What is FCBM's P/E ratio?

First Carolina Financial Services, Inc. (FCBM) currently trades at a P/E ratio of 36.24.

First Carolina Financial Services, Inc. reports a Return on Equity (ROE) of 3.00%.

What is FCBM's dividend yield?

First Carolina Financial Services, Inc. offers a dividend yield of 0.00%.

What is FCBM's Quality Score?

Our AI rates FCBM's overall financial quality at 31 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy FCBM?

Our AI Timing Score for FCBM is 55 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does FCBM belong to?

First Carolina Financial Services, Inc. is classified under the Financial Services >> Banks - Regional sector on the NYSE exchange

First Carolina Financial Services, Inc. (FCBM) Stock Price

Stock Check Daily update data at 8:30 AM
(Price: 2026-08-04 | FS: 2026-03-31)

FCBM AI Analysis Summary

Our AI summary for FCBM: First Carolina Financial Services, Inc. (NYSE), Financial Services >> Banks - Regional sector. The stock currently trades at a P/E of 36.24, ROE of 3.00%, a dividend yield of 0.00%. Its financial Quality Score stands at 31/100 — fundamentals below the market average. The AI Timing Score is 55/100 — technical signals are mixed; watch for a clearer trend. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

FCBM

First Carolina Financial Services, Inc.

USD 12.69

-0.03 (-0.24%) Day Change

Watchlist Portfolio Compare Chart

36.24

P/E

0.18

D/E

3.0%

ROE

0.3%

ROA

0.00%

Div Yield

FIRST CAROLINA FINANCIAL SERVICES, INC.
TYPE: STOCK
MARKET: NYSE

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USD 12.69 Price -0.03 (-0.24%) Day Change	NEWS SCORE: 97

FCBM, the overall quality is not good ( Quality = 31) and the timing to buy is ...(Sign In to See)...

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31 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROE is relatively low
Negative growth of ROE in the last year.
Historical ROA is relatively low.
Acceleration of ROA growth rate is below our criteria.
Historical ROA is relatively low.
Historical ROA is relatively low.

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not good , financial health is not good , and ability to make profit is ok , ...

Quality Factors

45%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	97
Magic Formula Rank by ROA	2939
Magic Formula Rank by ROE	2939
Magic Formula Rank by ROIC	2987
Price	12.69
PBV / Sector	1.09 / 1.34 GREAT
Earning Per Share	0.35

PE / Sector	36.24 / 13.69
PEG or PE/Growth / Sector	N/A / 0.01
Average 1M Daily Value	0.99 M GREAT
Average 1W Daily Value	1.10 M GREAT

Timing Factors

71%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

45%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

68%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	12.92 / 25.98
NPM Average (%) / Sector	19.76 / 20,092.93 GREAT
NPM Change Average (%) / Sector	12.67 / 20.72 GOOD
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	0.31 / 1,212.43
ROA Average (%) / Sector	0.52 / 243.35
ROA Change Average (%) / Sector	-22.19 / 41,311.11
ROE (%) / Sector	3.00 / 2,096.47
ROE Average (%) / Sector	5.01 / 427.43
ROE Change Average (%) / Sector	-24.36 / 5,460.63
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

Dividend (%) / Sector	N/A / 2.49
Dividend Average (%) / Sector	N/A / 46.24
Dividend Change Average (%) / Sector	N/A / -0.22

Registration Details

Analyze Date	2026-08-05 08:00:11
Symbol	FCBM
Name	FIRST CAROLINA FINANCIAL SERVICES, INC.
Sector	Financial Services >> Banks - Regional
Market	NYSE
Listed Shares	30.25 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	384.73 / 7,069.04

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: 2626 Glenwood Avenue, Raleigh, NC, United States, 27608

Phone: 252 937 2152

Website: https://www.firstcarolinabank.com

Employees: 269

Sector: Financial Services >> Banks - Regional

Description: First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services in the United States. It operates through two segments, Community Banking and BM Tech business line. The company offers business services including checking, savings, money market deposit accounts, certificates of deposit, individual retirement accounts, and large deposit insurance; commercial financing and real estate loans and consumer loans; credit and debit cards; online banking and bill pay services; remote deposit capture, treasury management, merchant services, and wealth management services; attorney advantage accounts and interest on lawyer trust accounts; payments services; consumer banking; real estate banking; commercial and industrial banking; higher education disbursements; BankMobile platform; and retail banking services. It serves small and medium-sized businesses, individuals, professionals, and institutions. The company was incorporated in 2009 and is headquartered in Raleigh, North Carolina.