First Bancorp vs Peoples Bancorp
Peoples Bancorp is the larger business, with $459m of revenue in fiscal 2025 against $390m for First Bancorp (1.2 times as much). First Bancorp grew faster (11.5% against 2.5%). First Bancorp kept more of each dollar of sales as profit: a net margin of 28.5% against 23.2%.
| Latest fiscal year | First BancorpFBNC, 2025 | Peoples BancorpPEBO, 2025 |
|---|---|---|
| Revenue | $390m | $459m |
| Revenue growth | 11.5% | 2.5% |
| Net income | $111m | $107m |
| Operating margin | — | — |
| Net margin | 28.5% | 23.2% |
| Return on equity | 7.2% | 9.2% |
| Free cash flow | $199m | $129m |
| Cash | $310m | $189m |
| Total debt | $78.1m | $640m |
| Debt to equity | — | — |
| Dividend per share | $0.91 | $1.63 |
| Dividend yield | 1.4% | 4.2% |
| Share buybacks | $991,000 | $838,000 |
| Employees | — | 1,454 |
| Market value | $2.70bn | $1.41bn |
| Price vs our value range | — | — |
| Moat score | 67 (Moderate) | 64 (Moderate) |
| Insider trades, 12 months | 1 buys, 10 sales | 9 buys, 10 sales |