FBNC First Bancorp margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 90

Gross margin

100%

Operating margin

45%

EBITDA margin

47.6%

Net margin

36.2%

For the latest period, First Bancorp has a gross margin of 100%, an operating margin of 45%, an EBITDA margin of 47.6%, and a net margin of 36.2%. The biggest improvement was in operating margin, up 9.5 percentage points; the remaining margins held steady.

FBNC margin history

Gross, operating, EBITDA and net margin trends

First Bancorp's margins averaged 100% gross, 36.53% operating, 40.48% EBITDA, and 28.8% net over the last 3 years. The current figures show operating, EBITDA, and net margins are above their three-year averages.

FBNC margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 9.5 percentage points, EBITDA margin by 8.5 percentage points, and net margin by 9.1 percentage points. Gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

9.5pp

EBITDA margin expansion

8.5pp

Net margin expansion

9.1pp

FBNC Gross margin

First Bancorp's gross margin averaged 100% across the past 3 years. Compared with its three-year average, First Bancorp's current gross margin is 100% and is in line with its three-year average. Over the last 3 years, First Bancorp's gross margin peaked at 100% in Sep 2026 and reached a low of 100% in Dec 2023.

FBNC Operating margin

First Bancorp's operating margin averaged 36.53% over the last 3 years. The current operating margin stands at 45%, 8.5 percentage points above its three-year average. Over the last 3 years, First Bancorp's operating margin peaked at 45% in Sep 2026 and reached a low of 29.4% in Dec 2024.

FBNC EBITDA margin

Over the last 3 years, the average EBITDA margin for First Bancorp was 40.48%. The latest EBITDA margin for First Bancorp is 47.6%, 7.1 percentage points above its three-year average. First Bancorp's EBITDA margin ranged from a low of 34.2% in Dec 2024 to a high of 47.6% in Sep 2026.

FBNC Net margin

Over the last 3 years, the average net margin for First Bancorp was 28.8%. The latest net margin for First Bancorp is 36.2%, 7.4 percentage points above its three-year average. First Bancorp's net margin ranged from a low of 22.8% in Dec 2024 to a high of 36.2% in Sep 2026.

FBNC margin group comparison

Margins compared with peer-group, industry and sector averages

First Bancorp's gross margin of 100% is higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 83.5%, First Bancorp's gross margin is 20% higher.

FBNC margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is First Bancorp's gross margin?

As of Sep 30, 2026, FBNC has a gross margin of 100%.

What is First Bancorp's operating margin?

For the period ending Sep 30, 2026, FBNC recorded an operating margin of 45%.

What is First Bancorp's EBITDA margin?

The current EBITDA margin for FBNC is 47.6% as of Sep 30, 2026.

What is First Bancorp's net margin?

For the period ending Sep 30, 2026, FBNC recorded a net margin of 36.2%.

What are the average margins of FBNC?

Looking back over 3 years, FBNC recorded average margins of 100.0% gross, 36.5% operating, 40.5% EBITDA, and 28.8% net.

What are the highest historical margins of FBNC?

Looking back across 5 years, FBNC reached 100% gross in Sep 2026, 48.7% operating in Dec 2022, 52% EBITDA in Dec 2022, and 38.6% net in Dec 2022.

What are the lowest historical margins of FBNC?

In the last 5 years, the lowest margins reported by FBNC were 100% gross in Dec 2021, 29.4% operating in Dec 2024, 34.2% EBITDA in Dec 2024, and 22.8% net in Dec 2024.