First Bancorp (FBNC) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), First Bancorp had a P/E ratio of 19.07 (down from 23.97), return on equity of 7.2% (up from 5.4%), debt-to-equity of 0.06 (down from 0.07) and return on assets of 0.9% (up from 0.6%). Its dividend yield was 1.79% with a payout ratio of 33.6%.

First Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	19.07	23.97	14.70	10.47	17.10	11.95
Forward P/E	11.92	14.47	14.26	9.71	13.12	12.43
P/S Ratio	5.56	5.45	3.94	4.13	5.34	3.66
P/B Ratio	1.27	1.26	1.11	1.48	1.32	1.08
Price/Tangible Book	1.82	1.93	1.76	2.32	1.91	1.50
Price/FCF	10.59	10.56	11.98	6.79	12.24	21.07
Price/OCF	10.37	10.40	11.57	6.63	11.43	16.60
PEG Ratio	1.66	1.66	1.66	1.66	1.66	4.60
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	7.17%	5.41%	8.66%	12.99%	9.01%	9.33%
Return on Assets (ROA)	0.90%	0.63%	0.92%	1.39%	1.07%	1.21%
Leverage & Solvency Ratios
Debt/Equity	0.06	0.07	0.47	0.30	0.07	0.09
Debt/FCF	0.46	0.62	5.11	1.36	0.67	1.73
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	5.27%	4.19%	6.85%	9.60%	5.88%	8.41%
FCF Yield	9.44%	9.47%	8.35%	14.73%	8.17%	4.75%
Dividend Yield	1.79%	2.00%	2.38%	2.05%	1.75%	2.38%
Payout Ratio	33.58%	47.56%	33.55%	20.87%	23.24%	25.70%
Buyback Yield	-0.31%	-0.39%	-15.39%	-18.81%	-3.61%	2.49%
Total Return	1.49%	1.61%	-13.01%	-16.75%	-1.86%	4.86%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About First Bancorp Financial Ratios

What is First Bancorp's P/E ratio?

First Bancorp's P/E ratio was 19.07 for fiscal 2025 (period ended Dec 31, 2025). It was 23.97 a year earlier.

What is First Bancorp's return on equity?

First Bancorp's return on equity (ROE) was 7.2% for fiscal 2025 (period ended Dec 31, 2025). It was 5.4% a year earlier.

What is First Bancorp's debt-to-equity ratio?

First Bancorp's debt-to-equity ratio was 0.06 for fiscal 2025 (period ended Dec 31, 2025). It was 0.07 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition