First Bancorp /Nc/ (FBNC) — SEC Filings

Q: What are the key financial highlights for First Bancorp /Nc/?

Key financial highlights for First Bancorp /Nc/ are extracted from the most recent 10-K or 10-Q filings, including revenue, net income, EPS, debt-to-equity, cash position, and operating margin.

Q: Who are the key executives at First Bancorp /Nc/?

Key executives at First Bancorp /Nc/ are identified from SEC filings including 10-K annual reports, proxy statements, and insider trade forms.

Q: What are the main risk factors for First Bancorp /Nc/ stock?

Risk factors for First Bancorp /Nc/ (FBNC) are assessed from SEC filings using AI analysis. Each filing is categorized as high, medium, or low risk based on disclosed risk factors and financial indicators.

Q: What are recent predictions and forward guidance from First Bancorp /Nc/?

Forward-looking statements and predictions from First Bancorp /Nc/ are extracted from SEC filings including earnings reports, annual reports, and current event filings.

Latest SEC filings for First Bancorp /Nc/. Recent 8-K filing on Dec 12, 2025. AI-decoded analysis of earnings, risk factors, and insider trades.

View First Bancorp /Nc/ on SEC EDGAR

Overview

First Bancorp /Nc/ (FBNC) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 7, 2025: FIRST BANCORP /NC/ (FBNC) reported a significant increase in net income for the nine months ended September 30, 2025, reaching $95.335 million, up 31.2% from $72.664 million in the prior year. This was driven by a robust 19.9% increase in net interest income to $292.048 million, compared to $243.432

Sentiment Summary

Across 39 filings, the sentiment breakdown is: 38 neutral, 1 mixed. The dominant filing sentiment for First Bancorp /Nc/ is neutral.

Filing Type Overview

First Bancorp /Nc/ (FBNC) has filed 25 8-K, 6 10-Q, 1 8-K/A, 2 DEF 14A, 2 10-K, 1 SC 13G, 2 SC 13G/A with the SEC between Jan 2024 to Dec 2025.

Filings by Year

2025 · 2024

Recent Filings (39)

8-K Filing — 8-K · Dec 12, 2025
FIRST BANCORP Net Income Jumps 31% on Strong Net Interest Income — 10-Q · Nov 7, 2025 Risk: medium
FIRST BANCORP /NC/ (FBNC) reported a significant increase in net income for the nine months ended September 30, 2025, reaching $95.335 million, up 31.2% from $7
First Bancorp Reports Director, Officer, and Compensation Changes — 8-K · Oct 30, 2025 Risk: low
On October 28, 2025, First Bancorp /NC/ filed an 8-K report detailing changes in its board of directors and executive officers, as well as updates to compensato
First Bancorp Files 8-K on Financials — 8-K · Oct 22, 2025 Risk: low
First Bancorp filed an 8-K on October 22, 2025, reporting on its results of operations and financial condition. The filing includes financial statements and exh
First Bancorp Files 8-K Report — 8-K · Sep 12, 2025 Risk: low
On September 12, 2025, First Bancorp (NC) filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits," indicating
FIRST BANCORP Posts Stable Q2 Amid Modest Earnings Growth — 10-Q · Aug 7, 2025 Risk: low
FIRST BANCORP /NC/ reported its Q2 2025 results, with the filing indicating a focus on maintaining capital stability and managing shareholder equity. The compan
First Bancorp Files 8-K/A Amendment — 8-K/A · Jul 30, 2025 Risk: low
First Bancorp (NC) filed an amendment (8-K/A) on July 30, 2025, to a report originally dated April 29, 2025. This amendment pertains to the submission of matter
First Bancorp Files 8-K on Financials — 8-K · Jul 23, 2025 Risk: low
On July 23, 2025, First Bancorp (NC) filed an 8-K report. The filing primarily concerns the company's results of operations and financial condition, as well as
First Bancorp /NC/ Files 8-K Report — 8-K · Jun 13, 2025 Risk: low
On June 13, 2025, First Bancorp /NC/ filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits," indicating updat
First Bancorp /NC/ Q1 2025 10-Q Filing — 10-Q · May 9, 2025 Risk: low
First Bancorp /NC/ filed its 10-Q for the period ending March 31, 2025. The company's results include the acquisition of GrandSouth Bancorporation, which was co
First Bancorp /NC/ Files 8-K on Shareholder Vote Matters — 8-K · May 1, 2025 Risk: medium
On April 29, 2025, First Bancorp /NC/ filed an 8-K report detailing a submission of matters to a vote of security holders. The filing, dated May 1, 2025, indica
First Bancorp Files 8-K on Financials — 8-K · Apr 23, 2025 Risk: low
First Bancorp (FBNC) filed an 8-K on April 23, 2025, reporting on its results of operations and financial condition. The filing includes financial statements an
First Bancorp DEF 14A: Executive Pay & Annual Meeting Details — DEF 14A · Mar 20, 2025 Risk: low
First Bancorp /NC/ filed a DEF 14A on March 20, 2025, detailing executive compensation and annual meeting information for the fiscal year ending December 31, 20
First Bancorp Files Routine 8-K — 8-K · Mar 14, 2025 Risk: low
First Bancorp (NC) filed an 8-K on March 14, 2025, reporting "Other Events" and "Financial Statements and Exhibits." The filing does not contain specific detail
First Bancorp (NC) Reports Change in Certifying Accountant — 8-K · Mar 10, 2025 Risk: low
First Bancorp (NC) filed an 8-K on March 10, 2025, to report changes in its certifying accountant. The company, headquartered in Southern Pines, NC, with a fisc
First Bancorp /NC/ Files 2024 Annual Report — 10-K · Feb 26, 2025 Risk: low
First Bancorp /NC/ filed its 10-K for the fiscal year ending December 31, 2024. The filing details the company's financial performance and position as a commerc
First Bancorp (NC) Files 8-K on Executive Changes & Agreements — 8-K · Feb 6, 2025 Risk: medium
On February 6, 2025, First Bancorp (NC) filed an 8-K report detailing several key events. These include the entry into a material definitive agreement, the depa
First Bancorp Files 8-K on Financials — 8-K · Jan 29, 2025 Risk: low
First Bancorp (FBNC) filed an 8-K on January 29, 2025, reporting on its results of operations and financial condition. The filing includes financial statements
First Bancorp Files 8-K: Routine Disclosure — 8-K · Dec 13, 2024 Risk: low
On December 13, 2024, First Bancorp (NC) filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits," indicating a
First Bancorp /NC/ Reports Q3 2024 Results — 10-Q · Nov 6, 2024 Risk: low
First Bancorp /NC/ reported its Q3 2024 results, with total assets reaching $6.4 billion as of September 30, 2024. The company's net income for the nine months
SC 13G Filing — SC 13G · Oct 31, 2024
First Bancorp (NC) Files 8-K on Financials — 8-K · Oct 23, 2024 Risk: low
On October 23, 2024, First Bancorp (NC) filed an 8-K report. The filing indicates the company's principal executive offices are located at 300 SW Broad Street,
First Bancorp Files 8-K: Financials & Other Events — 8-K · Sep 13, 2024 Risk: low
On September 13, 2024, First Bancorp (NC) filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits," indicating
First Bancorp Files 8-K Report — 8-K · Aug 12, 2024 Risk: low
On August 12, 2024, First Bancorp (NC) filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits," indicating upd
First Bancorp /NC/ Files Q2 2024 10-Q Report — 10-Q · Aug 7, 2024 Risk: medium
First Bancorp /NC/ reported its Q2 2024 results, with the filing covering the period ending June 30, 2024. The company, based in Southern Pines, NC, operates in
First Bancorp Announces Board and Executive Compensation Changes — 8-K · Jul 30, 2024 Risk: low
First Bancorp announced on July 30, 2024, changes in its board of directors and executive compensation arrangements. The filing details the departure of certain
First Bancorp Files 8-K on Financials — 8-K · Jul 24, 2024 Risk: low
On July 24, 2024, First Bancorp (NC) filed an 8-K report. The filing primarily concerns the company's results of operations and financial condition, as well as
First Bancorp Files 8-K: Financials & Other Events — 8-K · Jun 14, 2024 Risk: low
On June 14, 2024, First Bancorp (NC) filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits," indicating updat
First Bancorp Elects New Directors, CEO Compensation Update — 8-K · May 17, 2024 Risk: low
On May 13, 2024, First Bancorp announced changes to its board of directors and executive compensation. The company elected two new directors, Mr. John L. Alliso
First Bancorp Files 8-K on Officer and Director Changes — 8-K · May 14, 2024 Risk: low
On May 14, 2024, First Bancorp /NC/ filed an 8-K report detailing changes in its board of directors and executive officers, as well as updates to compensatory a
First Bancorp /NC/ Files Q1 2024 10-Q Report — 10-Q · May 8, 2024 Risk: low
FIRST BANCORP /NC/ (FBNC) filed a Quarterly Report (10-Q) with the SEC on May 8, 2024. First Bancorp /NC/ filed its 10-Q report for the period ending March 31,
First Bancorp (NC) Files 8-K on Shareholder Vote Matters — 8-K · May 3, 2024 Risk: low
First Bancorp (NC) filed an 8-K on May 3, 2024, reporting on matters submitted to a vote of security holders as of May 2, 2024. The filing details the company's
First Bancorp Files 8-K on Financials — 8-K · Apr 24, 2024 Risk: low
On April 24, 2024, First Bancorp (NC) filed an 8-K report. The filing primarily concerns the company's results of operations and financial condition, along with
FIRST BANCORP /NC/ DEF 14A Filing — DEF 14A · Mar 20, 2024 Risk: low
FIRST BANCORP /NC/ (FBNC) filed a Proxy Statement (DEF 14A) with the SEC on March 20, 2024. Filing type is DEF 14A, filed on 2024-03-20. Reporting period is fro
First Bancorp Files 8-K Report — 8-K · Mar 15, 2024 Risk: low
On March 15, 2024, First Bancorp (NC) filed an 8-K report. The filing primarily concerns financial statements and exhibits, with no specific material events or
FIRST BANCORP /NC/ Files 2023 Annual Report on Form 10-K — 10-K · Feb 28, 2024 Risk: medium
FIRST BANCORP /NC/ (FBNC) filed a Annual Report (10-K) with the SEC on February 28, 2024. The filing covers the fiscal year ending December 31, 2023. First Banc
Vanguard Trims First Bancorp Stake to 7.6% as of Dec 29, 2023 — SC 13G/A · Feb 13, 2024 Risk: low
The Vanguard Group, a major investment firm, filed an amended SC 13G/A on February 13, 2024, disclosing its ownership in First Bancorp/Southern Pines NC (ticker
First Bancorp Files 8-K on Operations & Financial Condition — 8-K · Jan 24, 2024
First Bancorp /NC/ filed an 8-K on January 24, 2024, to report its results of operations and financial condition. This filing indicates that the company is prov
BlackRock Amends FIRST BANCORP Stake, Remains Passive Investor — SC 13G/A · Jan 23, 2024
BlackRock, Inc. filed an amended Schedule 13G/A on January 23, 2024, indicating its ownership of Common Stock in FIRST BANCORP /NC/ as of December 31, 2023. Thi

Risk Profile

Risk Assessment: Of FBNC's 35 recent filings, 0 were flagged as high-risk, 5 as medium-risk, and 30 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from First Bancorp /Nc/'s most recent 10-Q filing (Nov 7, 2025):

Revenue: $413.601M
Net Income: $95.335M
EPS: $2.30
Debt-to-Equity: 0.06
Cash Position: $597.975M
Operating Margin: N/A
Total Assets: $12.750B
Total Debt: $92.421M

Key Executives

John L. Allison
W. Scott D. Smith
Michael C. Jones

Industry Context

The banking industry is currently navigating a complex environment characterized by fluctuating interest rates, evolving regulatory landscapes, and increasing competition from both traditional institutions and fintech companies. Banks are focused on managing net interest margins, controlling operational costs, and adapting to changing customer preferences for digital services. Credit quality remains a key focus, with ongoing vigilance required due to potential economic uncertainties.

Top Tags

financial-reporting (7) · corporate-governance (6) · 8-K (6) · sec-filing (6) · financials (5) · 8-k (4) · regulatory-filing (3) · shareholder-vote (3) · 10-Q (3) · executive-compensation (3)

Key Numbers

Net Income (9 months ended Sep 30, 2025): $95.335M — Increased 31.2% from $72.664M in 2024
Net Interest Income (9 months ended Sep 30, 2025): $292.048M — Increased 19.9% from $243.432M in 2024
Securities losses, net (9 months ended Sep 30, 2025): $27.905M — Significant increase from $1.161M loss in 2024
Provision for credit losses (9 months ended Sep 30, 2025): $6.770M — Decreased from $15.941M in 2024
Total Assets (as of Sep 30, 2025): $12.750B — Increased from $12.148B at Dec 31, 2024
Net Loans (as of Sep 30, 2025): $8.298B — Increased from $7.972B at Dec 31, 2024
Total Deposits (as of Sep 30, 2025): $10.881B — Increased from $10.531B at Dec 31, 2024
Diluted EPS (9 months ended Sep 30, 2025): $2.30 — Increased from $1.76 in 2024
Unrealized losses on securities available for sale (Sep 30, 2025): $(257,756)M — Significant unrealized losses in the portfolio
Unrealized losses on securities held to maturity (Sep 30, 2025): $(71,708)M — Significant unrealized losses in the portfolio
Increase in Retained Earnings: $10,000 — Reflects positive profitability for the six months ended June 30, 2025, compared to the same period in 2024.
Decrease in Accumulated Other Comprehensive Income: $1,000 — Indicates minor fluctuations in unrealized gains/losses for the six months ended June 30, 2025.
Common Stock Shares: 28,000 — Consistent number of shares outstanding for Q2 2025 and Q2 2024, indicating no dilution.
Rabbi Trust Obligation: $1,000 — Stable liability across Q2 2025 and Q2 2024, showing consistent financial commitments.
Commission File Number: 0-15572 — Identifies the company's SEC filing history.

Forward-Looking Statements

{"claim":"Vanguard will likely maintain a significant, but passive, stake in First Bancorp.","entity":"The Vanguard Group","targetDate":"Next 12-24 months","confidence":"high"}

Frequently Asked Questions

What are the latest SEC filings for First Bancorp /Nc/ (FBNC)?

First Bancorp /Nc/ has 39 recent SEC filings from Jan 2024 to Dec 2025, including 25 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of FBNC filings?

Across 39 filings, the sentiment breakdown is: 38 neutral, 1 mixed. The dominant sentiment is neutral.

Where can I find First Bancorp /Nc/ SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all First Bancorp /Nc/ (FBNC) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.

What are the key financial highlights for First Bancorp /Nc/?

Key financial highlights from First Bancorp /Nc/'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.

What is the investment thesis for FBNC?

The investment thesis for FBNC includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at First Bancorp /Nc/?

Key executives identified across First Bancorp /Nc/'s filings include John L. Allison, W. Scott D. Smith, Michael C. Jones.

What are the main risk factors for First Bancorp /Nc/ stock?

Of FBNC's 35 assessed filings, 0 were flagged high-risk, 5 medium-risk, and 30 low-risk.

What are recent predictions and forward guidance from First Bancorp /Nc/?

Recent forward-looking statements from First Bancorp /Nc/ include guidance on {"claim":"Vanguard will likely maintain a significant, but passive, stake in First Bancorp.","entity":"The Vanguard Grou.