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First Bancorp (FBNC) Reports Q2 Earnings: What Key Metrics Have to Say
ZACKS· 2025-07-24 18:30
Core Insights - First Bancorp (FBNC) reported revenue of $111.02 million for the quarter ended June 2025, marking a year-over-year increase of 16% and exceeding the Zacks Consensus Estimate of $108.33 million by 2.48% [1] - The company's EPS for the same period was $0.93, up from $0.70 a year ago, and also surpassed the consensus EPS estimate of $0.88 by 5.68% [1] Financial Performance Metrics - Net Interest Margin was reported at 3.3%, higher than the estimated 2.9% by analysts [4] - Net Charge-offs remained stable at 0.1%, matching the average estimate [4] - Average Interest-Earning Assets totaled $11.68 billion, slightly below the average estimate of $11.7 billion [4] - Total Non-Interest Income was $14.34 million, exceeding the average estimate of $13.94 million [4] - Bank-Owned Life Insurance Income was $1.22 million, above the estimated $1.12 million [4] - Other service charges, commissions, and fees reached $6.6 million, surpassing the average estimate of $5.86 million [4] - Commissions from sales of insurance and financial products were $1.39 million, exceeding the estimated $1.15 million [4] - Service charges on deposit accounts were $3.98 million, slightly below the average estimate of $4.18 million [4] - Net Interest Income was reported at $96.68 million, above the average estimate of $93.78 million [4] - Fees from presold mortgage loans were $0.32 million, lower than the average estimate of $0.84 million [4] Stock Performance - Shares of First Bancorp have returned +11.2% over the past month, outperforming the Zacks S&P 500 composite's +5.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]