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FCBMFinancial Services · Banks - Regional

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

Last close, 3 Aug 2026
$13
+1.68% on the day

The 3 Wall Street analysts covering First Carolina Financial Services, Inc. hold a median 12-month price target of $15 — +17.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 3 of 100 as at 1 Aug 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
$378.4M
Ticker Nerd rank
3 / 100
Median analyst target
$15
Analysts covering
3
Total return, dividends reinvested
1W
+2.0%
1M
−1.5%
From high
−3.9%
From low
+2.9%
$12
$13
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 1 Aug 2026
3 / 100

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

Size
57
Revisions
49
Value
16
Growth
16
Accruals
8
Issuance
8
Momentum
7
Volatility
0
Quality
0

Size (57): Smaller than most of the companies we track.

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

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.

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$15Jun 26Jun 26Jul 26Jul 26Jul 26Jul 26Aug 26FCBMHigh $15Median $15Low $14

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

What Wall Street says3 analysts
2 Buy1 Hold0 Sell
Low $14Median $15High $15

The green dot is the last close — the median target sits +17.9% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
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.

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 movingNext fiscal year
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
28.4×

Cheaper than 29% of US stocks

Price / sales
2.8×

Cheaper than 43% of US stocks

Price / book
0.9×

Cheaper than 76% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
1.9%

Higher than 34% of US stocks

Earnings growth (YoY)
25.6%

Higher than 66% of US stocks

Gross margin
—
Operating margin
31.0%

Higher than 89% of US stocks

Net margin
10.0%

Higher than 70% of US stocks

Returns & dividend
Return on equity
3.5%

Higher than 51% of US stocks

Return on assets
0.4%

Higher than 45% of US stocks

Dividend yield
—

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

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.$378.4M
3
MVBFMVB Financial Corp.$390.2M
88
CHMGChemung Financial Corp.$390.7M
95
FNLCThe First Bancorp, Inc. (Maine)$393.8M
74
USCBUSCB Financial Holdings, Inc.$397.9M
76
FRSTPrimis Financial Corp.$398.6M
75
PCBPCB Bancorp$399.9M
91
Market Radar

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

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. FCBM appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

News

Latest FCBM news & analysis

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 $14 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., 2 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks First Carolina Financial Services, Inc. 3 out of 100 across roughly 4,600 US stocks as at 1 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank FCBM?

As at 1 Aug 2026, First Carolina Financial Services, Inc. ranks 3 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 Size (57 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 +17.9% from the last close, and Ticker Nerd's factor model ranks First Carolina Financial Services, Inc. 3 out of 100 as at 1 Aug 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: $14 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, founded in 2012.

What is the latest news on FCBM?

The most recent item we track (Business Wire, 30 July 2026): "First Carolina Financial Services Reports Net Income of $5.1 Million, or $0.20 Per Diluted Share, for the Second Quarter of 2026". 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.

Company

About First Carolina Financial Services, Inc.

First Carolina Financial Services, Inc. is a bank holding company headquartered in Raleigh, North Carolina, founded in 2012. The company operates primarily through First Carolina Bank, a regional financial institution with a commercial lending focus and a footprint across North Carolina, South Carolina, Virginia, and Georgia. First Carolina Financial Services, Inc. provides a broad range of financial services, including commercial and corporate banking, commercial real estate banking, consumer and business lending, cash management, payment solutions, and wealth management. Its offerings span checking and savings accounts, money market products, certificates of deposit, online and mobile banking, remote deposit, merchant services, and treasury management tools for businesses. The institution serves small and mid-sized businesses, professionals, and individual consumers, positioning itself as a high-touch community and regional banking platform within the U.S. Southeast, with an emphasis on relationship-based banking and tailored financial solutions.

CEO Mr. Ronald Arvin Day · 263 employees · United States · https://www.firstcarolinabank.com