First Bank(US:FBNC) ZACKS·2026-01-22 01:00Core Insights - First Bancorp reported revenue of $83.9 million for the quarter ended December 2025, reflecting an 18.1% decrease year-over-year [1] - The company's EPS was $1.19, an increase from $0.76 in the same quarter last year, resulting in an EPS surprise of +15.53% against a consensus estimate of $1.03 [1] - Revenue fell short of the Zacks Consensus Estimate of $121.95 million, indicating a surprise of -31.2% [1] Financial Metrics - Net Charge-offs were reported at 0.1%, better than the estimated 0.2% by analysts [4] - Net Interest Margin stood at 3.6%, matching the average estimate from analysts [4] - Average Interest-Earning Assets totaled $11.79 billion, slightly below the estimated $11.87 billion [4] - Bank-Owned Life Insurance Income was $1.38 million, exceeding the estimated $1.15 million [4] - Total Non-Interest Income reached $21.42 million, significantly higher than the average estimate of $14.63 million [4] - Other service charges, commissions, and fees amounted to $5.65 million, below the estimated $6.21 million [4] - Service charges on deposit accounts were $4.27 million, slightly above the estimated $4.16 million [4] - Commissions from sales of insurance and financial products were $1.8 million, slightly above the estimated $1.77 million [4] Stock Performance - Shares of First Bancorp have returned +10.5% over the past month, outperforming the Zacks S&P 500 composite, which changed by -0.4% [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]