$62.33

+0.76 (+1.23%)

Weekly Expected Move ±2.5%

$59 $61 $62 $64 $65

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 43 · $2.6B mcap · 41M float · 0.589% daily turnover · Short 58% 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.

NO EDGE

26.0 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: -13.9%

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 has No discernible competitive edge (26.0/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. Negative ROIC of -13.9% 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

$65

Low

$65

Avg Target

$65

High

Based on 1 analyst since Jul 22, 2026 earnings

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$70.00

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-29	Piper Sandler	—	$64	$65	+1	+1.2%	$64.22
2026-07-16	Raymond James	Daniel Tamayo	$62	$75	+13	+14.3%	$65.59
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.

B+

Oct 02, 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), ROA (5/5). Areas of concern: D/E (2/5), P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-01	B	B+
2026-09-28	B+	B
2026-09-24	B	B+
2026-09-10	B+	B
2026-08-14	B	B+
2026-07-25	B-	B
2026-07-23	B+	B-
2026-07-01	B	B+
2026-05-14	B-	B
2026-05-04	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.

★ ★ ★ ★ ★ 48 Grade D

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 Cash Flow (93/100) and lowest in Profitability (28/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

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

Altman-B Score

3.21

Safe Zone

Piotroski F-Score

5/9

✓ ✓ ✓ ✓ ✗ ✗ ✓ ✗ ✗

Beneish M-Score

0.44

Possible Manipulator

Ohlson O-Score

-4.31

Bankruptcy prob: 1.3%

Low Risk

Credit Rating

AA-

Score: 84.7/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.74x

Accruals: -0.8%

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 3.21, 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 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. 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 0.44 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. 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 1.3% 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 AA- (score: 84.7/100), with a improving 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

19.36x

PEG

0.52x

P/S

6.03x

P/B

1.50x

P/FCF

11.65x

P/OCF

11.37x

EV/EBITDA

12.93x

EV/Revenue

1.52x

EV/EBIT

13.66x

EV/FCF

2.87x

Earnings Yield

5.04%

FCF Yield

8.59%

Shareholder Yield

1.73%

Graham Number

$54.86

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 19.4x earnings, FBNC trades at a reasonable valuation. An earnings yield of 5.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $54.86 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

0.806

NI / EBT

Interest Burden

3.469

EBT / EBIT

EBIT Margin

0.111

EBIT / Rev

Asset Turnover

0.033

Rev / Assets

Equity Multiplier

7.838

Assets / Equity

ROE

8.1%

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 8.1% is driven by financial leverage (equity multiplier: 7.84x). 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.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

3.10%

Fair P/E

14.70x

Intrinsic Value

$47.36

Price/Value

1.35x

Margin of Safety

-34.97%

Premium

34.97%

Assessment

Neutral

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 3.1% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. FBNC trades at a 35% premium to its adjusted intrinsic value of $47.36, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 14.7x compares to the current market P/E of 19.4x.

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

$62.33

Median 1Y

$63.84

5th Pctile

$34.02

95th Pctile

$119.91

Ann. Volatility

39.1%

Analyst Target

$70.00

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

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	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	Q2'26	Current
ROE	12.0%	9.0%	10.2%	11.1%	12.4%	13.0%	10.6%	10.2%	10.1%	8.7%	8.5%	8.4%	7.5%	5.4%	6.1%	6.6%	6.4%	7.2%	7.6%	8.1%	8.14%
ROA	1.4%	1.1%	1.1%	1.2%	1.3%	1.4%	1.1%	1.1%	1.0%	0.9%	0.9%	0.9%	0.8%	0.6%	0.7%	0.8%	0.8%	0.9%	1.0%	1.0%	1.04%
ROIC	-6.2%	-5.2%	-4.8%	-5.8%	-8.2%	-11.2%	-11.1%	-14.1%	-14.6%	-14.2%	-14.4%	-10.7%	-8.8%	-8.1%	-7.5%	-8.5%	-6.1%	-24.6%	-36.5%	-13.9%	-13.90%
ROCE	13.0%	8.7%	10.0%	11.3%	11.6%	13.3%	8.2%	8.2%	8.2%	6.4%	8.1%	9.2%	7.8%	6.1%	6.7%	7.1%	6.9%	4.4%	1.2%	2.5%	2.53%
Gross Margin	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%	-80.8%	-80.82%
Operating Margin	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%	-2.8%	-2.78%
Net Margin	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%	2.4%	2.38%
EBITDA Margin	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%	39.6%	-2.9%	-2.94%
FCF Margin	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%	53.0%	53.03%
OCF Margin	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%	54.3%	54.32%
ROE 3Y Avg	snapshot only																				7.37%
ROE 5Y Avg	snapshot only																				8.33%
ROA 3Y Avg	snapshot only																				0.91%
ROIC Economic	snapshot only																				2.15%
Cash ROA	snapshot only																				1.78%
NOPAT Margin	snapshot only																				8.97%
Pretax Margin	snapshot only																				38.61%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				38.43%
SBC / Revenue	snapshot only																				0.81%

Valuation

Metric	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	Q2'26	Current
P/E Ratio	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	19.84	19.357
P/S Ratio	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	6.18	6.026
P/B Ratio	1.20	1.21	1.23	1.08	1.24	1.38	1.06	0.89	0.88	1.07	1.05	0.91	1.14	1.24	1.09	1.17	1.37	1.27	1.38	1.54	1.502
P/FCF	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	11.65	11.647
P/OCF	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	11.37	11.370
EV/EBITDA	-10.34	-11.78	-13.16	-11.86	-7.33	-4.58	-6.05	-5.86	-5.75	-4.23	-4.45	-7.23	-6.45	-5.14	-7.85	-6.17	-7.21	-0.13	1.83	12.93	12.931
EV/Revenue	-4.92	-4.80	-5.33	-4.93	-3.09	-2.25	-2.45	-2.08	-1.80	-1.18	-1.33	-2.12	-1.70	-1.12	-1.90	-1.61	-1.95	-0.04	0.55	1.52	1.520
EV/EBIT	-11.33	-13.14	-14.64	-13.20	-8.11	-4.96	-6.67	-6.51	-6.47	-4.85	-5.04	-8.18	-7.38	-6.08	-9.04	-6.97	-7.96	-0.14	1.95	13.66	13.661
EV/FCF	-12.79	-12.21	-9.21	-9.84	-5.99	-4.08	-6.64	-6.19	-6.60	-4.76	-9.53	-8.59	-6.42	-3.47	-4.15	-4.33	-4.83	-0.10	1.48	2.87	2.867
Earnings Yield	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%	5.0%	5.04%
FCF Yield	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%	8.6%	8.59%
PEG Ratio	snapshot only																				0.523
Price/Tangible Book	snapshot only																				2.162
EV/OCF	snapshot only																				2.799
EV/Gross Profit	snapshot only																				2.391
Acquirers Multiple	snapshot only																				13.661
Shareholder Yield	snapshot only																				1.73%
Graham Number	snapshot only																				$54.86

Leverage & Solvency

Metric	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	Q2'26	Current
Current Ratio	0.37	0.34	0.35	0.32	0.29	0.28	0.29	0.26	0.24	0.25	0.24	0.24	0.26	0.23	0.25	0.25	0.30	0.24	1717.54	0.19	0.189
Quick Ratio	0.37	0.34	0.35	0.32	0.29	0.28	0.29	0.26	0.24	0.25	0.24	0.24	0.26	0.23	0.25	0.25	0.30	0.24	1717.54	0.19	0.189
Debt/Equity	0.02	0.02	0.02	0.02	0.18	0.23	0.42	0.33	0.27	0.23	0.20	0.01	0.01	0.01	0.01	0.01	0.01	0.05	0.05	0.04	0.044
Net Debt/Equity	-2.88	-2.50	-2.89	-2.78	-2.47	-2.28	-1.89	-1.66	-1.61	-1.53	-1.58	-1.75	-1.79	-1.65	-1.77	-1.73	-2.01	-1.28	-1.20	-1.16	-1.161
Debt/Assets	0.00	0.00	0.00	0.00	0.02	0.02	0.04	0.04	0.03	0.03	0.02	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.01	0.006
Debt/EBITDA	0.14	0.15	0.14	0.12	1.07	1.19	3.08	2.49	2.14	2.13	1.67	0.09	0.10	0.13	0.11	0.10	0.11	0.48	0.54	1.48	1.485
Net Debt/EBITDA	-17.76	-22.88	-22.85	-19.47	-14.67	-11.70	-13.77	-12.69	-12.67	-13.93	-13.27	-15.10	-17.88	-20.61	-20.49	-18.96	-22.57	-13.71	-12.18	-39.60	-39.601
Interest Coverage	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	0.31	0.314
Equity Multiplier	9.13	8.54	9.53	9.95	10.68	10.30	9.51	9.27	9.52	8.83	8.79	8.59	8.23	8.40	8.25	8.10	7.95	7.66	7.69	7.60	7.598
Cash Ratio	snapshot only																				0.185
Debt Service Coverage	snapshot only																				0.332
Cash to Debt	snapshot only																				27.671
FCF to Debt	snapshot only																				3.038
Defensive Interval	snapshot only																				3423.6 days

Efficiency & Turnover

Metric	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	Q2'26	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.04	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.033
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	16.24	14.27	16.11	15.56	17.55	14.71	15.63	15.98	17.12	16.10	16.36	16.08	16.66	14.44	15.25	15.06	15.36	14.38	15.29	11.42	11.420
Payables Turnover	16.81	32.50	39.50	35.16	41.04	17.04	16.24	34.89	39.62	37.91	20.34	34.61	37.26	39.49	26.49	37.70	33.78	70.51	64.75	71.82	71.825
DSO	22	26	23	23	21	25	23	23	21	23	22	23	22	25	24	24	24	25	24	32	32.0 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	22	11	9	10	9	21	22	10	9	10	18	11	10	9	14	10	11	5	6	5	5.1 days
Cash Conversion Cycle	1	14	13	13	12	3	1	12	12	13	4	12	12	16	10	15	13	20	18	27	26.9 days
Fixed Asset Turnover	snapshot only																				3.099
Cash Velocity	snapshot only																				0.207
Capital Intensity	snapshot only																				30.471

Growth (YoY)

Metric	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	Q2'26	Current
Revenue	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%	-21.4%	-21.40%
Net Income	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%	37.1%	37.09%
EPS	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%	37.4%	37.39%
FCF	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%	11.9%	11.86%
EBITDA	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%	27.7%	-64.6%	-64.64%
Op. Income	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%	-62.2%	-62.21%
OCF Growth	snapshot only																				13.16%
Asset Growth	snapshot only																				3.44%
Equity Growth	snapshot only																				10.30%
Debt Growth	snapshot only																				4.01%
Shares Change	snapshot only																				-0.22%
Dividend Growth	snapshot only																				6.23%

Growth (CAGR)

Metric	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	Q2'26	Current
Revenue 3Y	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%	-3.7%	-3.68%
Revenue 5Y	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%	6.0%	5.97%
EPS 3Y	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%	3.1%	3.10%
EPS 5Y	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%	-2.5%	-2.54%
Net Income 3Y	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%	3.3%	3.28%
Net Income 5Y	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%	5.0%	5.00%
EBITDA 3Y	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%	-2.3%	-33.4%	-33.35%
EBITDA 5Y	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%	5.2%	-19.1%	-19.12%
Gross Profit 3Y	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%	-10.8%	-10.78%
Gross Profit 5Y	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%	-1.7%	-1.65%
Op. Income 3Y	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%	-32.2%	-32.23%
Op. Income 5Y	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%	-18.5%	-18.54%
FCF 3Y	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%	12.2%	12.16%
FCF 5Y	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%	23.4%	23.37%
OCF 3Y	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%	12.0%	12.04%
OCF 5Y	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%	19.9%	19.94%
Assets 3Y	14.1%	21.5%	20.7%	20.7%	20.1%	20.0%	24.7%	20.4%	19.2%	18.5%	16.1%	13.7%	12.7%	4.9%	5.3%	6.1%	6.6%	6.0%	1.6%	2.7%	2.72%
Assets 5Y	19.1%	23.8%	19.1%	18.5%	18.0%	13.9%	17.0%	16.0%	16.0%	15.6%	14.9%	14.9%	14.9%	14.6%	14.3%	12.9%	12.5%	11.7%	10.8%	9.7%	9.72%
Equity 3Y	7.8%	17.2%	12.3%	9.2%	5.6%	6.6%	14.7%	14.3%	12.6%	15.4%	16.2%	15.8%	16.7%	5.5%	10.5%	13.6%	17.7%	17.0%	9.0%	9.8%	9.77%
Book Value 3Y	9.1%	10.4%	5.8%	2.9%	-0.7%	0.2%	2.5%	1.7%	0.1%	2.2%	2.8%	2.3%	3.1%	0.3%	5.1%	8.0%	11.9%	11.4%	8.8%	9.6%	9.58%
Dividend 3Y	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%	1.8%	1.78%

Growth Quality

Metric	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	Q2'26	Current
Revenue Stability	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	0.33	0.332
Earnings Stability	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	0.18	0.183
Margin Stability	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	0.83	0.833
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	0.00	0.00	0.00	0.00	0.50	0.50	0.00	0.000
Earn. Growth Consistency	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	0.50	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	0.85	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	0.85	0.852
Earnings Smoothness	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	0.69	0.687
ROE Trend	0.02	-0.02	-0.01	-0.00	0.02	0.06	0.00	-0.02	-0.03	-0.03	-0.01	-0.02	-0.04	-0.06	-0.03	-0.02	-0.02	0.00	0.00	0.01	0.006
Gross Margin Trend	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	-0.03	-0.025
FCF Margin Trend	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	0.22	0.221
Sustainable Growth Rate	9.6%	6.9%	7.7%	8.4%	9.5%	10.3%	8.0%	7.5%	7.1%	5.8%	5.8%	5.7%	4.8%	2.8%	3.5%	4.1%	4.0%	4.8%	5.2%	5.8%	5.79%
Internal Growth Rate	1.1%	0.8%	0.8%	0.9%	1.0%	1.1%	0.8%	0.8%	0.7%	0.6%	0.6%	0.6%	0.6%	0.3%	0.4%	0.5%	0.5%	0.6%	0.7%	0.7%	0.74%

Cash Flow Quality

Metric	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	Q2'26	Current
OCF/Net Income	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	1.74	1.745
FCF/OCF	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	0.98	0.976
FCF/Net Income	snapshot only																				1.703
OCF/EBITDA	snapshot only																				4.620
CapEx/Revenue	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%	1.3%	1.29%
CapEx/Depreciation	snapshot only																				2.055
Accruals Ratio	-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	-0.01	-0.008
Sloan Accruals	snapshot only																				-0.076
Cash Flow Adequacy	snapshot only																				5.276
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	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	Q2'26	Current
Dividend Yield	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%	1.5%	1.52%
Dividend/Share	$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	$0.95
Payout Ratio	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%	28.9%	28.93%
FCF Payout Ratio	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%	17.0%	16.98%
Total Payout Ratio	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%	34.4%	34.38%
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	0.14	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	0.07	0.075
Buyback Yield	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%	0.3%	0.27%
Net Buyback Yield	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%	0.3%	0.26%
Total Shareholder Return	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%	1.7%	1.72%

DuPont Factors

Metric	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	Q2'26	Current
Tax Burden (NI/EBT)	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	0.81	0.806
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	0.97	0.97	3.47	3.469
EBIT Margin	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	0.11	0.111
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.04	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.033
Equity Multiplier	8.59	8.38	9.22	9.54	9.93	9.34	9.52	9.58	10.03	9.46	9.14	8.92	8.82	8.61	8.50	8.33	8.08	8.01	7.95	7.84	7.838

Per Share

Metric	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	Q2'26	Current
EPS (Diluted TTM)	$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	$3.22	$3.22
Book Value/Share	$32.61	$34.54	$31.35	$29.81	$27.57	$28.97	$31.62	$31.55	$30.53	$33.30	$33.36	$34.03	$35.72	$34.90	$36.42	$37.55	$38.65	$40.00	$40.70	$41.51	$41.51
Tangible Book/Share	$24.12	$23.81	$20.66	$19.16	$16.98	$18.38	$19.02	$19.01	$18.06	$20.97	$21.01	$21.80	$23.55	$22.79	$24.34	$25.52	$26.66	$28.01	$28.74	$29.57	$29.57
Revenue/Share	$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	$10.35	$10.35
FCF/Share	$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	$5.49	$5.49
OCF/Share	$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	$5.62	$5.62
Cash/Share	$94.66	$86.77	$91.21	$83.24	$73.04	$72.58	$73.06	$62.74	$57.62	$58.90	$59.21	$60.00	$64.11	$58.05	$64.81	$65.46	$78.08	$53.09	$51.14	$50.00	$50.00
EBITDA/Share	$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	$4.02	$1.22	$1.22
Debt/Share	$0.75	$0.55	$0.54	$0.52	$4.96	$6.68	$13.35	$10.30	$8.32	$7.81	$6.60	$0.34	$0.35	$0.35	$0.36	$0.36	$0.36	$1.80	$2.16	$1.81	$1.81
Net Debt/Share	$-93.91	$-86.22	$-90.67	$-82.71	$-68.08	$-65.90	$-59.71	$-52.45	$-49.30	$-51.10	$-52.61	$-59.65	$-63.76	$-57.70	$-64.45	$-65.10	$-77.72	$-51.29	$-48.99	$-48.19	$-48.19

Academic Models

Metric	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	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.210
Altman Z-Prime	snapshot only																				-4.058
Piotroski F-Score	8	5	4	5	4	7	5	5	4	4	4	5	6	4	6	5	5	7	8	5	5
Beneish M-Score	-2.55	-2.12	-2.14	-2.18	-2.07	-2.36	-1.96	-1.95	-1.97	-2.06	-2.30	-2.36	-2.41	-2.44	-2.57	-2.53	-2.53	-2.47	-2.45	0.44	0.443
Ohlson O-Score	snapshot only																				-4.313
Net-Net WC	snapshot only																				$-222.96

Credit

Metric	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	Q2'26	Current
Credit Rating	snapshot only																				AA-
Credit Score	91.19	85.39	85.34	86.08	87.45	87.23	70.36	81.90	77.41	78.88	67.03	82.76	81.57	78.90	80.20	79.75	79.79	80.75	80.84	84.67	84.669
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				4.922
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				88
Sector Credit Rank	snapshot only																				78

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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