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First Carolina Financial Servic (New York Stock Exchange:FCBM)
US · Delayed Price · Currency is USD
Financial Services · Banks - Regional
$13.43+$0.03 (+0.19%)
Market cap
$406M
Insider Score
Health Score
Analyst consensus
Listed since
Jun 18, 2026
Website
Insider Score
––Not scored
FCBM Insider Score
No insider has filed an open-market purchase or sale here in the last 90 days, so there is nothing to score yet.
Financial Health Score
Strong
From FCBM’s reported statements · Q3 2026 (trailing 12 months) · 4 of 5 pillars
Profitability15 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $220.0M
- Net income
- $23.5M
- Net margin
- 10.7%
Leverage20 / 20
Little or no net debt.
- Total debt
- $31.7M
- Cash
- $237.4M
- Net debt / EBITDA
- -6.02x
Liquidity—
Current assets or liabilities not reported.
- Current assets
- $556.5M
- Current liabilities
- $0
- Current ratio
- —
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $45.5M
- Free cash flow
- $42.4M
- FCF margin
- 19.3%
Dilution & runway18 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 30.8M
- Share growth (1y)
- 2.0%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
FCBM Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | $56.28 M | $53.52 M | $50.71 M | $59.49 M | $31.48 M |
| Revenue Growth (YoY) | 78.78 % | — | — | — | — |
| Cost of Revenue | $20.47 M | $21.53 M | $19.82 M | $23.02 M | $0.00 |
| Gross Profit | $35.81 M | $31.99 M | $30.89 M | $36.47 M | $31.48 M |
| SG&A Expense | $16.50 M | $15.68 M | $18.10 M | $16.32 M | $16.45 M |
| R&D Expense | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Operating Expenses | $25.81 M | $25.50 M | $23.56 M | $30.31 M | $0.00 |
| Operating Income | $10.00 M | $6.49 M | $7.33 M | $6.16 M | $0.00 |
| Pretax Income | $10.00 M | $6.49 M | $7.33 M | $6.16 M | $5.82 M |
| Tax Provision | $2.11 M | $1.39 M | $1.42 M | $1.57 M | $1.12 M |
| Net Income | $7.90 M | $5.10 M | $5.91 M | $4.59 M | $4.71 M |
| EPS (Basic) | $0.26 | $0.20 | $0.20 | $0.15 | $0.16 |
| EPS (Diluted) | $0.26 | $0.20 | $0.20 | $0.15 | $0.16 |
| Shares Outstanding | 30.84 M | 25.24 M | 30.25 M | 30.25 M | 30.25 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.