First Bancorp — Earnings Quality Grade A
FBNC · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 37 days, change -1 days YoY
AR growth 7.9% vs revenue growth 11.7%
Revenue 11.7%, CFFO 16.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 59.8% is >2x revenue growth 11.7%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.83. Profits backed by cash
FCF $0.2B, FCF/NI = 1.79
Accruals ratio = -0.7%. Low accruals
Cash $0.3B covers debt $-0.0B
Balance Sheet Health
Goodwill+Intangibles $0.5B = 30% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
First Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25