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FIRST BANCORP /NC/

FBNC

$64.74 ▼ -1.33 (-2.01%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FIRST BANCORP /NC/ shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $2.7B

Dividend Yield 1.41%

Revenue Growth 11.5% ↗

Op. Margin 35.7% ↗

ROIC None

FCF / Share None

Trailing P/E 24.2x

Price / Book 1.6x

FCF Yield —

Debt / Equity 0.05

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$390.31M

↑ +11.5% —

Net Income Profit after all expenses

$111.05M

↑ +45.7% —

Operating Margin Operating profit as % of sales

35.7%

↑ +27.6% 91th

Long-Term Debt Long-term obligations

$74.57M

↓ -18.8% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.91 Latest / share

+3.4% YoY

+10.0% 12-yr CAGR

$0.32

FY 2014

$0.32

FY 2015

$0.32

FY 2016

$0.32

FY 2017

$0.40

FY 2018

$0.54

FY 2019

$0.72

FY 2020

$0.80

FY 2021

$0.88

FY 2022

$0.88

FY 2023

$0.88

FY 2024

$0.91

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	11.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+91%)	-13.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-323%)	2.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-52%)	22.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+279%)	6.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+14%)	8.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+43%)	3.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-41%)	24.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+312%)	43.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+624%)	7.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+25%)	-5.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-185%)	-8.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-246%)	17.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+186%)	-13.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-330%)	1.3% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-79%)	-20.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-440%)	—	—
EPS Growth YoY (%)	44.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-27.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-38.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	29.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	13.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-9.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.6% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	65.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	32.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	2.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	9.8% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	20.8% Good Good Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	25.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-89.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	45.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-26.8% Weak ↓ Weak Declining Year-over-year change in net income	-29.1% Weak ↓ Weak Declining Year-over-year change in net income	53.6% Excellent ↑ Excellent Improving Year-over-year change in net income	17.4% Good ↓ Good Declining Year-over-year change in net income	-11.5% Weak ↓ Weak Declining Year-over-year change in net income	3.1% Caution ↓ Caution Declining Year-over-year change in net income	94.2% Excellent ↑ Excellent Improving Year-over-year change in net income	67.1% Excellent ↑ Excellent Improving Year-over-year change in net income	1.8% Caution ↓ Caution Declining Year-over-year change in net income	8.2% Fair Fair Year-over-year change in net income	20.8% Good Good Year-over-year change in net income	N/M	N/M	132.2% Excellent Excellent Year-over-year change in net income	-89.6% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	10.5% Good → Good Stable Compound annual revenue growth over 3 years	12.5% Good ↓ Good Declining Compound annual revenue growth over 3 years	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	22.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	24.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	-2.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.7% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	0.8% Weak Weak Compound annual revenue growth over 3 years	-11.4% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	16.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	16.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	-1.2% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-2.4% Weak Weak Compound annual revenue growth over 5 years	-5.8% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-13.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-16.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-3.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	1.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	15.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	31.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	31.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	10.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	—	40.5% Excellent Excellent Compound annual EPS growth over 3 years	42.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	35.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	28.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	32.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	47.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+89%)	37.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	34.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	20.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	28.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	21.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	37.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	29.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	27.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	33.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	33.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	21.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	19.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	17.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	12.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	-17.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-178%)	8.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	3.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	28.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	5.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	14.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	7.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	11.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	7.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	6.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	5.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	-6.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-155%)	4.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	1.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.05x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.06x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.84x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	0.49x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	0.05x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.65x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	0.86x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-28%)	0.59x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	—	—	—	—	0.13x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.39x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$9.47	$8.54	$9.92	$11.07	$10.71	$10.38	$9.33	$9.01	$8.47	$7.46	$7.01	$7.41	$8.13	$8.01	$9.40	$9.33	$11.81	—
Basic EPS, GAAP (USD)	$2.68	$1.85	$2.54	$4.12	$3.19	$2.81	$3.10	$3.02	$1.82	$1.37	$1.34	$1.22	$1.01	$-1.54	$0.44	$0.35	$3.38	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.91	$0.88	$0.88	$0.88	$0.80	$0.72	$0.54	$0.40	$0.32	$0.32	$0.32	$0.32	$0.32	$0.32	$0.32	$0.32	$0.32	—
Book Value per Share (USD)	$39.89	$34.96	$33.38	$28.89	$34.54	$31.26	$28.80	$25.71	$23.38	$17.66	$17.33	$19.67	$18.90	$18.11	$20.41	$20.51	—	—
Tangible Book Value per Share (USD)	$27.93	$22.83	$20.94	$18.34	$23.81	$22.35	$20.30	$17.12	$14.69	$13.85	$13.93	$16.23	$15.41	$14.60	$16.29	$16.32	—	—
Basic Weighted Avg Shares (shares)	41.20M	41.02M	40.75M	35.49M	29.88M	28.84M	29.55M	29.57M	25.21M	19.96M	19.77M	19.70M	19.68M	17.05M	16.86M	16.76M	16.65M	—
Dividend Payout Ratio (%)	34.0% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	47.6% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.6% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	17.4% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	13.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	17.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	23.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	23.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	26.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-20.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	72.7% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	91.4% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	9.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$74.57M	$91.88M	$630.16M	$287.51M	$67.39M	$61.83M	$300.67M	$406.61M	$410.67M	—	—	—	—	$46.39M	$133.89M	—	—	—
Total Equity (USD)	$1.65B	$1.45B	$1.37B	$1.03B	$1.23B	$893.42M	$852.40M	$764.23M	$692.98M	$368.10M	$342.19M	$387.70M	$371.92M	$356.12M	$345.15M	$344.60M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$390.31M	$350.17M	$404.15M	$392.84M	$320.01M	$299.47M	$275.73M	$266.37M	$213.62M	$148.93M	$138.51M	$145.98M	$160.01M	$136.59M	$158.42M	$156.46M	$196.61M	—
Depreciation Expense (USD)	$6.79M	$7.76M	$7.75M	$6.86M	$6.19M	$5.84M	$5.84M	$6.08M	$5.49M	$4.60M	$4.49M	$4.62M	$4.62M	$4.56M	$4.39M	$3.99M	$3.62M	—
Net Income, GAAP (USD)	$111.05M	$76.22M	$104.13M	$146.94M	$95.64M	$81.48M	$92.05M	$89.29M	$45.97M	$27.51M	$27.03M	$25.00M	$20.70M	$-23.41M	$13.64M	$5.88M	$56.29M	—
Operating Cash Flow (USD)	$203.13M	$174.78M	$131.40M	$230.65M	$142.34M	$57.08M	$51.24M	$46.41M	$26.84M	$41.27M	$37.35M	$47.82M	$71.88M	$41.68M	$37.05M	$64.11M	$15.03M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.7%	2.9%	3.1%	2.3%	3.0%	3.5%	3.5%	3.0%	3.4%	3.6%	4.1%	4.3%	4.2%	4.0%	3.9%	—	—
Efficiency Ratio (%) (%)	61.3%	67.3%	62.9%	49.7%	57.7%	53.9%	57.0%	58.7%	68.0%	71.7%	70.8%	66.6%	60.4%	71.2%	60.7%	55.6%	40.0%	—

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Synced 4 days ago 18 years · 68 quarters

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