Here’s what key metrics tell us about first Bancorp (FBNC) Q4 earnings

For the quarter ended December 2025, First Bancorp (FBNC – Free Report) reported revenue of $83.9 million, down 18.1% over the same period last year. EPS came in at $1.19, compared to $0.76 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $121.95 million, representing a surprise of -31.2%. The company delivered an EPS surprise of +15.53%, with the consensus EPS estimate being $1.03.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company’s financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock’s price performance.

Here is how First Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net Charge-offs: 0.1% versus 0.2% estimated by two analysts on average.
• Net Interest Margin: 3.6% compared to the 3.6% average estimate based on two analysts.
• Average Interest-Earning Assets: $11.79 billion versus the two-analyst average estimate of $11.87 billion.
• Bank-Owned Life Insurance Income: $1.38 million versus $1.15 million estimated by two analysts on average.
• Total Non Interest Income: $21.42 million compared to the $14.63 million average estimate based on two analysts.
• Other service charges, commissions and fees: $5.65 million compared to the $6.21 million average estimate based on two analysts.
• Service charges on deposit accounts: $4.27 million versus the two-analyst average estimate of $4.16 million.
• Commissions from sales of insurance and financial products: $1.8 million versus $1.77 million estimated by two analysts on average.