First Bancorp (FBNC) reported $111.02 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 16%. EPS of $0.93 for the same period compares to $0.70 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $108.33 million, representing a surprise of +2.48%. The company delivered an EPS surprise of +5.68%, with the consensus EPS estimate being $0.88.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how First Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin: 3.3% versus 2.9% estimated by three analysts on average.
- Net Charge-offs: 0.1% compared to the 0.1% average estimate based on two analysts.
- Average Interest-Earning Assets: $11.68 billion versus the two-analyst average estimate of $11.7 billion.
- Total Non Interest Income: $14.34 million compared to the $13.94 million average estimate based on three analysts.
- Bank-Owned Life Insurance Income: $1.22 million versus $1.12 million estimated by two analysts on average.
- Other service charges, commissions and fees: $6.6 million versus $5.86 million estimated by two analysts on average.
- Commissions from sales of insurance and financial products: $1.39 million versus $1.15 million estimated by two analysts on average.
- Service charges on deposit accounts: $3.98 million compared to the $4.18 million average estimate based on two analysts.
- Net Interest Income: $96.68 million compared to the $93.78 million average estimate based on two analysts.
- Fees from presold mortgage loans: $0.32 million versus the two-analyst average estimate of $0.84 million.
View all Key Company Metrics for First Bancorp here>>>
Shares of First Bancorp have returned +11.2% over the past month versus the Zacks S&P 500 composite's +5.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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First Bancorp (FBNC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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