First Bancorp profit margin FBNC
Gross, operating and net profit as a share of revenue over the last twelve months, from 2011.
- Net margin, 12 months
- 31.5%
- Net margin on a year earlier
- +5.9 pts
- Peer median
- 31.2%
Over the twelve months to Jun 30, 2026, First Bancorp kept 31.5% of its revenue as net profit.
Five years earlier its net margin was 33.9%.
The median for 10 regional banks of a similar size is 31.2%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin |
|---|---|
| FY2025 | 28.5% |
| FY2024 | 21.8% |
| FY2023 | 25.8% |
| FY2022 | 37.4% |
| FY2021 | 29.9% |
| FY2020 | 27.2% |
| FY2019 | 33.4% |
| FY2018 | 33.5% |
| FY2017 | 21.5% |
| FY2016 | 18.5% |
| FY2015 | 19.5% |
| FY2014 | 17.1% |
| FY2013 | 12.9% |
| FY2012 | −17.1% |
| FY2011 | 4.7% |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year |
|---|---|---|---|
| Q2 FY26 | 31.5% | +5.9 pts | |
| Q1 FY26 | 29.8% | +5.8 pts | |
| Q4 FY25 | 28.5% | +6.7 pts | |
| Q3 FY25 | 26.6% | −0.2 pts | |
| Q2 FY25 | 25.6% | −3.9 pts | |
| Q1 FY25 | 24.0% | −5.3 pts | |
| Q4 FY24 | 21.8% | −4.0 pts | |
| Q3 FY24 | 26.8% | −1.0 pts | |
| Q2 FY24 | 29.5% | −0.1 pts | |
| Q1 FY24 | 29.3% | −2.5 pts | |
| Q4 FY23 | 25.8% | −11.6 pts | |
| Q3 FY23 | 27.8% | −3.3 pts |
Against its peers
Companies in Banks - Regional nearest First Bancorp's size, closest first, today.
| Company | Profit margin |
|---|---|
| FBNCFirst Bancorp | 31.5% |
| FBKFB Financial | 28.1% |
| BOHBank of Hawaii | 30.9% |
| BBTBeacon Financial | n/m |
| BUSEFirst Busey | 29.3% |
| CUBICustomers Bancorp | 31.6% |
| SYBTStock Yards Bancorp | 35.3% |
| BANRBanner | n/m |
| PFSProvident Financial Services | 34.5% |
| FHBFirst Hawaiian | 31.5% |
| BKUBankUnited | 24.4% |
| Peer median | 31.2% |
Where First Bancorp ranks
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on First Bancorp
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.