First Carolina Financial Services, Inc. (FCBM) SEC Filings & Earnings Calls
EquiReason read 3 First Carolina Financial Services, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-09-18 — CFO retirement announced; also disclosed net interest margin estimates for July-September 2026 and redemption of $32M subordinated notes..
Source: SEC EDGAR filings · read by EquiReason
- Market cap
- 402.0M
- P/E TTM
- —
- Dividend yield
- —
- 52-week
- —
- Next earnings
- 27 Oct, in 3 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
18 Sep 20268-K · 5.02, 7.01CFO retirement announced; also disclosed net interest margin estimates for July-September 2026 and redemption of $32M subordinated notes.open
Figures in the filing · each found in the filing text
| Net Interest Margin (Consolidated) · Consolidated · Q3-2026 | 3.3% | |
| Net Interest Margin (Bank) · First Carolina Bank · Q3-2026 | 3.5% |
Risks flagged
CFO retirement may lead to transition risk
“CFO and CRO retiring effective January 1, 2027”
14 Aug 202610-QNet income increased 11% YoY; NIM expanded; IPO completed.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q2-2026 | 3.2% | |
| Net income · Q2-2026 | $5M | +11% y/y |
| Diluted earnings per share · Q2-2026 | $0.20 | |
| Total loans · Q2-2026 | $2.74B | |
| Total deposits · Q2-2026 | $2.83B | |
| Allowance for credit losses · Q2-2026 | $22M | |
| Nonperforming loans · Q2-2026 | $22M | |
| Total shareholders' equity · Q2-2026 | $430M |
Risks flagged
CRE concentration
“CRE loan balances (excluding loans secured by owner-occupied properties) as a percentage of risk-based capital were 448.0%” · word for word
BM Tech segment losses
“BM Tech segment reported a loss of $1.7 million compared to the $925 thousand loss for the same period in 2025” · word for word
30 Jul 20268-K · 2.02Net income $5.1M vs $4.6M YoY (+11%); NIM expanded 18bps to 3.23%; zero net charge-offs; IPO completed with $69.3M net proceeds; loan growth 8.9% annualized.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $5M | +11% y/y |
| Diluted EPS · Q2-2026 | $0.20 | +11% y/y |
| Net interest margin · Q2-2026 | 3.2% | |
| Net interest income · Q2-2026 | $26M | +9% y/y |
| Loan growth · Q2-2026 | $58M | |
| Return on average assets (ROAA) · Q2-2026 | 0.6% | |
| Return on average equity (ROAE) · Q2-2026 | 5.7% | |
| Return on average tangible common equity (ROATCE) · Q2-2026 | 7.1% | |
| Book value per share · Q2-2026 | $13.88 | |
| Tangible book value per share · Q2-2026 | $11.66 |
Risks flagged
Deposit seasonality in Payments business may cause NIM volatility.
“Net interest margin declined modestly by two basis points from the first quarter of 2026, largely attributable to the seasonality in deposits generated by the Company’s Payments business.” · word for word
Declining rate environment may pressure asset yields.
“Yield on average interest-earning assets decreased 10bps YoY to 5.92% reflecting lower yield on securities and short-term investments in a declining rate environment.”
First Carolina Financial Services, Inc. — questions
- What did First Carolina Financial Services, Inc. file recently?
- 3 SEC filings in the last 12 months. Latest: 8-K on 2026-09-18 — CFO retirement announced; also disclosed net interest margin estimates for July-September 2026 and redemption of $32M subordinated notes.
Every figure on this page comes from First Carolina Financial Services, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.