Filing Flows › First Bancorp (FBNC) › How it makes money
How First Bancorp (FBNC) makes money
First Bancorp (FBNC) made $130M of revenue in the third quarter 2026 (Q3 2026), +45% from a year earlier. Net interest income brought in $115M (88%); Noninterest income brought in $15.1M (12%). Of every dollar of revenue, 50¢ was left as operating profit, 39¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $115M | 88.4% | +3% | +12% |
| Noninterest income | $15.1M | 11.6% | -6% | — |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $130M | 100.0% |
| Operating profit | $64.6M | 49.7% |
| Income tax | $13.3M | 10.3% |
| Net earnings | $51.3M | 39.5% |
| Operating cash flow | $102M | 78.2% |
| Free cash flow | $98.0M | 75.4% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $130M | +45% |
From First Bancorp's 10-Q filed Nov 2, 2026 (on EDGAR).
Questions
How does First Bancorp make money?
First Bancorp (FBNC) made $130M of revenue in the third quarter 2026 (Q3 2026), +45% from a year earlier. Net interest income brought in $115M (88%); Noninterest income brought in $15.1M (12%). Of every dollar of revenue, 50¢ was left as operating profit, 39¢ was left as net earnings.
What is First Bancorp's biggest business?
Net interest income: $115M in the third quarter 2026, 88% of revenue, +12% from a year earlier.
What is First Bancorp's profit margin?
Net earnings were $51.3M, 39.5% of revenue, in the third quarter 2026; the operating margin was 49.7%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.