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FCBMFinancial Services · Banks - Regional

FCBM Stock Forecast: First Carolina Financial Services, Inc. Price Predictions for 2026-2027

Last close, 4 Nov 2026
$14
+1.50% on the day

The 3 Wall Street analysts covering First Carolina Financial Services, Inc. hold a median 12-month price target of $15 — +11.1% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 5 of 100 as at 4 Nov 2026 — in the weakest quartile. The Street sees upside; the factor read is a caution. That gap is the story on this page.

Market cap
$413.2M
Ticker Nerd rank
5/ 100
Median analyst target
$15
Analysts covering
3
Revenue$32.0M
Net income$5.1M
Free cash flow$6.1M
Quarterly, 4 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+3.6%
1M
+6.6%
From high
0.0%
From low
+9.2%
$12
$14
Range since 18 June 2026, adjusted closes · the dot is the last close
Ticker Nerd rank

FCBM stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores First Carolina Financial Services, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 4 Nov 2026
5/ 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Revisions
75
Size
55
Momentum
20
Growth
17
Value
16
Accruals
8
Issuance
7
Volatility
1
Quality
0

Revisions (75): Analysts have, on balance, been raising their forecasts.

Quality (0): Profits are thin or unreliable for the size of the business, or they are not turning into cash.

Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.

Wall Street

FCBM stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on FCBM, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, since 18 June 2026Adjusted close, US dollars
$13$13$14$14$15$15Jul 26Aug 26Sep 26Oct 26Nov 26FCBMHigh $15Median $15Low $15

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says3 analysts
3 Buy0 Hold0 Sell
Low $15Median $15High $15

The green dot is the last close — the median target sits +11.1% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
2 Nov 2026Hovde GroupUpgradeOutperform$14 → $15
17 July 2026Hovde GroupInitiatesMarket Perform$14
13 July 2026Raymond JamesInitiatesOutperform$15

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

FCBM appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
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Performance

FCBM vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

FCBM vs S&P 500, last 12 monthsTotal return, rebased to 100
98100102104106108Jul 26Aug 26Sep 26Oct 26Nov 26FCBMS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

FCBM analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingThis fiscal year
EPS revision, 90 days
+4.3%
Analysts raising
0
Analysts cutting
0
Fundamentals

First Carolina Financial Services, Inc. (FCBM) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
24.2×

Cheaper than 31% of US stocks

Price / sales
3.0×

Cheaper than 39% of US stocks

Price / book
1.0×

Cheaper than 71% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
23.1%

Higher than 72% of US stocks

Earnings growth (YoY)
11.0%

Higher than 50% of US stocks

Gross margin
—
Operating margin
32.6%

Higher than 88% of US stocks

Net margin
17.6%

Higher than 80% of US stocks

Returns & dividend
Return on equity
3.5%

Higher than 50% of US stocks

Return on assets
0.4%

Higher than 45% of US stocks

Dividend yield
0.0%

Higher than 1% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

First Carolina Financial Services, Inc. (FCBM) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • First Carolina Financial Services, Inc. has a market value of $413.2M and an enterprise value of $207.5M.

  • Revenue in the twelve months to 30 June 2026: $132.4M. The latest quarter grew 23.1% year on year.

  • Net income over the same four quarters: $20.3M, a 15.3% net margin.

  • Diluted earnings per share, trailing twelve months: $0.66.

  • Free cash flow in the twelve months to 30 June 2026: $42.4M.

  • First Carolina Financial Services, Inc. spent $40K on share buybacks in the twelve months to 30 June 2026.

  • Shares outstanding: 31.1M.

  • Trailing P/E: 24.2×; forward P/E: 9.5× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 0.00%, paying out 0% of earnings.

  • First Carolina Financial Services, Inc. employs 271 people — $489K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 5 Nov 2026

Data provided by Twelve Data

Peers

FCBM vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
FCBMFirst Carolina Financial Services, Inc.$413.2M5
FDBCFidelity D&D Bancorp, Inc.$406.8M36
CHMGChemung Financial Corp.$416.5M91
NWFLNorwood Financial Corp.$400.1M74
FNLCThe First Bancorp, Inc. (Maine)$416.8M64
NECBNortheast Community Bancorp, Inc.$419.0M77
CZFSCitizens Financial Services, Inc.$419.5M81

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own First Carolina Financial Services, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest FCBM news & analysis

First Carolina Financial Services Reports Net Income of $7.9 Million, or $0.26 Per Diluted Share, for the Third Quarter of 2026

Business Wire · 27 Oct 2026positive

First Carolina Financial Services reported third-quarter 2026 net income of $7.9 million, or $0.26 per diluted share, compared with a net loss of $2.0 million, or $0.08 per diluted share, in the third quarter of 2025.

Why it matters — The report shows a $9.9 million increase in net income year over year, a key update for FCBM watchers.

First Carolina Financial Services Announces CFO Retirement

Business Wire · 18 Sept 2026neutral

First Carolina Financial Services, Inc. announced that Steven Deaton, its Chief Financial Officer and Chief Risk Officer, plans to retire effective January 1, 2027. Chairman, President, and CEO Ron Day expressed gratitude for Deaton's contributions.

Why it matters — A leadership transition in the CFO and Chief Risk Officer roles could affect future financial reporting and risk oversight at the company and its bank subsidiary.

First Carolina Financial Services Reports Net Income of $5.1 Million, or $0.20 Per Diluted Share, for the Second Quarter of 2026

Business Wire · 30 July 2026positive

First Carolina Financial Services reported net income of $5.1 million ($0.20 per diluted share) for the second quarter of 2026, an 11% increase from $4.6 million ($0.18 per diluted share) in the same period of 2025. Per-share figures have been adjusted to reflect the company's two-for-one stock split completed on June 17, 2026.

Why it matters — The 11% year-over-year increase in net income and the completed stock split signal improved financial performance and shareholder value actions for FCBM.

FAQ

Frequently asked questions about FCBM stock

What is the FCBM stock price forecast for 2026-2027?

The 3 Wall Street analysts covering First Carolina Financial Services, Inc. have a median 12-month price target of $15, with estimates ranging from $15 to $15. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is FCBM stock a buy right now?

Of the 3 analysts covering First Carolina Financial Services, Inc., 3 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks First Carolina Financial Services, Inc. 5 out of 100 across roughly 4,600 US stocks as at 4 Nov 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank FCBM?

As at 4 Nov 2026, First Carolina Financial Services, Inc. ranks 5 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Revisions (75 of 100).

Will FCBM stock go up?

No one can know that. What the data says: the median 12-month target from 3 analysts implies +11.1% from the last close, and Ticker Nerd's factor model ranks First Carolina Financial Services, Inc. 5 out of 100 as at 4 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the FCBM stock forecast for 2030?

No analyst covering First Carolina Financial Services, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for FCBM are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $15 to $15 over the next 12 months.

What does First Carolina Financial Services, Inc. do?

First Carolina Financial Services, Inc. is a bank holding company headquartered in Raleigh, North Carolina.

What is the latest news on FCBM?

The most recent item we track (Business Wire, 27 Oct 2026): "First Carolina Financial Services Reports Net Income of $7.9 Million, or $0.26 Per Diluted Share, for the Third Quarter of 2026". First Carolina Financial Services reported third-quarter 2026 net income of $7.9 million, or $0.26 per diluted share, compared with a net loss of $2.0 million, or $0.08 per diluted share, in the third quarter of 2025.

Company

About First Carolina Financial Services, Inc.

First Carolina Financial Services, Inc. is a bank holding company headquartered in Raleigh, North Carolina. Through First Carolina Bank, it provides commercial banking, consumer banking, payments, treasury management, and wealth management services to individuals, businesses, professionals, and institutions. Its offerings include deposit accounts, commercial and real estate lending, consumer loans, credit and debit cards, online and bill pay services, remote deposit capture, merchant services, and specialized deposit solutions. The company also operates a digital banking platform focused on student and higher-education-related financial services. First Carolina Financial Services serves local and regional markets through a community banking model, combining traditional relationship banking with technology-enabled products for everyday banking and payment needs.

CEO Mr. Ronald Arvin Day · 271 employees · United States · https://www.firstcarolinabank.com