First Carolina Financial Services, Inc. reported results
SEC 8-KRead source ↗
First Carolina Financial Services, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
Stock price today
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Third-party market data · may be delayed
Model estimate per share
~$13
Forward price-to-earnings vs peers
Base case. Range ~$13–$16. Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings.
Price vs value
No Buy/Hold/Sell rating is issued: limited reported history: available models are shown without a Buy/Hold/Sell rating.
First Carolina Financial Services, Inc. valuation: adjust assumptions and compare models →
Who’s trading
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
- Funds29 adding, 0 cuttingOf 10 active managers that changed their stake, 10 added; quarter to June 30, 2026Fund buyers and sellers
The Fundamentalytics view
Current signal Results well ahead of expectations: Reported earnings per share beat the analysts' consensus estimate by 16% in the quarter to 2026-09-30.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
Latest results
- Earnings per share
- $0.26 against an average estimate of $0.22: beat by 16.4%
- Share reaction
- +0.8% in the first session after the results on October 27, 2026, against +0.9% for the S&P 500
- Next report
- October 29, 2026; average EPS estimate $0.25
Price chart
- 1 day+1.3%
- 1 week+0.9%
- 1 month+3.1%
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Third-party market data · may be delayed
At a glance
Earnings
- Last results
- October 27, 2026
News & updates
Company announcements, filed results and changes that matter to shareholders.
Valuation models
We value First Carolina Financial Services, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.78 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. | ~$13 ~$13–$16 | Included |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. | ~$13 ~$13–$16 | 1 model |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare First Carolina Financial Services, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Moat
Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.
Forecasts and guidance
Analysts' consensus
| Fiscal year | EPS | Growth | Revenue | Growth |
|---|---|---|---|---|
| Current | $0.92 | — | $139m | — |
| Next | $1.37 | +49% | $166m | +20% |
How the EPS forecast has moved
In the last 30 days, 0 analysts raised First Carolina Financial Services, Inc.'s forecast and 0 cut it.
Average of analysts' published estimates (third-party data).
View chart data
| Period | Current fiscal year | Next fiscal year |
|---|---|---|
| 60 days ago | $0.92 | $1.31 |
| 30 days ago | $0.92 | $1.31 |
| 7 days ago | $0.92 | $1.31 |
| Now | $0.92 | $1.37 |
Earnings against estimates
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Sept 2026 | $0.22 | $0.26 | +16.4% |
| Jun 2026 | $0.21 | $0.20 | −3.2% |
Adjusted EPS as companies report it, against the average analyst estimate.
Positioning
- Short interest
- 0.6% of tradable shares
- Days to cover
- 0.68 at average volume
- Short interest, 1 month
- +109% to September 30, 2026
- Held by institutions
- 26% of shares
- Held by insiders
- 19.4% of shares
- Employees
- 269 full time
Share-price performance
Market data may be delayedPrice behaviour
- 52-week range
- Not enough history
- From 52-week high
- —
- vs 50-day average
- +2.3%
- vs 200-day average
- —
- Volatility (1 year)
- —
- Beta vs S&P 500
- —
Share price after results
- Next day
- 2 up, 0 down typical move ±1.0%
- After a week
- 1 up, 0 down typical move ±1.1%
- After a month
- 1 up, 0 down typical move ±1.9%
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| October 27, 2026 | +0.8% | +0.9% | — | — |
| July 30, 2026 | +1.2% | +2.4% | +1.1% | +1.9% |
Fundamentals
Who owns it
Funds buying and selling- Reported value
- $92.3M
- Institutions reporting
- 30
- Positions opened / closed
- 29 / 0
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Banc Funds Co LLC | $17.7M | 1.3M | 19.2% | — |
| Wellington Management Group LLP | $15.6M | 1.2M | 16.9% | — |
| Mendon Capital Advisors Corp | $9.3M | 700K | 10.0% | — |
| Curi Capital, LLC | $8.5M | 643K | 9.2% | — |
| Endeavour Capital Advisors Inc | $6.4M | 480K | 6.9% | — |
| Adage Capital Partners Gp, L.L.C. | $5.6M | 425K | 6.1% | — |
| Emerald Mutual Fund Advisers Trust | $5.5M | 414K | 5.9% | — |
| Fourthstone LLC | $5M | 377K | 5.4% | — |
| General American Investors Co Inc | $2.7M | 208K | 3.0% | — |
| Alliancebernstein L.P. | $1.8M | 136K | 2.0% | — |
| Algebris (UK) Ltd | $1.7M | 131K | 1.9% | — |
| Citadel Advisors LLC | $1.4M | 102K | 1.5% | — |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not First Carolina Financial Services, Inc.'s complete shareholder register. Values are as reported by the filers .
Insider trading activity
Full insider history and chart Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $0 net buying
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Earnings dates and SEC filings
Results announcements
- October 27, 2026
- July 30, 2026
Recent SEC filings
- 8-K Current report
- 8-K Current report
- 10-Q Quarterly report
- 8-K Current report
- 8-K Current report
- S-1 S-1
Data status
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
First Carolina Financial Services, Inc. in brief
- What does First Carolina Financial Services, Inc. do?
- First Carolina Financial Services, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
- What is First Carolina Financial Services, Inc.'s stock ticker?
- First Carolina Financial Services, Inc. trades under the ticker FCBM on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
- Who are First Carolina Financial Services, Inc.'s largest institutional shareholders?
- By value reported in 13F filings for June 30, 2026, the largest reported holders are Banc Funds Co LLC, Wellington Management Group LLP and Mendon Capital Advisors Corp. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
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