First Carolina Financial Services, Inc. (FCBM) Stock Price & Analysis
First Carolina Financial Services, Inc. (FCBM) closed at USD 12.63 on Thursday, October 15, 2026, up 0.56% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 12.56; the Oct 15, 2026 session ranged USD 12.56–12.74 on volume of 72,356 shares. Market capitalization is $392.40M, with a 52-week range of USD 12.17–13.4 (NYQ). Source: Nexqual, retrieved October 16, 2026 at 05:21 UTC.
Also available as compact Markdown for AI agents: nexqual.com/FCBM.md
Key facts (FCBM)
- Analysts: Buy (mean 1.67 on a 1–5 scale) (3 analysts), mean target USD 14.67 (range 14–15).
- Total return with dividends: 1Y +0.2% vs S&P 500 +18.1%; 5Y +0.2% vs S&P 500 +85.1%.
- Next earnings: 2026-10-27, EPS estimate USD 0.22, revenue estimate $36.0M.
Analysts (FCBM)
Consensus Buy (mean 1.67 on a 1–5 scale), 3 analysts; mean target USD 14.67 (low 14, high 15).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-07-17 | Hovde Group | Initiated | Market Perform | $14 |
| 2026-07-13 | Raymond James | Initiated | Outperform | $15 |
Total return (dividends reinvested) (FCBM)
| 1Y (from 2026-06-18) | 5Y (from 2026-06-15) | |
|---|---|---|
| Total return | +0.2% | +0.2% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | — | — |
| Volatility (annualized) | 17.0% | 9.0% |
| Max drawdown | -6.7% (Jun 2026→Jul 2026) | -3.3% (Jun 2026→Aug 2026) |
Key Statistics (as of October 16, 2026 at 05:21 UTC)
| Price | USD 12.63 |
|---|---|
| Change | ▲ 0.56% (up) |
| Previous Close | USD 12.56 |
| Open | USD 12.64 |
| Day Range | USD 12.56 – 12.74 |
| 52-Week Range | USD 12.17 – 13.4 |
| Volume | 72,356 shares |
| Market Cap | $392.40M |
| Exchange | NYQ |
Technical Analysis (FCBM)
Nexqual's technical model rates FCBM "STRONG SELL" based on 0 bullish and 5 bearish signals across 83 daily candles, as of October 16, 2026 at 05:21 UTC.
| Overall Signal | STRONG SELL |
|---|---|
| RSI (14) | 48.61 (neutral) |
| vs SMA50 | Below (USD 12.7) |
| MACD | -0.02 (negative) |
Analyst Ratings (FCBM)
Wall Street analysts rate FCBM "Buy" based on 3 analysts, with a mean price target of USD 14.67 (range USD 14–15), per Nexqual as of October 16, 2026 at 05:21 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 14.67 |
| High Target | USD 15 |
| Low Target | USD 14 |
| Buy / Hold / Sell | 2 / 1 / 0 |
Earnings (FCBM)
| Next Earnings Date | 2026-10-27 |
|---|---|
| EPS Estimate | USD 0.22 |
| Revenue Estimate | $36.03M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.2 vs est 0.21 ▼ miss |
Source: Nexqual, October 16, 2026 at 05:21 UTC.
Financials & Fundamentals (FCBM)
| Total Revenue | $128.85M |
|---|---|
| Revenue Growth (latest quarter, YoY) | -13.30% |
| Gross Margin | +0.00% |
| Operating Margin | +28.95% |
| Profit Margin | +10.80% |
| Total Cash | $118.82M |
| Total Debt | $120.30M |
Source: Nexqual, October 16, 2026 at 05:21 UTC.
Financial Health Score (FCBM)
Nexqual rates First Carolina Financial Services, Inc.'s overall financial health "Weak" across five dimensions, as of October 16, 2026 at 05:21 UTC.
| Growth | Critical — Revenue -13% YoY (latest Q), sharp decline |
|---|---|
| Profitability | Weak — Pre-revenue or very early stage |
| Balance Sheet | Mixed — $119M cash vs $120M debt |
| Cash Flow | Solid — Operating cash flow $29M (TTM) |
| Efficiency | Mixed — No data |
Ownership (FCBM)
| Insider Ownership | +19.44% |
|---|---|
| Institutional Ownership | +22.84% |
| Shares Outstanding | 31.07M |
| Float | 25.00M |
| Short % of Float | +0.65% |
Source: Nexqual, October 16, 2026 at 05:21 UTC.
Leadership (FCBM)
First Carolina Financial Services, Inc. is led by Ronald Arvin Day (age 59), President, CEO & Chairman, per Nexqual as of October 16, 2026 at 05:21 UTC.
| President, CEO & Chairman | Ronald Arvin Day (age 59) |
|---|---|
| Chief Risk Officer & CFO | Steven G. Deaton (age 62) |
| Chief Operating Officer | Kristen Dawn Brabble (age 34) |
| Chief Revenue and Strategy Officer | D. Andrew Mathieson (age 62) |
Major Backers & Investors (FCBM)
Notable institutional backers of First Carolina Financial Services, Inc. include BANC FUNDS CO LLC, Wellington Management, Mendon Capital Advisors Corp, according to Nexqual as of October 16, 2026 at 05:21 UTC.
Active Investors
| Investor | Stake |
|---|---|
| BANC FUNDS CO LLC | 4.31% |
| Wellington Management | 3.8% |
| Mendon Capital Advisors Corp | 2.25% |
| Curi Capital LLC | 2.07% |
| RMB Investors Trust-RMB Mendon Financial Services Fund | 2.07% |
| Endeavour Capital Advisors Inc | 1.54% |
| Adage Capital Partners GP L.L.C. | 1.37% |
| Emerald Mutual Fund Advisers Trust | 1.33% |
Source: Nexqual, October 16, 2026 at 05:21 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 4.03 | ▼ 3.82% |
| FITB | Fifth Third Bancorp | USD 50.35 | ▲ 0.26% |
| TFC | Truist Financial Corporation | USD 46.57 | ▲ 1.42% |
| DB | Deutsche Bank AG | USD 32.86 | ▼ 1.44% |
| NWG | NatWest Group plc | USD 17.47 | ▼ 1.02% |
| NU | Nu Holdings Ltd. | USD 14.73 | ▼ 5.46% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 16, 2026 at 05:21 UTC. This page is informational and not investment advice.
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