Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/47df0182-25dd-4361-87f8-6424d242029d/

FBNC

First Bancorp
Chart
62.74 USD
Latest Week 2026-07-24
Financial ServicesBanks - RegionalMID
Snapshot 2026-07-26 · 0.4w · Fresh
0.38
OS Score
16.0%
Value
69.0%
Quality
73.0%
Momentum
7/9
F-Score
0.332
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
4 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 28%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 24%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.71
⚡
Risk-Adj Momentum
RAM 1.17
V
Value Analysis
Cheapness relative to fundamentals
16.0%ile
P/E
19.5×
P/S
6.1×
P/B
1.5×
E/P
0.0187
FCF Yield
0.082
EBITDA/EV
0.020
SH Yield
0.015
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
81.00000000
/100 — 1=cheapest
VC2 (Trending Value)
80.00000000
/100
VC3 (Buyback)
81.00000000
/100
FCF yield of 8.2% is strong — the business generates significant free cash relative to price. VC2 score of 80.00000000/100 — expensive across all six composite measures.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
69.0%ile
ROE
0.078
ROA
0.010
Net Margin
0.311
Op Margin
0.111
GPA
0.021
D/E
6.60
Current
0.19
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
-0.214
Earn Growth
0.371
Stability
0.576
lower=better
Accruals
-0.005
lower=better
5yr Consist
No
Highly leveraged with D/E of 6.60 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
73.0%ile
6M Return
9.1%
12M Return
26.8%
12-1 Mom
27.9%
Risk-Adj
1.17
Vol 252d
23.9%
Vol 60d
53.5%
↑ Expanding
Max DD 12M
-15.3%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 28% is very strong — a clear uptrend. Near-term vol (54%) is expanding vs long-term (24%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.38
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
0.2%
Sector Quality %ile
45.7%
P/E z-score
0.06
P/B z-score
-0.06
Sector Avg OS
85.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
IX Orix Corp Ads 98.0% 97.0% 82.0% 91.0%
SBFG SB Financial Group Inc 98.0% 96.0% 93.0% 76.0%
MCY Mercury General Corporation 98.0% 95.0% 83.0% 87.0%
Factor Interactions
Volatility Expanding
60-day vol (54%) significantly exceeds 252-day (24%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
48.2% avg (7 factors)
Quality
F
30.0% avg (8 factors)
Momentum
C
59.2% avg (4 factors)
Risk
A
76.8% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.380—0—
Value %ile0.160—1—
Quality %ile0.690—0—
Momentum %ile0.730—8—
F-Score7.000—8—
Confidence1.000—8—
Volatility0.239—0—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
19.48
Earnings Yield (E/P)
0.0187
Price / Sales
6.07
Price / Book
1.51
Price / Cash Flow
12.78
FCF Yield
8.2%
EBITDA / EV
2.0%
Sales Yield (1/P·S)
0.1684
Shareholder Yield
Div + net buyback / mktcap
1.5%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
7.8%
Return on Assets
1.0%
Net Margin
31.1%
Operating Margin
11.1%
Gross Profit / Assets
Novy-Marx GPA
2.1%
Debt / Equity
6.60
Current Ratio
0.19
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.005
External Financing
Net issuance — lower=better
0.000
MomentumPrice trend strength over different horizons
6M Return
9.1%
12M Return
26.8%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
27.9%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.17
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
-21.4%
Earnings Growth (YoY)
37.1%
Earnings Stability (CV)
Lower = more stable
0.576
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
7
Dividend Yield
1.5%
Buyback Yield
-0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
81
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
80
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
81
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity