First Carolina Financial Services (FCBM) vs First Bank (FRBA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
First Bank is the larger company by market cap ($434.4 million vs $394.0 million), about 1.1 times the size. On valuation, First Carolina Financial Services trades at a lower forward P/E (9.3x vs 9.7x for First Bank). First Bank pays a dividend yielding 1.71%, while First Carolina Financial Services does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FCBM | FRBA |
|---|---|---|
| Share price | $12.68 | $17.55 |
| Market cap | $393.95M | $434.43M |
| 1-day change | -0.63% | -0.57% |
| YTD return | — | +6.62% |
| 1-year return | — | +12.07% |
| 5-year return | — | +16.38% |
| P/E ratio (TTM) | 23.48 | 10.32 |
| Forward P/E | 9.32 | 9.72 |
| EPS (TTM) | $0.54 | $1.70 |
| Dividend yield | 0.00% | 1.71% |
| Annual dividend | $0.00 | $0.30 |
| 52-week high | $13.40 | $19.33 |
| 52-week low | $12.17 | $14.41 |
| Distance from 52-week high | -5.37% | -9.21% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +15.69% | +13.96% |
| Average volume | 147.39K | 96.05K |
| Shares outstanding | 31.07M | 24.75M |
| Employees | 269 | 338 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- First Carolina Financial Services trades at a higher earnings multiple (23.5x vs 10.3x trailing P/E).
- First Bank offers a meaningfully higher dividend yield (1.71% vs 0.00%).
About First Carolina Financial Services
FCBM stock →First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services in the United States.
Financial Services · Banks - Regional · 269 employees
About First Bank
FRBA stock →First Bank provides various banking products and services to small and mid-sized businesses and individuals. It accepts various deposits, including non-interest- and interest-bearing demand deposits, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking and cash management accounts.
Financial Services · Banks - Regional · 338 employees
FCBM vs FRBA FAQ
Which is bigger, First Carolina Financial Services or First Bank?
First Bank (FRBA) is larger, with a market capitalization of $434.43M compared with $393.95M for First Carolina Financial Services (FCBM).
Which has the lower P/E ratio, FCBM or FRBA?
FRBA has the lower trailing P/E at 10.3, versus 23.5 for FCBM. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Carolina Financial Services or First Bank?
First Bank pays a dividend yielding 1.71%, while First Carolina Financial Services does not currently pay a regular dividend.
Are First Carolina Financial Services and First Bank in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.