Y	4.9%	3.8%	3.8%	6.3%	7.9%	9.7%	12.1%	12.6%	14.4%	14.6%	12.9%	10.7%	8.0%	5.6%	2.5%	1.9%	1.4%	-0.2%	0.0%	1.4%	1.44%
Gross Profit 5Y	14.1%	14.1%	13.9%	14.4%	14.0%	13.8%	12.3%	9.6%	8.4%	7.4%	6.9%	6.9%	6.5%	5.3%	4.0%	5.2%	6.8%	7.1%	7.6%	7.4%	7.44%
Op. Income 3Y	11.6%	9.9%	2.0%	3.4%	5.4%	7.7%	16.8%	13.4%	14.8%	12.8%	8.6%	7.5%	2.7%	-2.2%	-6.6%	-3.8%	-2.5%	-4.7%	-8.0%	-1.1%	-1.14%
Op. Income 5Y	25.4%	28.1%	23.4%	24.1%	23.0%	20.0%	22.3%	14.3%	9.9%	6.6%	3.1%	4.6%	4.4%	1.5%	-3.3%	0.4%	4.5%	5.4%	6.9%	6.1%	6.13%
FCF 3Y	79.3%	32.8%	53.7%	62.6%	40.8%	60.1%	67.8%	54.1%	35.2%	49.3%	44.3%	9.3%	19.9%	6.7%	9.9%	6.8%	3.6%	1.7%	-4.1%	8.2%	8.15%
FCF 5Y	12.2%	33.4%	27.3%	59.4%	69.6%	1.8%	59.0%	43.7%	63.5%	21.8%	30.4%	10.2%	16.0%	24.6%	29.3%	40.8%	25.5%	38.3%	34.8%	28.6%	28.58%
OCF 3Y	72.5%	30.5%	44.1%	53.1%	35.3%	54.5%	65.1%	51.7%	32.5%	40.8%	34.5%	3.5%	14.7%	4.2%	8.0%	5.9%	2.9%	1.5%	-4.1%	8.2%	8.20%
OCF 5Y	13.0%	29.1%	24.0%	49.1%	56.4%	1.0%	53.8%	39.5%	55.4%	19.1%	24.5%	7.2%	13.2%	22.0%	27.8%	38.9%	23.7%	33.1%	28.9%	23.4%	23.35%
Assets 3Y	9.5%	9.5%	21.5%	21.5%	21.5%	21.5%	20.0%	20.0%	20.0%	20.0%	18.5%	18.5%	18.5%	18.5%	4.9%	4.9%	4.9%	4.9%	6.0%	6.0%	6.04%
Assets 5Y	16.7%	16.7%	23.8%	23.8%	23.8%	23.8%	13.9%	13.9%	13.9%	13.9%	15.6%	15.6%	15.6%	15.6%	14.6%	14.6%	14.6%	14.6%	11.7%	11.7%	11.69%
Equity 3Y	8.8%	8.8%	17.2%	17.2%	17.2%	17.2%	6.6%	6.6%	6.6%	6.6%	15.4%	15.4%	15.4%	15.4%	5.5%	5.5%	5.5%	5.5%	17.0%	17.0%	17.05%
Book Value 3Y	10.3%	10.2%	10.4%	10.4%	10.4%	10.2%	0.2%	-4.7%	-5.2%	-5.3%	2.2%	2.0%	2.0%	1.9%	0.3%	0.4%	0.3%	0.4%	11.4%	16.8%	16.82%
Dividend 3Y	7.6%	5.2%	-3.9%	-0.9%	1.3%	3.0%	4.7%	-2.5%	-4.5%	-6.0%	-7.5%	-7.3%	-8.5%	-9.6%	-3.7%	-4.7%	-4.7%	-4.3%	-4.0%	1.1%	1.08%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.88	0.81	0.84	0.89	0.90	0.90	0.92	0.89	0.80	0.75	0.75	0.81	0.84	0.85	0.85	0.90	0.90	0.87	0.87	0.88	0.883
Earnings Stability	0.87	0.83	0.72	0.79	0.81	0.80	0.71	0.83	0.86	0.69	0.33	0.69	0.71	0.31	0.01	0.09	0.22	0.08	0.01	0.09	0.091
Margin Stability	0.94	0.93	0.94	0.96	0.94	0.94	0.95	0.95	0.92	0.90	0.88	0.89	0.87	0.84	0.82	0.84	0.85	0.85	0.84	0.86	0.862
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.500
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.88	0.85	0.93	0.96	0.98	0.96	0.50	0.89	0.96	0.98	0.88	0.96	0.98	0.96	0.89	0.91	0.94	0.99	0.82	0.84	0.845
Earnings Smoothness	0.74	0.68	0.84	0.90	0.96	0.91	0.58	0.77	0.89	0.95	0.66	0.89	0.94	0.90	0.69	0.73	0.84	0.97	0.63	0.67	0.675
ROE Trend	0.01	0.01	-0.02	-0.02	-0.02	-0.01	0.06	0.03	0.01	0.00	-0.03	-0.02	-0.02	-0.03	-0.06	-0.04	-0.03	-0.02	0.00	0.00	0.001
Gross Margin Trend	0.07	0.10	0.07	0.06	0.06	0.04	0.05	-0.03	-0.13	-0.18	-0.22	-0.21	-0.20	-0.21	-0.20	-0.14	-0.08	-0.01	0.04	0.05	0.051
FCF Margin Trend	0.04	0.24	0.24	0.42	0.27	0.26	0.28	-0.01	-0.04	-0.18	-0.22	-0.33	-0.17	-0.13	-0.08	0.20	0.08	0.13	0.08	0.07	0.072
Sustainable Growth Rate	9.5%	10.0%	6.9%	7.3%	7.8%	8.5%	10.3%	8.6%	7.8%	7.0%	5.8%	6.5%	6.4%	5.5%	2.8%	3.6%	4.3%	4.4%	4.8%	5.4%	5.39%
Internal Growth Rate	1.3%	1.3%	0.8%	0.9%	0.9%	1.0%	1.1%	0.9%	0.8%	0.8%	0.6%	0.7%	0.7%	0.6%	0.3%	0.4%	0.5%	0.5%	0.6%	0.7%	0.68%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	0.90	1.23	1.45	2.05	1.73	1.74	1.57	1.30	1.37	1.28	1.33	0.72	1.24	1.48	2.29	2.83	2.11	2.19	1.83	1.75	1.746
FCF/OCF	0.85	0.91	0.93	0.97	0.97	0.98	0.98	0.97	0.97	0.97	0.97	0.93	0.97	0.98	0.98	0.99	0.99	0.98	0.98	0.97	0.972
FCF/Net Income	snapshot only																				1.697
OCF/EBITDA	snapshot only																				1.300
CapEx/Revenue	4.4%	3.9%	2.9%	1.7%	1.6%	1.1%	1.3%	1.0%	0.9%	0.9%	0.8%	1.0%	0.8%	0.6%	0.5%	0.2%	0.5%	0.7%	0.8%	1.1%	1.06%
CapEx/Depreciation	snapshot only																				0.916
Accruals Ratio	0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.007
Sloan Accruals	snapshot only																				0.073
Cash Flow Adequacy	snapshot only																				4.857
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	2.0%	1.9%	1.5%	1.8%	2.3%	2.3%	2.1%	2.3%	2.8%	3.0%	2.4%	2.5%	2.8%	2.1%	2.0%	2.2%	2.0%	1.7%	1.8%	1.6%	1.59%
Dividend/Share	$0.74	$0.76	$0.62	$0.68	$0.74	$0.80	$0.86	$0.76	$0.79	$0.82	$0.85	$0.88	$0.88	$0.87	$0.88	$0.88	$0.88	$0.89	$0.90	$0.91	$0.93
Payout Ratio	20.3%	19.9%	23.2%	23.9%	24.2%	24.0%	20.9%	24.5%	26.9%	29.9%	33.6%	31.6%	31.9%	35.4%	47.6%	41.6%	37.4%	37.3%	33.6%	31.1%	31.09%
FCF Payout Ratio	26.7%	17.8%	17.2%	12.0%	14.4%	14.1%	13.6%	19.3%	20.2%	24.1%	26.0%	47.3%	26.4%	24.4%	21.1%	14.7%	17.9%	17.3%	18.7%	18.3%	18.32%
Total Payout Ratio	33.2%	26.5%	27.5%	23.9%	24.2%	24.0%	20.9%	24.5%	26.9%	29.9%	33.6%	31.6%	31.9%	35.4%	47.6%	42.7%	38.4%	38.3%	34.5%	35.3%	35.34%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.22	0.14	0.08	0.18	0.27	0.34	0.40	0.32	0.26	0.21	0.16	0.18	0.14	0.09	0.06	0.03	0.03	0.03	0.05	0.05	0.055
Buyback Yield	1.3%	0.6%	0.3%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.0%	0.0%	0.2%	0.22%
Net Buyback Yield	1.3%	0.6%	0.3%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-0.1%	-0.2%	-0.1%	-0.2%	-0.0%	-0.0%	0.2%	0.16%
Total Shareholder Return	3.3%	2.6%	1.8%	1.8%	2.3%	2.3%	2.1%	2.3%	2.8%	3.0%	2.4%	2.5%	2.8%	2.0%	1.9%	2.1%	1.8%	1.6%	1.8%	1.8%	1.78%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.79	0.79	0.79	0.80	0.80	0.80	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.78	0.77	0.77	0.76	0.80	0.80	0.800
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.97	0.97	0.970
EBIT Margin	0.41	0.43	0.37	0.36	0.37	0.38	0.45	0.37	0.32	0.28	0.24	0.26	0.26	0.23	0.18	0.21	0.23	0.24	0.27	0.28	0.281
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.045
Equity Multiplier	7.69	7.69	8.38	8.38	8.38	8.38	9.34	9.34	9.34	9.34	9.46	9.46	9.46	9.46	8.61	8.61	8.61	8.61	8.01	8.01	8.006

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$3.67	$3.81	$2.68	$2.85	$3.05	$3.33	$4.13	$3.12	$2.94	$2.74	$2.53	$2.77	$2.75	$2.47	$1.84	$2.11	$2.35	$2.38	$2.69	$2.93	$2.93
Book Value/Share	$31.36	$31.33	$34.54	$34.53	$34.53	$34.47	$28.97	$25.09	$25.08	$25.04	$33.30	$33.27	$33.26	$33.18	$34.90	$34.91	$34.88	$34.85	$40.00	$40.00	$40.70
Tangible Book/Share	$22.42	$22.40	$23.81	$23.81	$23.81	$23.77	$18.38	$15.92	$15.92	$15.89	$20.97	$20.95	$20.94	$20.89	$22.79	$22.80	$22.78	$22.76	$28.01	$28.01	$28.01
Revenue/Share	$11.24	$11.13	$9.25	$9.80	$10.23	$11.00	$11.48	$10.73	$11.65	$12.42	$13.10	$13.27	$13.46	$13.55	$12.85	$13.00	$13.14	$12.76	$13.13	$13.45	$13.45
FCF/Share	$2.79	$4.28	$3.63	$5.67	$5.12	$5.68	$6.33	$3.96	$3.91	$3.40	$3.26	$1.85	$3.32	$3.58	$4.16	$5.95	$4.90	$5.14	$4.81	$4.98	$4.98
OCF/Share	$3.29	$4.71	$3.90	$5.84	$5.28	$5.80	$6.48	$4.07	$4.02	$3.51	$3.37	$1.99	$3.43	$3.67	$4.22	$5.98	$4.96	$5.22	$4.91	$5.12	$5.12
Cash/Share	$63.90	$63.84	$86.77	$86.74	$86.74	$86.59	$72.58	$62.87	$62.85	$62.74	$58.90	$58.84	$58.82	$58.68	$58.05	$58.07	$58.03	$57.97	$53.09	$53.09	$51.14
EBITDA/Share	$5.10	$5.29	$3.77	$3.97	$4.25	$4.64	$5.63	$4.34	$4.13	$3.89	$3.67	$3.96	$3.95	$3.57	$2.80	$3.15	$3.43	$3.44	$3.74	$3.94	$3.94
Debt/Share	$0.81	$0.81	$0.55	$0.55	$0.55	$0.55	$6.68	$5.78	$5.78	$5.77	$7.81	$7.80	$7.80	$7.78	$0.35	$0.35	$0.35	$0.35	$1.80	$1.80	$1.80
Net Debt/Share	$-63.09	$-63.03	$-86.22	$-86.19	$-86.19	$-86.05	$-65.90	$-57.09	$-57.06	$-56.97	$-51.10	$-51.04	$-51.03	$-50.90	$-57.70	$-57.72	$-57.68	$-57.62	$-51.29	$-51.29	$-51.29

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.201
Altman Z-Prime	snapshot only																				-3.203
Piotroski F-Score	7	8	5	5	6	6	8	6	6	5	5	4	5	5	4	5	5	5	8	9	9
Beneish M-Score	-2.40	-2.33	-2.12	-2.19	-2.22	-2.11	-2.36	-2.11	-2.07	-2.16	-2.06	-2.12	-2.14	-2.07	-2.44	-2.61	-2.59	-2.65	-2.47	-2.45	-2.447
Ohlson O-Score	snapshot only																				-4.557
Net-Net WC	snapshot only																				$-212.33

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A+
Credit Score	91.73	93.20	85.34	85.85	89.67	89.81	87.16	85.65	84.61	81.83	78.66	68.60	78.58	78.68	78.83	78.81	80.08	79.75	80.59	79.64	79.639
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				0.826
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				79
Sector Credit Rank	snapshot only																				71

FBNC NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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