On the stock market since 1987, it operates in the world of money and finance. It has 1,374 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 14% a year over the last 4 years. Every year shown ended in profit.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
There is growth, but not at top-of-the-class tempo.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 20% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 10% a year on average.
Over the last 12 months, company executives reported 25 buys and 24 sells. Management buying with its own money is usually read as a good sign.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 31/100.
On our five-subject report card, FBNC sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: FBNC is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.