First Bancorp
FNLC
Rank in Stocks
#4969
First Bancorp (FBNC) functions as the parent company of First Bank, offering a... First Bancorp (FBNC) functions as the parent company of First Bank, offering a diverse array of financial solutions to individuals and small to medium-sized businesses. Its operational focus is primarily within North Carolina and the northeastern region of South Carolina. The institution provides various deposit options, such as transactional accounts (checking, savings, money market) and fixed-term products, including certificates of deposit and individual retirement accounts. For its lending portfolio, First Bank extends credit for a wide range of consumer and commercial purposes. This encompasses financing for businesses, real estate, personal needs, home improvements, and vehicle purchases, alongside residential mortgages and Small Business Administration (SBA) loans. Additionally, it offers specialized commercial funding options like accounts receivable financing, factoring, inventory financing, and purchase order financing. Beyond core banking, clients have access to credit and debit cards, letters of credit, and safe deposit box rentals. Its digital and electronic services include wire transfers, online and mobile banking platforms, cash management tools, telephone banking, and remote check deposit capabilities. Furthermore, First Bancorp provides investment and insurance products, featuring mutual funds, annuities, various insurance policies (long-term care, life, property, and casualty), and company retirement plans. Comprehensive financial planning services are also available. As of December 31, 2021, the company maintained an extensive network of 121 branches, with 114 located in North Carolina and 7 in South Carolina. First Bancorp was established in 1934 and its corporate headquarters are situated in Southern Pines, North Carolina.
Share Price
$37.08
Last synced: 2026-11-09
Market Cap
$2.70B
Change (1 day)
1.84%
Change (1 year)
45.41%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
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Category
Financial Services
Operating Margin for First Bancorp (FNLC)
Operating Margin as of November 2026 TTM: 24.70%
According to First Bancorp's latest financial reports, its current operating margin (TTM) is 24.70%. At the end of 2025 the company had an operating margin of 23.61%.
Operating Margin history for First Bancorp from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 24.70% | 4.62% |
| 2025 | 23.61% | 19.85% |
| 2024 | 19.70% | -20.76% |
| 2023 | 24.86% | -42.33% |
| 2022 | 43.11% | -5.29% |
| 2021 | 45.52% | 34.44% |
| 2020 | 33.86% | 3.90% |
| 2019 | 32.59% | -2.69% |
| 2018 | 33.49% | -6.19% |
| 2017 | 35.70% | -3.30% |
| 2016 | 36.92% | 7.17% |
| 2015 | 34.45% | 10.95% |
| 2014 | 31.05% | 17.48% |
| 2013 | 26.43% | 3.85% |
| 2012 | 25.45% | 6.26% |
| 2011 | 23.95% | -1.80% |
| 2010 | 24.39% | 4.45% |
| 2009 | 23.35% | -3.75% |
| 2008 | 24.26% | 8.16% |
| 2007 | 22.43% | -2.61% |
| 2006 | 23.03% | -23.49% |
| 2005 | 30.10% | -11.13% |
| 2004 | 33.87% | 6.61% |
| 2003 | 31.77% | 18.50% |
| 2002 | 26.81% | 17.90% |
| 2001 | 22.74% | 8.08% |
| 2000 | 21.04% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -97.80% |
CN
|
|
| 57.52% | -97.67% |
IT
|
|
| 21.82% | -99.12% |
IN
|
|
| 26.74% | -98.92% |
IN
|
|
| 20.55% | -99.17% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about First Bancorp's operating margin
What is First Bancorp's operating margin?
First Bancorp's operating margin is 24.70%, as of Nov 2026.
What was First Bancorp's operating margin in 2025?
In 2025, First Bancorp's operating margin was 23.61%, compared with 19.70% in 2024.
How has First Bancorp's operating margin changed since 2020?
From 2020 to 2025, First Bancorp's operating margin was highest in 2021 (45.52%) and lowest in 2024 (19.70%).
How does First Bancorp's operating margin compare with similar companies?
First Bancorp's operating margin (24.70%) is higher than that of 2 of the 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.