{ "ticker": { "uuid": "f3b0a0b5-5553-478a-9314-c4b784c281ff", "symbol": "FCBM", "name": "First Carolina Financial Services, Inc.", "exchange": "NYSE", "exchange_name": "NYSE", "country": "US", "currency": "USD", "sector": "Financial Services", "industry": "Banks - Regional", "page_url": "https://sharemaestro.com/factors/ticker/f3b0a0b5-5553-478a-9314-c4b784c281ff/", "api_url": "https://sharemaestro.com/factors/api/tickers/f3b0a0b5-5553-478a-9314-c4b784c281ff/" }, "latest_snapshot": { "ticker": { "uuid": "f3b0a0b5-5553-478a-9314-c4b784c281ff", "symbol": "FCBM", "name": "First Carolina Financial Services, Inc.", "exchange": "NYSE", "exchange_name": "NYSE", "country": "US", "currency": "USD", "sector": "Financial Services", "industry": "Banks - Regional", "page_url": "https://sharemaestro.com/factors/ticker/f3b0a0b5-5553-478a-9314-c4b784c281ff/", "api_url": "https://sharemaestro.com/factors/api/tickers/f3b0a0b5-5553-478a-9314-c4b784c281ff/" }, "week_end_date": "2026-07-19", "universe": "USD_US", "score": { "os": 0.74, "value": 0.76, "quality": 0.27, "momentum": 0.63, "coverage": 0.697, "confidence": 0.675, "delta": -11 }, "headline_factors": { "price": 12.85, "market_cap": 388657913.2, "pe_ratio": 31.8546, "earnings_yield": 0.0594, "ebitda_to_ev": 0.0782, "shareholder_yield": 0.0181, "roe": 0.0345, "piotroski_f_score": 6, "momentum_12_1": null, "volatility_252d": null }, "strategy_flags": { "market_leader": false, "cornerstone_value": false, "cornerstone_growth": false, "tiny_titan": false, "all_cap_buyback": false, "small_cap_core": false, "veiled_value": false, "earnings_consistent_5y": false }, "factor_groups": { "valuation": { "pe_ratio": 31.8546, "ev_ebitda": 12.7837, "earnings_yield": 0.0594, "fcf_yield": 0.1521, "shareholder_yield": 0.0181 }, "quality": { "roe": 0.0345, "roic": 0.0539, "gross_margin": 0.5304, "fcf_margin": 0.1879, "piotroski_f_score": 6 }, "growth": { "revenue_growth_1y": 1.963, "eps_growth_1y": -0.4166, "fcf_growth_1y": -0.403 }, "momentum": { "price_return_12m": null, "momentum_12_1": null, "relative_strength": null }, "scores": { "value_percentile": 0.76, "quality_percentile": 0.27, "momentum_percentile": 0.63, "growth_composite": 31, "yield_composite": 69, "overall_composite": 26, "os_score": 0.74, "factor_coverage": 0.697, "signal_confidence": 0.675 } } }, "factor_history": [ { "week_end_date": "2026-07-12", "price": 12.65, "os": 0.63, "value": 0.76, "quality": 0.31, "momentum": 0.38, "confidence": 0.683, "coverage": 0.697, "pe_ratio": 31.3588, "earnings_yield": 0.0608, "shareholder_yield": 0.0184, "roe": 0.0345, "momentum_12_1": null }, { "week_end_date": "2026-07-19", "price": 12.85, "os": 0.74, "value": 0.76, "quality": 0.27, "momentum": 0.63, "confidence": 0.675, "coverage": 0.697, "pe_ratio": 31.8546, "earnings_yield": 0.0594, "shareholder_yield": 0.0181, "roe": 0.0345, "momentum_12_1": null } ], "financial_periods": { "annual": [ { "period_end_date": "2025-12-31", "period_type": "annual", "fiscal_year": 2025, "fiscal_quarter": null, "currency_reported": "USD", "is_restated": false, "income_statement": { "revenue": 211961000, "cost_of_revenue": 99534000, "gross_profit": 112427000, "ebit": 15554000, "ebitda": 20479000, "pretax_income": 15554000, "tax_provision": 3353000, "net_income": 12201000, "net_income_to_common": 12201000, "eps_basic": null, "eps_diluted": null, "shares_basic": null, "shares_diluted": null }, "balance_sheet": { "cash_and_equivalents": 134116000, "total_current_assets": null, "total_assets": 3317508000, "short_term_debt": 75000000, "long_term_debt": 63436000, "total_debt": 138436000, "total_liabilities": 2970583000, "total_equity": 346925000, "shares_outstanding": 30245752, "goodwill_and_intangibles": 78747000 }, "cash_flow": { "operating_cash_flow": 35925000, "capital_expenditure": 3894000, "free_cash_flow": 39819000, "dividends_paid": null, "share_repurchases": -7040000, "shares_issued": 0, "net_debt_issued": null } }, { "period_end_date": "2025-12-31", "period_type": "annual", "fiscal_year": 2025, "fiscal_quarter": null, "currency_reported": "USD", "is_restated": false, "income_statement": { "revenue": 211961000, "cost_of_revenue": 99534000, "gross_profit": 112427000, "ebit": 15554000, "ebitda": 20479000, "pretax_income": 15554000, "tax_provision": 3353000, "net_income": 12201000, "net_income_to_common": 12201000, "eps_basic": null, "eps_diluted": null, "shares_basic": null, "shares_diluted": null }, "balance_sheet": { "cash_and_equivalents": 134116000, "total_current_assets": null, "total_assets": 3317508000, "short_term_debt": 75000000, "long_term_debt": 63436000, "total_debt": 138436000, "total_liabilities": 2970583000, "total_equity": 346925000, "shares_outstanding": 30245752, "goodwill_and_intangibles": 78747000 }, "cash_flow": { "operating_cash_flow": 35925000, "capital_expenditure": 3894000, "free_cash_flow": 39819000, "dividends_paid": null, "share_repurchases": -7040000, "shares_issued": 0, "net_debt_issued": null } }, { "period_end_date": "2024-12-31", "period_type": "annual", "fiscal_year": 2024, "fiscal_quarter": null, "currency_reported": "USD", "is_restated": false, "income_statement": { "revenue": 71535000, "cost_of_revenue": null, "gross_profit": 71535000, "ebit": null, "ebitda": null, "pretax_income": 26439000, "tax_provision": 5527000, "net_income": 20912000, "net_income_to_common": 20912000, "eps_basic": null, "eps_diluted": null, "shares_basic": null, "shares_diluted": null }, "balance_sheet": { "cash_and_equivalents": 168055000, "total_current_assets": null, "total_assets": 3039338000, "short_term_debt": 100000000, "long_term_debt": 63329000, "total_debt": 163329000, "total_liabilities": 2702021000, "total_equity": 337317000, "shares_outstanding": 30245752, "goodwill_and_intangibles": 1792000 }, "cash_flow": { "operating_cash_flow": 61943000, "capital_expenditure": 4759000, "free_cash_flow": 66702000, "dividends_paid": null, "share_repurchases": 0, "shares_issued": 44809000, "net_debt_issued": null } }, { "period_end_date": "2024-12-31", "period_type": "annual", "fiscal_year": 2024, "fiscal_quarter": null, "currency_reported": "USD", "is_restated": false, "income_statement": { "revenue": 71535000, "cost_of_revenue": null, "gross_profit": 71535000, "ebit": null, "ebitda": null, "pretax_income": 26439000, "tax_provision": 5527000, "net_income": 20912000, "net_income_to_common": 20912000, "eps_basic": null, "eps_diluted": null, "shares_basic": null, "shares_diluted": null }, "balance_sheet": { "cash_and_equivalents": 168055000, "total_current_assets": null, "total_assets": 3039338000, "short_term_debt": 100000000, "long_term_debt": 63329000, "total_debt": 163329000, "total_liabilities": 2702021000, "total_equity": 337317000, "shares_outstanding": 30245752, "goodwill_and_intangibles": 1792000 }, "cash_flow": { "operating_cash_flow": 61943000, "capital_expenditure": 4759000, "free_cash_flow": 66702000, "dividends_paid": null, "share_repurchases": 0, "shares_issued": 44809000, "net_debt_issued": null } }, { "period_end_date": "2023-12-31", "period_type": "annual", "fiscal_year": 2023, "fiscal_quarter": null, "currency_reported": "USD", "is_restated": false, "income_statement": { "revenue": 63057000, "cost_of_revenue": null, "gross_profit": 63057000, "ebit": null, "ebitda": null, "pretax_income": 24697000, "tax_provision": 5069000, "net_income": 19628000, "net_income_to_common": 19628000, "eps_basic": null, "eps_diluted": null, "shares_basic": null, "shares_diluted": null }, "balance_sheet": { "cash_and_equivalents": 160970000, "total_current_assets": null, "total_assets": 2725375000, "short_term_debt": 0, "long_term_debt": 63223000, "total_debt": 63223000, "total_liabilities": 2457002000, "total_equity": 268373000, "shares_outstanding": 30245752, "goodwill_and_intangibles": 1792000 }, "cash_flow": { "operating_cash_flow": -30693000, "capital_expenditure": 7068000, "free_cash_flow": -23625000, "dividends_paid": null, "share_repurchases": -44000, "shares_issued": null, "net_debt_issued": null } }, { "period_end_date": "2023-12-31", "period_type": "annual", "fiscal_year": 2023, "fiscal_quarter": null, "currency_reported": "USD", "is_restated": false, "income_statement": { "revenue": 63057000, "cost_of_revenue": null, "gross_profit": 63057000, "ebit": null, "ebitda": null, "pretax_income": 24697000, "tax_provision": 5069000, "net_income": 19628000, "net_income_to_common": 19628000, "eps_basic": null, "eps_diluted": null, "shares_basic": null, "shares_diluted": null }, "balance_sheet": { "cash_and_equivalents": 160970000, "total_current_assets": null, "total_assets": 2725375000, "short_term_debt": 0, "long_term_debt": 63223000, "total_debt": 63223000, "total_liabilities": 2457002000, "total_equity": 268373000, "shares_outstanding": 30245752, "goodwill_and_intangibles": 1792000 }, "cash_flow": { "operating_cash_flow": -30693000, "capital_expenditure": 7068000, "free_cash_flow": -23625000, "dividends_paid": null, "share_repurchases": -44000, "shares_issued": null, "net_debt_issued": null } } ], "quarterly": [ { "period_end_date": "2026-03-31", "period_type": "quarterly", "fiscal_year": 2026, "fiscal_quarter": 1, "currency_reported": "USD", "is_restated": false, "income_statement": { "revenue": 50706000, "cost_of_revenue": 19816000, "gross_profit": 30890000, "ebit": 7334000, "ebitda": 8769000, "pretax_income": 7334000, "tax_provision": 1423000, "net_income": 5911000, "net_income_to_common": 5911000, "eps_basic": null, "eps_diluted": null, "shares_basic": null, "shares_diluted": null }, "balance_sheet": { "cash_and_equivalents": 190323000, "total_current_assets": null, "total_assets": 3418377000, "short_term_debt": 0, "long_term_debt": 63463000, "total_debt": 63463000, "total_liabilities": 3065023000, "total_equity": 353354000, "shares_outstanding": 30245752, "goodwill_and_intangibles": 69702000 }, "cash_flow": { "operating_cash_flow": 13313000, "capital_expenditure": 258000, "free_cash_flow": 13571000, "dividends_paid": null, "share_repurchases": -1000, "shares_issued": null, "net_debt_issued": null } }, { "period_end_date": "2026-03-31", "period_type": "quarterly", "fiscal_year": 2026, "fiscal_quarter": 1, "currency_reported": "USD", "is_restated": false, "income_statement": { "revenue": 50706000, "cost_of_revenue": 19816000, "gross_profit": 30890000, "ebit": 7334000, "ebitda": 8769000, "pretax_income": 7334000, "tax_provision": 1423000, "net_income": 5911000, "net_income_to_common": 5911000, "eps_basic": null, "eps_diluted": null, "shares_basic": null, "shares_diluted": null }, "balance_sheet": { "cash_and_equivalents": 190323000, "total_current_assets": null, "total_assets": 3418377000, "short_term_debt": 0, "long_term_debt": 63463000, "total_debt": 63463000, "total_liabilities": 3065023000, "total_equity": 353354000, "shares_outstanding": 30245752, "goodwill_and_intangibles": 69702000 }, "cash_flow": { "operating_cash_flow": 13313000, "capital_expenditure": 258000, "free_cash_flow": 13571000, "dividends_paid": null, "share_repurchases": -1000, "shares_issued": null, "net_debt_issued": null } }, { "period_end_date": "2025-03-31", "period_type": "quarterly", "fiscal_year": 2025, "fiscal_quarter": 1, "currency_reported": "USD", "is_restated": false, "income_statement": { "revenue": 31480000, "cost_of_revenue": null, "gross_profit": 31480000, "ebit": null, "ebitda": null, "pretax_income": 5824000, "tax_provision": 1119000, "net_income": 4705000, "net_income_to_common": 4705000, "eps_basic": null, "eps_diluted": null, "shares_basic": null, "shares_diluted": null }, "balance_sheet": { "cash_and_equivalents": null, "total_current_assets": null, "total_assets": null, "short_term_debt": null, "long_term_debt": null, "total_debt": null, "total_liabilities": null, "total_equity": null, "shares_outstanding": 30245752, "goodwill_and_intangibles": null }, "cash_flow": { "operating_cash_flow": 19856000, "capital_expenditure": 1843000, "free_cash_flow": 21699000, "dividends_paid": null, "share_repurchases": 0, "shares_issued": 0, "net_debt_issued": null } }, { "period_end_date": "2025-03-31", "period_type": "quarterly", "fiscal_year": 2025, "fiscal_quarter": 1, "currency_reported": "USD", "is_restated": false, "income_statement": { "revenue": 31480000, "cost_of_revenue": null, "gross_profit": 31480000, "ebit": null, "ebitda": null, "pretax_income": 5824000, "tax_provision": 1119000, "net_income": 4705000, "net_income_to_common": 4705000, "eps_basic": null, "eps_diluted": null, "shares_basic": null, "shares_diluted": null }, "balance_sheet": { "cash_and_equivalents": null, "total_current_assets": null, "total_assets": null, "short_term_debt": null, "long_term_debt": null, "total_debt": null, "total_liabilities": null, "total_equity": null, "shares_outstanding": 30245752, "goodwill_and_intangibles": null }, "cash_flow": { "operating_cash_flow": 19856000, "capital_expenditure": 1843000, "free_cash_flow": 21699000, "dividends_paid": null, "share_repurchases": 0, "shares_issued": 0, "net_debt_issued": null } } ] }, "strategy_matches": [ { "key": "os_composite", "name": "OS Composite Score", "slug": "composite", "group": "multi_factor", "page_url": "/factors/composite/" }, { "key": "ebitda_ev", "name": "EBITDA/EV Value", "slug": "ebitda-ev", "group": "value", "page_url": "/factors/ebitda-ev/" }, { "key": "sector_relative", "name": "Cheapest in Sector", "slug": "sector-relative", "group": "value", "page_url": "/factors/sector-relative/" }, { "key": "capital_allocators", "name": "Capital Allocators", "slug": "capital-allocators", "group": "quality", "page_url": "/factors/capital-allocators/" }, { "key": "shareholder_yield", "name": "Shareholder Yield", "slug": "shareholder-yield", "group": "income", "page_url": "/factors/shareholder-yield/" }, { "key": "small_cap_value", "name": "Small Cap Value", "slug": "small-cap-value", "group": "universe", "page_url": "/factors/small-cap-value/" } ], "coverage": { "factor_history_points": 2, "annual_financial_periods": 6, "quarterly_financial_periods": 4, "latest_factor_week": "2026-07-19", "latest_financials_period_end": "2025-12-31" }, "schema": { "public_fields_only": true } }