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Coastal Financial vs First Bancorp: CCB and FBNC compared

Coastal Financial is the larger company: $149M of revenue in its latest quarter (Q3 2026) against $130M for First Bancorp (Q3 2026). First Bancorp is growing faster (+45% against +3% a year earlier). First Bancorp is more profitable, with an operating margin of 49.7% against 12.4%.

Coastal Financial vs First Bancorp, latest quarterCoastal Financial vs First Bancorp, latest quarterCoastal Financial (CCB)First Bancorp (FBNC)Revenue$149M$130MRevenue growth, Y/Y+3%+45%Operating margin12.4%49.7%Net margin9.2%39.5%Free cash flow$39.6M$98.0M

Where the money goes: CCB and FBNC

Coastal Financial (CCB) · Q3 2026

Coastal Financial, Q3 2026: revenue $149M (+3% year over year), operating margin 12.4%, net earnings $13.8M, operating cash flow $41.9M. The chart follows the revenue to costs, profit and cash.

First Bancorp (FBNC) · Q3 2026

First Bancorp, Q3 2026: revenue $130M (+45% year over year), operating margin 49.7%, net earnings $51.3M, operating cash flow $102M. The chart follows the revenue to costs, profit and cash.

Coastal Financial revenue by segment, Q3 2026Coastal Financial revenue by segment, Q3 2026Net interest income$88.3MNoninterest income$61.0M
First Bancorp revenue by segment, Q3 2026First Bancorp revenue by segment, Q3 2026Net interest income$115MNoninterest income$15.1M
Coastal Financial (CCB)First Bancorp (FBNC)
Latest quarterQ3 2026Q3 2026
Revenue$149M$130M
Revenue growth, Y/Y+3%+45%
Operating margin12.4%49.7%
Net earnings$13.8M$51.3M
Net margin9.2%39.5%
Operating cash flow$41.9M$102M
Free cash flow$39.6M$98.0M
Market value$718M$2.4B
P/E—14.9×
Analysts’ mean target$53.25$69.40

Where the revenue comes from

Coastal Financial

First Bancorp

Questions

Which is bigger, Coastal Financial or First Bancorp?

Coastal Financial is the larger company: $149M of revenue in its latest quarter (Q3 2026) against $130M for First Bancorp (Q3 2026).

Is Coastal Financial or First Bancorp growing faster?

First Bancorp is growing faster (+45% against +3% a year earlier).

Which is more profitable, Coastal Financial or First Bancorp?

First Bancorp is more profitable, with an operating margin of 49.7% against 12.4%.

More: Coastal Financial earnings · how Coastal Financial makes money · First Bancorp earnings · how First Bancorp makes money

From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 2, 2026). Fiscal quarters can end on different dates. Not investment advice.