Here's What Key Metrics Tell Us About First Bancorp (FBNC) Q3 Earnings

For the quarter ended September 2025, First Bancorp (FBNC) reported revenue of $117.52 million, up 21.6% over the same period last year. EPS came in at $1.01, compared to $0.70 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $112.37 million, representing a surprise of +4.58%. The company delivered an EPS surprise of +8.6%, with the consensus EPS estimate being $0.93.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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: 3.5% versus 3.3% estimated by three analysts on average.
• Net Charge-offs: 0.1% versus 0.1% estimated by two analysts on average.
• Average Interest-Earning Assets: $11.79 billion compared to the $11.78 billion average estimate based on two analysts.
• Total Non Interest Income: $15.03 million compared to the $14.11 million average estimate based on three analysts.
• Bank-Owned Life Insurance Income: $1.29 million versus $1.12 million estimated by two analysts on average.
• Other service charges, commissions and fees: $6.36 million versus the two-analyst average estimate of $5.97 million.
• Commissions from sales of insurance and financial products: $1.68 million compared to the $1.21 million average estimate based on two analysts.
• Service charges on deposit accounts: $4.23 million versus the two-analyst average estimate of $4.07 million.
• Net Interest Income: $102.49 million compared to the $97.42 million average estimate based on two analysts.

View all Key Company Metrics for First Bancorp here>>>

Shares of First Bancorp have returned -8.3% over the past month versus the Zacks S&P 500 composite's +1.1% 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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This article originally published on Zacks Investment Research (zacks.com).

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