Oversold

FBNC

Same as last week
Valuation19/ 100
Cash flow & growth32/ 100
Upside potential34/ 100
Risk potential29/ 100

FBNC's valuation is expensive, fundamentals are above averages and forward estimates point to improving growth and profitability, though analyst coverage is limited.

Valuation

Historical cheapness: current PE is 20× versus the full-history median of 11.8× shown in the valuation table, producing 20/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 19/100. The model applies a 7% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 19.4× (18-month half-life). The favorable scenario uses 19.8× PE and $3.7 projected EPS, informed by growth, margins and earnings-quality checks. This is a model scenario, not an analyst target. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are weak. Over the past year: revenue -21.4%, earnings +37.3%, operating margin -12 percentage points. The business score is 31.8/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

The earnings calculation and the displayed scenario are different.

The earnings case uses $3.73 of EPS and a 19.8× PE, suggesting about $73.94 before the minimum is applied. Valuation history and outlook inform the PE.

The model applies a 15% minimum upside scenario, so the card shows +15%, or about $73.94. That adjusted price does not come from the EPS × PE calculation above.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Weaker than expected earnings could put pressure on the share price.

Our downside case uses $2.71 of EPS and a 16.8× PE, suggesting a share price of about $45.38 — 29% below today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

FBNC vs Historical averages

MetricCurrentAverageRelative
PE20x14x46% higher
PE percentile825064% higher
EPS$3.22$2.959% higher
FCF$227M$156.6M45% higher
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FBNC’s earnings and cash flow are above their historical averages, while its earnings multiple is higher.

FBNC Forward outlook

MetricOutlook
Forward valuationStrongly improving
Forward earningsStrong growth
Forward revenueStrong growth
Forward profitabilityStrongly expanding
Analyst coverageLimited
Estimate dispersionTight

FBNC’s outlook is generally improving, though analyst coverage is limited.

FBNC PE Valuation

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This table applies FBNC's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

FBNC Earnings Per Share

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This chart tracks FBNC's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

FBNC Quarterly Revenue

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This chart tracks FBNC's quarterly revenue over time and shows how sales are changing from year to year.

FBNC Free Cash Flow

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This chart tracks FBNC's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

FBNC Total Shares

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This chart tracks changes in FBNC's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

FBNC Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

FBNC PE vs Financial Services Sector

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This chart compares FBNC's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

FBNC Weekly Price

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This chart uses FBNC's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

FBNC Weekly Moving Averages

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This chart compares FBNC's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

FBNC Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.