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First Carolina Financial Services (FCBM) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 14, 2026 · First Carolina Financial Services (FCBM) Q2 2026 earnings results →
Q2 2026 Revenue down 12% year over year to $32.3M · 16¢ of every $1 of revenue kept as net profit · operating margin 20.1%
First Carolina Financial Services made $32.3M in Q2 2026 (-12% Y/Y). Operating margin 20.1%, net earnings $5.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 14, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $32.3M in Q2 2026, down 12% year over year.
Operating profit was $6.5M, a 20.1% margin (up 3.3 points year over year). Total costs fell 16% while revenue fell 12%. Net earnings were $5.1M, up 11% year over year. The effective tax rate was 21.5%.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 14, 2026 | $32.3M | -12% | 20.1% | $5.1M | — |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About First Carolina Financial Services
First Carolina Financial Services, Inc. (NYSE: FCBM) operates as a bank holding company for First Carolina Bank that provides financial services for businesses, higher education institutions, and individuals. First Carolina offers a range of deposit and loan products and trust services. First Carolina is headquartered in Raleigh, North Carolina with full-service banking offices in Rocky Mount, Raleigh, Wilmington, Cary, and Reidsville, North Carolina; Virginia Beach, Virginia; Columbia and Greenville, South Carolina; and Atlanta, Georgia. For more information, please visit firstcarolinabank.com. The information contained in, or that can be accessed through, our website is not incorporated by reference in, and is not part of, this press release. The inclusion of our website address in this press release is only as an inactive textual reference.
In its own words, from its 8-K, filed Jul 30, 2026.
First Carolina Financial Services against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -12% against the peers' median +10%. Operating margin: 20.1% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FCBM First Carolina Financial Services | Q2 2026 | $32.3M | -12% | 20.1% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: First Carolina Financial Services 10-Q on SEC EDGAR · CIK 1531193 · State Commercial Banks
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History
Every quarter: Q2 2026 results