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Stock research / United States / FBNC · State Commercial Banks · Nasdaq

First Bancorp (FBNC)

Results announcedQ3 FY2026quarter ended 30 September 2026, announced 21 October 2026

Revenue$130 millionup 45.0% on Q3 FY2025
Net income$51 millionup 151.8% on Q3 FY2025
Diluted EPS$1.24$0.49 a year earlier

From the company's results press release. The tables update when the 10-Q or 10-K is filed. Read the results · Read the release

First Bancorp is the fourth largest commercial bank holding company headquartered in North Carolina. Its main activity is owning and operating First Bank, a state-chartered bank based in Southern Pines, North Carolina. At 31 December 2025 the bank had 113 branches in North Carolina and South Carolina. The company was incorporated in North Carolina on 8 December 1983 to acquire all the stock of the bank, which began operating in 1935 as the Bank of Montgomery.

First Bancorp

First Bancorp is the fourth largest commercial bank holding company headquartered in North Carolina. Its main activity is owning and operating First Bank, a state-chartered bank based in Southern Pines, North Carolina. At 31 December 2025 the bank had 113 branches in North Carolina and South Carolina. The company was incorporated in North Carolina on 8 December 1983 to acquire all the stock of the bank, which began operating in 1935 as the Bank of Montgomery.

How the business is organised

The bank is the operating core of the company, and it had two wholly-owned subsidiaries at 31 December 2025. Magnolia Financial provides accounts receivable financing and factoring, inventory financing and purchase order financing across the southeastern United States. First Troy SPE, LLC holds certain foreclosed real estate. The company also parents a series of statutory business trusts that issue trust preferred securities. Net interest income, the gap between interest earned on loans and securities and interest paid on deposits and borrowings, is the company's largest source of revenue.

The company has grown by acquisition as well as organically. Its recent purchases were GrandSouth Bancorp in January 2023, Select Bancorp, Inc. in October 2021, Magnolia Financial, Inc. in September 2020, ASB Bancorp, Inc. in October 2017 and Carolina Bank Holdings, Inc. in March 2017. The GrandSouth deal added eight South Carolina branches, all of which remain open.

What it lends

The bank makes commercial business loans, commercial and residential real estate construction and mortgage loans, revolving lines of credit, letters of credit and personal loans for purposes such as home improvement and automobiles. Its CarBucks division provides floor-plan financing, mainly to small used car dealers.

  • Commercial real estate, non owner occupied: 33%
  • Residential 1-4 family real estate: 20%
  • Commercial real estate, owner occupied: 15%
  • Commercial and industrial: 12%
  • Construction, development and other land: 9%
  • Multi-family real estate: 6%
  • Home equity loans and lines: 4%
  • Consumer loans: 1%

About 87% of the loan portfolio is secured by real estate. Variable rate loans were 29% of performing loans and fixed rate loans 71%. Loans are approved under a loan policy through tiers of authority, running from individual lending officers to regional credit officers, the Chief Credit Officer, a joint group of senior officers and, for the largest loans, the Board through its Executive Loan Committee. An internal loan review department checks the portfolio, and an independent consulting firm also reviews it.

How it funds itself and earns other income

Deposits are the primary funding source. They consist of checking, savings, money market and time accounts for retail and commercial customers. Noninterest-bearing checking made up 32% of deposits, money market accounts 42%, interest-bearing checking 13%, savings 5% and time deposits 8%.

The bank also holds a securities portfolio, made up mostly of mortgage-backed securities issued by government-sponsored enterprises, along with Treasury securities and municipal bonds. Fee income comes from deposit service charges, card interchange, ATM and wire transfer fees, SBA loan servicing and sales, and mortgage sales. It also comes from commissions on investment and insurance products sold through FB Wealth Management Services.

Where it operates

Of the 113 branches, 100 are in North Carolina and 13 are in South Carolina. They sit in small and medium-sized communities and in larger cities, including Charlotte, Raleigh, Greensboro, Winston-Salem, High Point, Asheville and Wilmington in North Carolina. In South Carolina they sit in Greenville, Columbia and Charleston.

The largest county shares of loans are Wake County at 9.4%, New Hanover County at 9.5%, Mecklenburg County at 8.2%, Buncombe County at 5.0% and Guilford County at 4.9%. No other county exceeded 5%. For deposits, Moore County holds 9.0%, Buncombe County 7.3% and Guilford County 5.1%. The company says most of its customers are individuals and small to medium-sized businesses, so the loss of one customer or group would not materially hurt the bank.

How it competes

The company competes with national and super-regional banks, smaller community banks, internet-based banks, credit unions, finance companies, brokerage firms and other financial intermediaries. It says many competitors have greater resources, including broader markets and higher lending limits. It also says many non-bank competitors face less regulatory oversight and lower capital requirements. The company says it competes by emphasizing customer service, responsiveness, local decision making and customer relationships.

Its people and oversight

At 31 December 2025 the bank employed 1,332 full-time and 42 part-time associates, mostly in the Carolinas. The company says its culture follows a philosophy it calls "Our Promise to Service Excellence," built on four principles: Safety and Soundness, Knowledge and Accuracy, Courteous Service, and Convenience and Ease. Benefits include medical, dental and vision coverage, an employee stock purchase plan and a 401(k) plan that matched 100% of employee deferrals up to 6% of pay in 2025. The company also runs a Leadership Development Program with three tracks.

The company is supervised by the Federal Reserve and the North Carolina Commissioner of Banks, and the bank is also subject to the Consumer Financial Protection Bureau. FDIC insurance covers its deposits. Because of its asset size, the company is subject to heightened supervision and regulation.

From First Bancorp's annual report on Form 10-K for the year ended 31 December 2025. The filing

Compare with another name

First Bancorp (FBNC) reported revenue of $127 million for Q2 FY2026, the quarter ended 30 June 2026, up 14.7% on the same quarter a year earlier. Net income was $51 million, up 31.0% on the year, and diluted earnings per share $1.22. The figures are the company's own, from the 10-Q it filed with the SEC on 6 August 2026.

Revenue$127 millionup 14.7%
Net income$51 millionup 31.0%
Diluted EPS$1.22
QuarterQ2 FY2026ended 30 June 2026

First Bancorp (FBNC) in brief

First Bancorp (FBNC) reported revenue of $390 million for fiscal 2025, the year ended 31 December 2025, up 11.5% on the year before.
Read moreNet income was $111 million and diluted earnings per share $2.68. Revenue was $350 million in fiscal 2024, $404 million in fiscal 2023, $393 million in fiscal 2022 and $320 million in fiscal 2021. Net income in the same years was $76 million, $104 million, $147 million and $96 million. Over the twelve months to 30 June 2026, First Bancorp reported revenue of $423 million and net income of $133 million. Revenue grew 5.4% a year, compounded, over the five years to fiscal 2025. First Bancorp declared $0.94 a share in dividends over the last four quarters and had 41 million shares outstanding at the latest filed count. At the close of 28 October 2026 the market cap of First Bancorp was $2.6 billion, 19.7 times its earnings over the last twelve months.

Ratios

From the filings

ROE7.8%
Net margin31.5%
Debt to equity0.04
Share count, last 12 months-0.2%
Sales CAGR, 3 years-0.2%
Profit CAGR, 3 years-8.9%
EPS, TTM$3.22

At the close of 28 October 2026

Price$63.37
Market cap$2.6 billion
Stock P/E19.68
Price to book1.53
EV / EBITDAn/a
Dividend yield1.5%
Market cap / sales6.20
52-week high$66.34
52-week low$48.19
Price, 1 year28.0%
Price CAGR, 3 years31.5%
Price CAGR, 5 years5.5%
Worked from the filed figures; hover a name for the formula.
Read moreThe priced ones use the latest price, the last regular-hours trade on IEX. Debt to equity here stands on long-term debt as First Bancorp files it, with lease liabilities counted separately and never inside it. First Bancorp files on the bank format, which does not report a return on capital employed, an operating margin or interest cover, so those are left out here rather than shown as a blank. Free cash flow margin and cash conversion are left out too, by our choice: a bank's operating cash flow moves with its lending and deposits, so neither ratio means for a bank what it means for an operating company. Nothing here is a valuation or a view.
FBNCgreeksoup.ai
Daily prices to 28 October 2026, adjusted for splits; from 28 September 2026 each day's price is the last regular-hours trade on IEX.
Read moreData provided for free by IEX. By accessing or using IEX Historical Data, you agree to the IEX Historical Data Terms of Use. Day by day for the last three years; before that one point a week, carrying the week's last close and its average daily volume, so a volume bar means the same thing across the whole series; the bars sit under the price on their own scale, on the right. The moving averages need consecutive days and are drawn from the daily part. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Before the quarters on file begin, P/E, price to book and market cap to sales stand on each annual report from the day it was filed. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on FBNC

Dividends$0.94 a share over the four quarters to 30 June 2026, a 1.48% yield
Filings21 in twelve months: 14 current reports (8-K), about 6 other events; 4 results of operations; 4 officer or director change; 1 material agreement; 1 shareholder vote
Planned insider sales2 Form 144 notices in twelve months, $746,828; latest 20 May 2026
Options tapeput/call 0.04 by open interest at the 29 October 2026 close; the straddle prices a 8.4% move to 20 November 2026
13F holders240 funds reported a position for the quarter to 30 June 2026; largest BlackRock, Inc.
Insider trading10 sales and 1 purchase on Form 4 in twelve months
Congress0 House trades disclosed in six months
Short interest2.1 million shares short, 10.04 days to cover at 15 October 2026
Documentsthe 10-K, the 10-Qs, the proxy and 4 earnings press releases, each linked

Quarterly results, the last 20 quarters

Q3 FY2021Q4 FY2021 *Q1 FY2022Q2 FY2022Q3 FY2022Q4 FY2022 *Q1 FY2023Q2 FY2023Q3 FY2023Q4 FY2023 *Q1 FY2024 †Q2 FY2024 †Q3 FY2024Q4 FY2024 * †Q1 FY2025 †Q2 FY2025 †Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026
Revenue75.188.996.195.510298.910610199.997.092.295.796.665.710611189.683.9122127
Interest expense2.02.42.22.23.08.724.734.239.144.147.347.7n/an/an/an/an/an/an/an/a
Pre-tax income34.612.742.746.148.148.319.337.337.737.731.836.922.66.946.849.826.016.959.063.4
Tax rate20%17%20%21%21%20%22%21%21%21%20%22%17%48%22%23%22%7%21%20%
Net income27.610.534.036.637.938.415.229.429.929.725.328.718.73.636.438.620.415.746.750.5
Net margin37%12%35%38%37%39%14%29%30%31%27%30%19%5%34%35%23%19%38%40%
Diluted EPS$0.97$0.20$0.95$1.03$1.06$1.08$0.37$0.71$0.73$0.72$0.61$0.70$0.45$0.08$0.88$0.93$0.49$0.38$1.13$1.22
Operating cash flow30.127.710030.448.751.436.628.520.645.6-20.187.738.468.752.645.749.755.261.266.5
Capital expenditure2.50.61.21.51.01.50.31.51.31.21.60.10.40.50.21.41.51.21.91.0
Free cash flow27.527.298.928.947.649.936.327.019.344.4-21.787.638.068.252.444.348.254.059.365.5
Buybacks0.00.00.00.00.00.0n/an/an/an/a0.00.00.00.01.00.00.0-0.05.12.1
Dividends paid5.75.77.17.87.87.97.99.09.09.09.09.19.19.19.19.19.59.59.59.9
Shares outstanding29m36m36m36m36m36m41m41m41m41m41m41m41m41m41m41m41m41m41m41m
Filing10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q
Each quarter as filed, linked to its filing.
Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. A quarter marked † is shown as the company last restated it in a later filing, so it compares with the quarters around it on one basis; rest on a figure for the one first filed. EPS is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Income statement (profit and loss), 17 fiscal years and the trailing twelve months

FY2009FY2010FY2011FY2012FY2013FY2014FY2015FY2016FY2017 †FY2018 †FY2019 †FY2020 †FY2021 †FY2022 †FY2023 †FY2024FY2025TTM
Revenue197156158137160146139149214266276299320393404350390423
Interest expense48.931.923.617.311.08.26.97.612.723.833.919.69.516.1142n/an/an/a
Pre-tax income97.914.921.0-40.432.838.541.242.167.711311610312018513298.1140165
Income tax37.65.07.4-17.012.113.514.114.621.824.224.221.724.738.327.821.928.532.0
Effective tax rate38.4%33.2%35.1%n/a36.9%35.1%34.3%34.7%32.1%21.3%20.8%21.0%20.5%20.7%21.1%22.3%20.4%19.4%
Net income56.310.013.6-23.420.725.027.027.546.089.392.081.595.614710476.2111133
Net margin28.6%6.4%8.6%-17.1%12.9%17.1%19.5%18.5%21.5%33.5%33.4%27.2%29.9%37.4%25.8%21.8%28.5%31.5%
Diluted EPS$3.37$0.35$0.44-$1.54$0.98$1.19$1.30$1.33$1.82$3.01$3.10$2.81$3.19$4.12$2.53$1.84$2.68$3.22
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
From each year's 10-K, linked; TTM is the last four quarters.
Read moreFree cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Cash flow and capital returned

Follow the cashA discounted cash flow: five years of free cash flow, added up in today's moneyNot for First Bancorp: a bank's lending and deposits run through its operating cash flow, so its free cash flow swings with the balance sheet rather than with what the bank earns. Book value and return on equity, in the ratios above, are the usual measures for it.

FY2009FY2010FY2011FY2012FY2013FY2014FY2015FY2016FY2017 †FY2018 †FY2019 †FY2020 †FY2021 †FY2022 †FY2023 †FY2024FY2025TTM
Operating cash flow15.064.137.041.771.947.837.441.326.846.451.258.3142231131175203232
Capital expenditure5.317.56.69.06.34.85.58.74.710.73.512.49.45.34.42.74.25.5
Free cash flow9.746.630.432.765.643.131.932.622.235.747.746.0133225127172199227
Cash from investing25172.31715.745.0-25.8-138-240-129-313-425-960-1,274-713-191170-562-581
Cash from financing-140-275-204-22.1-1357.81152382852401421,0391,22529227.5-74.8161188
Depreciation and amortisation4.34.95.35.55.55.45.25.89.512.010.79.89.710.515.814.412.511.8
Share-based compensation0.40.60.90.30.20.30.70.71.11.62.32.52.33.05.14.93.83.2
Buybacksn/an/a0.20.0n/an/an/an/a0.00.010.031.94.00.00.00.01.07.3
Dividends paid7.15.45.45.46.36.36.36.47.611.313.720.922.230.734.936.237.338.5
Dividend per share$0.32$0.32$0.32$0.32$0.32$0.32$0.32$0.32$0.32$0.40$0.54$0.72$0.80$0.88$0.88$0.88$0.91n/a
Diluted shares, weighted17m17m17m17m20m20m20m21m25m30m30m29m30m36m41m41m41m41m
Shares outstanding at period endn/a17m17m20m20m20m20m21m30m30m30m29m36m36m41m41m41m41m
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
Cash paid in the year, from the cash flow statement.
Read moreThe dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

FY2009FY2010FY2011FY2012FY2013FY2014FY2015FY2016FY2017 †FY2018 †FY2019 †FY2020 †FY2021 †FY2022 †FY2023 †FY2024FY2025TTM
Funded by
Shareholders' equity3423453453563723883423686937648528931,2311,0321,3721,4461,6541,716
Depositsn/a2,6532,7552,8212,7512,6962,8112,9474,4074,6594,9316,2749,1259,22810,03210,53110,74811,085
Repurchase agreementsn/a54.517.1n/an/an/an/an/an/an/an/an/an/an/an/an/an/an/a
Short-term borrowingsn/an/an/an/an/an/an/an/an/a2532530.00.02215290.00.0n/a
Debtn/an/a13446.4n/an/an/an/a41140730161.867.428863091.974.674.7
Operating lease liabilitiesn/an/an/an/an/an/an/an/an/an/a19.917.9n/an/an/an/an/an/a
Other liabilitiesn/a22739.321.062.113520929936.4n/an/a43.086.3n/an/a79.7191166
Total liabilities and equityn/a3,2793,2903,2453,1853,2183,3623,6155,5475,8646,1447,29010,50910,62512,11512,14812,66813,042
Owned
Fixed assetsn/a67.770.074.477.475.174.675.4116119115121136134151143139138
Goodwilln/a65.865.865.865.865.865.875.0233234234239364364479479479479
Intangible assetsn/a4.53.93.12.82.11.34.424.421.117.215.417.812.729.522.917.214.8
Securities held for sale or to maturityn/a54.058.02182233373203294626038901,6213,1442,8562,7232,5632,5622,449
Loansn/a2,4052,389n/an/an/an/an/an/an/an/a4,6796,0036,5748,0407,9728,5998,864
Cash and equivalents351212216242223253267306489463231367461270238508310550
Other assetsn/a4704882,6422,5932,4862,6332,8254,2224,4244,656248382413455460563547
Total assetsn/a3,2793,2903,2453,1853,2183,3623,6155,5475,8646,1447,29010,50910,62512,11512,14812,66813,042
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
At the fiscal year end; the TTM column is the latest quarter end.
Read moreBoth totals are the company's own. Other liabilities is the filed total less the rows above it: payables, deferred revenue, taxes, borrowings the rows above do not carry and the rest; other assets is the same on the other side. Investments add the current and non-current lines as filed. Debt is the company's own stated total where it files one, otherwise its long-term debt with the current maturities, never parts added together. A row is left blank in a year where the lines shown overlap and the remainder would fall below nil.

Compounded growth

10 years5 years3 yearsTTM
Sales growth, compounded10.9%5.4%-0.2%11.6%
Profit growth, compounded15.2%6.4%-8.9%37.1%
Return on equity, average8.7%8.3%6.5%6.7%
Yearly growth, compounded; TTM is the last four quarters against the four before.
Read moreReturn on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Questions

What was First Bancorp's revenue in fiscal 2025?

First Bancorp (FBNC) reported revenue of $390 million for fiscal 2025, the year ended 31 December 2025, up 11.5% on the year before.

How much did First Bancorp earn in fiscal 2025?

Net income was $111 million for fiscal 2025, and diluted earnings per share $2.68.

What is First Bancorp's P/E ratio?

At the close of 28 October 2026, First Bancorp traded at 19.7 times its earnings over the twelve months to 30 June 2026.

What is First Bancorp's market cap?

The market cap of First Bancorp was $2.6 billion at the close of 28 October 2026.

Does First Bancorp pay a dividend?

Yes. First Bancorp declared $0.94 a share in dividends over the four quarters to 30 June 2026.

Peers: Banking

CompanyMarket capP/EROEOp. marginSales growth
TTM		Debt to equityDiv. yield
Bank of Nova Scotia BNS *$116.9 billion23.339.0%n/a12.1%n/a3.6%
Bank of New York Mellon Corp. BNY$100.9 billion17.3014.1%n/a10.6%1.381.4%
Itaú Unibanco Holding S.A. ITUB *$81.6 billionn/a21.9%n/a-0.2%n/an/a
Fifth Third Bancorp FITB$48.5 billion18.266.8%n/a23.8%0.653.0%
State Street Corp. STT$47.4 billion14.1712.8%n/a13.3%0.922.0%
M&T Bank Corp. MTB$31.8 billion11.6010.9%n/a5.8%0.652.7%
Northern Trust Corp. NTRS$31.4 billion14.6816.7%n/a15.1%1.181.9%
Banco Bradesco S.A. BBD *$28.9 billionn/a13.3%n/an/a0.227.3%
Citizens Financial Group Inc. CFG$27.5 billion13.139.0%n/a10.6%0.712.8%
First Citizens Bancshares Inc. FCNCA$26.9 billion12.4510.7%n/a0.9%1.470.3%
East West Bancorp Inc. EWBC$18.0 billion12.6215.6%n/a13.7%0.432.1%
Ally Financial Inc. ALLY$11.8 billion9.159.4%n/a11.5%1.483.1%
All 174 in Banking
CompanyMarket capP/EROEOp. marginSales growth
TTM		Debt to equityDiv. yield
JPMorgan Chase & Co. JPM$902.3 billion14.5417.4%n/a13.5%3.301.8%
Bank of America Corp. BAC$357.1 billionn/an/an/an/a2.432.2%
HSBC Holdings plc HSBC *$296.8 billion14.4010.6%41.0%3.7%n/a4.5%
Royal Bank of Canada RY *$286.7 billion20.3614.6%n/a16.1%n/an/a
Wells Fargo & Company WFC$251.3 billion11.8313.1%n/a5.4%2.512.2%
Mitsubishi UFJ Financial Group Inc. MUFG *$242.2 billion22.288.8%34.1%22.6%n/a2.3%
Toronto-Dominion Bank TD *$213.6 billion15.3115.6%n/a18.4%n/a2.6%
American Express Co. AXP$213.5 billion17.9234.2%n/a10.2%1.641.2%
Citigroup Inc. C$208.2 billion13.418.4%n/a10.0%3.841.9%
Banco Santander, S.A. SAN *$171.9 billion11.6112.5%n/a0.5%n/a2.2%
Banco Bilbao Vizcaya Argentaria, S.A. BBVA *$142.7 billion12.6817.0%43.7%4.1%n/a3.3%
Capital One Financial Corp. COF$125.7 billion12.689.2%n/a45.3%0.401.5%
Bank of Montreal BMO *$123.3 billion21.279.9%n/a10.6%n/a2.9%
Mizuho Financial Group Inc. MFG *$118.8 billion16.3710.7%n/a38.1%n/a2.1%
Bank of Nova Scotia BNS *$116.9 billion23.339.0%n/a12.1%n/a3.6%
HDFC Bank Limited HDB *$110.6 billion14.918.6%n/a5.2%n/a2.2%
Canadian Imperial Bank of Commerce CM *$109.1 billion19.2213.1%n/a13.8%n/a2.6%
Bank of New York Mellon Corp. BNY$100.9 billion17.3014.1%n/a10.6%1.381.4%
ING Groep N.V. ING *$95.5 billion10.5715.4%n/an/an/a4.6%
U.S. Bancorp USB$92.9 billion11.9012.1%n/a6.7%1.423.5%
Sumitomo Mitsui Financial Group, Inc. SMFG *$92.5 billion12.806.2%n/a26.1%0.583.9%
PNC Financial Services Group, Inc. PNC$91.1 billion12.5611.5%n/a13.2%1.343.0%
Itaú Unibanco Holding S.A. ITUB *$81.6 billionn/a21.9%n/a-0.2%n/an/a
Lloyds Banking Group plc LYG *$81.5 billion14.939.8%n/a7.9%n/a3.2%
Barclays plc BCS *$79.4 billion10.129.2%n/a8.8%n/a2.1%
NatWest Group plc NWG *$71.0 billion9.5712.9%n/a13.2%n/a4.4%
Nu Holdings Ltd. NU *$58.1 billion20.4825.4%n/a37.0%0.39n/a
Truist Financial Corp. TFC$58.1 billion12.487.9%n/a-3.6%1.074.3%
Strategy Inc. MSTR$51.2 billionn/a-98.5%-7,295.4%7.8%0.22n/a
Fifth Third Bancorp FITB$48.5 billion18.266.8%n/a23.8%0.653.0%
State Street Corp. STT$47.4 billion14.1712.8%n/a13.3%0.922.0%
Coinbase Global, Inc. COIN$42.8 billionn/a-7.6%9.9%-10.4%0.45n/a
ORIX Corporation IX *$41.4 billionn/a10.0%13.7%15.9%n/a2.7%
KB Financial Group Inc. KB *$41.4 billion10.039.9%47.5%5.4%n/a2.2%
Rocket Companies, Inc. RKT$32.9 billion82.612.0%6.6%108.2%0.46n/a
M&T Bank Corp. MTB$31.8 billion11.6010.9%n/a5.8%0.652.7%
Huntington Bancshares Inc. HBAN$31.7 billion12.987.7%n/a30.6%0.733.9%
Northern Trust Corp. NTRS$31.4 billion14.6816.7%n/a15.1%1.181.9%
Shinhan Financial Group Co. Ltd. SHG *$31.3 billion8.858.6%n/an/a0.962.9%
Banco Bradesco S.A. BBD *$28.9 billionn/a13.3%n/an/a0.227.3%
Citizens Financial Group Inc. CFG$27.5 billion13.139.0%n/a10.6%0.712.8%
First Citizens Bancshares Inc. FCNCA$26.9 billion12.4510.7%n/a0.9%1.470.3%
Affirm Holdings, Inc. AFRM$25.6 billion13.2835.2%9.8%32.2%1.79n/a
Regions Financial Corp. RF$24.2 billion11.6011.8%n/a4.4%0.403.7%
Synchrony Financial SYF$23.4 billion7.8720.1%n/a0.3%1.031.6%
Keycorp KEY$22.6 billion12.3310.3%n/a51.6%0.743.9%
SoFi Technologies, Inc. SOFI$22.1 billion35.695.7%n/a40.8%0.300.0%
Circle Internet Group, Inc. CRCL$22.0 billion43.6812.9%7.4%n/a0.00n/a
East West Bancorp Inc. EWBC$18.0 billion12.6215.6%n/a13.7%0.432.1%
Pinnacle Financial Partners, Inc. PNFP$15.0 billionn/an/an/an/a0.751.6%
Ally Financial Inc. ALLY$11.8 billion9.159.4%n/a11.5%1.483.1%
Chime Financial, Inc. CHYM$11.3 billionn/a-1.3%-2.1%n/an/an/a
First Horizon Corp. FHN$11.0 billion11.1111.5%n/a10.3%0.472.8%
Iren Ltd. IREN$10.3 billionn/a-16.8%-148.0%41.1%1.810.0%
SouthState Bank Corp. SSB$10.2 billion11.0410.4%n/a25.2%0.172.3%
Wintrust Financial Corp. WTFC$10.1 billion12.0712.0%n/a11.5%0.581.4%
Popular, Inc. BPOP$10.1 billion10.6715.1%n/a9.9%0.231.9%
UMB Financial Corp. UMBF$10.0 billion10.0113.1%n/a27.3%0.451.4%
Cullen/Frost Bankers, Inc. CFR$9.8 billion14.6117.3%n/a6.6%1.352.6%
Zions Bancorporation, National Association ZION$9.5 billion8.3315.2%n/a15.2%0.412.8%
Old National Bancorp ONB$9.4 billion10.1011.5%n/a21.8%0.862.3%
Columbia Banking System, Inc. COLB$8.7 billion12.249.4%n/a33.6%0.654.8%
Hut 8 Corp. HUT$8.6 billionn/a-41.6%-295.3%129.5%5.36n/a
Central Bancompany, Inc. CBC$8.4 billionn/an/an/an/a4.213.2%
Western Alliance Bancorporation WAL$8.3 billion8.5512.5%n/a19.7%0.932.2%
BOK Financial Corp. BOKF$7.9 billion12.2510.7%n/a9.8%0.821.9%
Commerce Bancshares Inc. CBSH$7.9 billion13.3213.4%n/a8.6%0.562.0%
Valley National Bancorp VLY$7.8 billion11.958.8%n/a12.2%0.393.1%
Prosperity Bancshares Inc. PB$7.2 billion12.326.8%n/a13.3%0.32n/a
Terawulf Inc. WULF$6.7 billionn/a-1,323.4%-250.4%14.6%n/a0.0%
OneMain Holdings, Inc. OMF$6.6 billion8.6823.1%n/a7.8%6.737.3%
United Bankshares Inc. UBSI$6.5 billion13.099.3%n/a14.5%0.133.1%
FNB Corp. FNB$6.4 billion10.808.8%n/a11.8%0.682.7%
Glacier Bancorp, Inc. GBCI$6.3 billion19.727.2%n/a32.2%0.512.7%
Home Bancshares Inc. HOMB$6.0 billion12.2810.5%n/a7.1%0.202.8%
Hancock Whitney Corp. HWC$5.8 billion14.089.6%n/a-0.2%0.402.6%
Figure Technology Solutions, Inc. FIGR$5.8 billion25.1016.8%28.4%n/a0.68n/a
Credit Acceptance Corp. CACC$5.7 billion11.9731.6%27.9%2.6%0.69n/a
Atlantic Union Bankshares Corp. AUB$5.6 billion11.729.5%n/a46.5%0.373.7%
Associated Banc-Corp ASB$5.6 billion10.389.6%n/a45.2%0.883.2%
Ameris Bancorp ABCB$5.5 billion14.819.2%n/a8.7%0.341.0%
Riot Platforms, Inc. RIOT$5.5 billionn/a-60.4%-199.2%24.5%0.38n/a
Axos Financial, Inc. AX$5.2 billion10.8015.5%n/a17.6%0.34n/a
Eastern Bankshares, Inc. EBC$5.2 billion12.808.8%n/a81.8%0.092.4%
Core Scientific, Inc. CORZ$4.8 billionn/an/an/a26.4%n/an/a
TFS Financial Corp. TFSL$4.7 billion46.365.2%n/a10.5%2.976.8%
Fulton Financial Corp. FULT$4.5 billion11.1710.4%n/a6.7%0.453.2%
Enova International, Inc. ENVA$4.4 billion12.3824.4%24.0%20.1%3.43n/a
Dave Inc. DAVE$4.4 billion20.92107.1%n/a48.6%0.93n/a
United Community Banks Inc. UCB$4.4 billionn/an/an/an/a0.322.7%
First Financial Bankshares Inc. FFIN$4.3 billion16.2013.5%n/a12.4%0.042.6%
Cathay General Bancorp CATY$4.3 billion12.6111.4%n/a14.5%0.042.2%
Texas Capital Bancshares Inc. TCBI$4.3 billion13.0310.4%n/a10.9%0.14n/a
Flagstar Bank, National Association FLG$4.2 billion339.000.6%n/a-6.4%1.340.4%
International Bancshares Corp. IBOC$4.1 billion9.9912.2%n/a4.0%0.222.2%
First Bancorp /PR FBP$4.1 billion11.2618.8%n/a6.0%0.102.8%
Wsfs Financial Corp. WSFS$4.0 billion13.1111.8%n/a4.5%0.110.9%
Bread Financial Holdings, Inc. BFH$4.0 billion8.2615.6%n/a5.5%1.290.9%
CVB Financial Corp. CVBF$4.0 billion15.546.5%n/a14.1%0.353.5%
Independent Bank Corp. INDB$3.9 billion14.647.7%n/a41.0%0.203.0%
Bancfirst Corp. BANF$3.7 billion14.9212.9%n/a9.4%0.051.8%
Wesbanco Inc. WSBC$3.7 billion10.618.7%n/a38.1%0.433.9%
Cipher Digital Inc. CIFR$3.7 billionn/a-199.1%-278.1%20.3%9.69n/a
Renasant Corp. RNST$3.7 billion12.038.1%n/a32.8%0.292.3%
Nicolet Bankshares Inc. NIC$3.6 billion19.416.8%n/a41.0%0.040.8%
First Interstate Bancsystem Inc. FIBK$3.6 billion11.569.8%n/a6.0%0.235.0%
First Financial Bancorp FFBC$3.4 billion11.559.5%n/a18.3%0.333.1%
Simmons First National Corp. SFNC$3.3 billionn/a-10.0%n/a-79.0%0.373.7%
Community Financial System, Inc. CBU$3.3 billion14.5511.0%n/a9.5%0.293.0%
PennyMac Financial Services, Inc. PFSI$3.3 billion8.719.0%22.9%25.9%1.461.9%
SLM Corp. SLM$3.2 billion6.4225.2%n/a-6.7%2.852.9%
Gpgi, Inc. GPGI$3.2 billionn/a-10.0%n/an/a0.00n/a
Park National Corp. PRK$3.2 billion15.9611.0%n/a14.8%0.082.5%
Seacoast Banking Corp. of Florida SBCF$3.2 billion21.295.9%n/a31.9%0.482.3%
BankUnited, Inc. BKU$3.1 billion11.729.1%n/a6.8%0.743.0%
First Hawaiian, Inc. FHB$3.1 billion11.0510.1%n/a9.3%0.004.1%
Provident Financial Services Inc. PFS$3.0 billion9.6410.8%n/a8.1%0.974.1%
Customers Bancorp, Inc. CUBI$2.9 billion10.5613.2%n/a34.9%1.06n/a
Banc of California, Inc. BANC$2.9 billionn/a-0.7%n/a-13.3%0.892.4%
Mara Holdings, Inc. MARA$2.8 billionn/a-208.1%-366.3%0.7%1.46n/a
Bank of Hawaii Corp. BOH$2.7 billion12.2913.5%n/a12.7%0.494.0%
NBT Bancorp Inc. NBTB$2.7 billion12.7011.0%n/a19.4%0.242.8%
FB Financial Corp. FBK$2.6 billion14.1910.1%n/a63.7%0.161.5%
First Bancorp FBNC$2.6 billion19.687.8%n/a11.6%0.041.5%
Trustmark Corp. TRMK$2.6 billion11.4210.9%n/a4.5%0.342.2%
Beacon Financial Corp. BBT$2.5 billion15.916.3%n/an/a0.354.2%
First Merchants Corp. FRME$2.5 billion13.026.9%n/a5.1%0.593.6%
First Busey Corp. BUSE$2.4 billion12.089.7%n/a41.4%0.183.4%
Stock Yards Bancorp, Inc. SYBT$2.4 billion15.3412.0%n/a13.0%0.351.7%
Upstart Holdings, Inc. UPST$2.3 billion49.277.6%4.0%46.3%2.51n/a
Banner Corp. BANR$2.3 billionn/an/an/an/a0.262.9%
Euronet Worldwide, Inc. EEFT$2.3 billion9.6023.4%11.5%5.8%2.16n/a
Enterprise Financial Services Corp. EFSC$2.3 billion12.419.3%n/a14.4%0.332.1%
Merchants Bancorp MBIN$2.3 billion9.8611.2%n/a6.8%1.790.8%
Northwest Bancshares, Inc. NWBI$2.2 billion14.777.9%n/a17.4%0.445.3%
Federal Agricultural Mortgage Corp. AGM$2.2 billion11.1612.3%n/a14.7%18.753.0%
ServisFirst Bancshares, Inc. SFBS$2.2 billion6.7916.2%n/a20.5%0.823.7%
Wafd Inc. WAFD$2.2 billion9.248.5%n/a7.8%1.103.7%
Encore Capital Group Inc. ECPG$2.2 billion7.6928.0%37.7%29.5%4.13n/a
OFG Bancorp OFG$2.1 billion10.0315.7%n/a4.0%0.402.6%
First Commonwealth Financial Corp. FCF$2.1 billion12.7910.7%n/a11.5%0.172.6%
1ST Source Corp. SRCE$2.1 billion12.0013.5%n/a9.9%0.221.9%
Hilltop Holdings Inc. HTH$2.1 billion15.286.7%n/a0.2%0.462.2%
Bancorp, Inc. TBBK$2.1 billionn/an/an/an/a1.36n/a
City Holding Co. CHCO$2.0 billion15.5916.3%n/a7.2%0.652.4%
Dime Commercial Bancshares, Inc. DCOM$1.8 billion15.128.5%n/a36.6%0.41n/a
German American Bancorp, Inc. GABC$1.8 billion12.9211.7%n/a29.2%0.142.5%
S&T Bancorp Inc. STBA$1.8 billion13.4310.0%n/a8.1%0.202.8%
Hope Bancorp Inc. HOPE$1.8 billion13.885.6%n/a29.4%0.254.0%
Byline Bancorp, Inc. BY$1.7 billion11.6811.5%n/a10.2%0.461.1%
Oceanfirst Financial Corp. OCFC$1.7 billion20.812.0%17.7%13.5%0.954.5%
Trico Bancshares / TCBK$1.7 billion12.7510.1%n/a8.8%0.042.7%
National Bank Holdings Corp. NBHC$1.7 billion15.765.9%n/a12.5%0.213.3%
Happen, Inc. HAPN$1.7 billion8.6312.5%n/a18.4%0.00n/a
QCR Holdings Inc. QCRH$1.7 billion11.9312.4%n/a16.6%0.570.3%
Bank First Corp. BFC$1.6 billion19.249.9%n/a31.6%0.131.3%
ConnectOne Bancorp, Inc. CNOB$1.6 billion10.689.8%n/a63.4%0.562.3%
Live Oak Bancshares, Inc. LOB$1.6 billionn/an/an/an/a0.080.3%
Sharplink, Inc. SBET$1.6 billionn/a-121.2%-3,401.5%1,496.7%n/an/a
Pathward Financial, Inc. CASH$1.6 billion9.5220.7%n/a-0.8%0.240.3%
Wealthfront Corp. WLTH$1.6 billionn/a-11.6%n/an/an/an/a
Amalgamated Financial Corp. AMAL$1.5 billion13.6413.6%n/a14.4%0.08n/a
Triumph Financial, Inc. TFIN$1.5 billion32.095.1%n/a11.7%0.12n/a
Lakeland Financial Corp. LKFN$1.5 billion13.5115.5%n/a7.8%0.143.4%
Tompkins Financial Corp. TMP$1.5 billion8.2818.3%n/a42.5%0.762.6%
Westamerica Bancorporation WABC$1.4 billion13.4313.0%n/a-8.3%0.153.1%
Heritage Financial Corp. HFWA$1.2 billion13.677.0%n/a30.2%0.173.3%
Walker & Dunlop, Inc. WD$1.1 billion30.552.3%4.3%8.0%0.487.8%
Eagle Bancorp Inc. EGBN$1.0 billionn/a-4.2%n/a-0.3%0.150.6%
Hanmi Financial Corp. HAFC$969 million11.0011.0%31.2%15.7%0.163.4%
Central Pacific Financial Corp. CPF$967 million11.4615.0%n/a10.4%0.133.1%
Trustco Bank Corp. N Y TRST$966 million15.779.9%n/a10.2%0.172.7%
Southside Bancshares Inc. SBSI$943 million9.5611.8%n/a15.9%2.264.6%
World Acceptance Corp. WRLD$814 million21.3010.8%8.6%4.3%1.58n/a
66 companies share its SEC industry code (State Commercial Banks); the rest are the names nearest in size in its wider industry, Banking, one of the Fama-French 48 industries, a published grouping of SEC industry codes.
Read moreBy market capitalisation; a click on a heading sorts by it, largest first, and a second click turns it round. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close; a name marked * is a foreign company that files once a year, on its latest fiscal year.

Filings

FilingPeriodFiledWhere
10-Q30 June 20266 August 2026EDGAR
10-Q31 March 20267 May 2026EDGAR
10-K31 December 202525 February 2026EDGAR
10-Q30 September 20257 November 2025EDGAR
10-Q30 June 20257 August 2025EDGAR
10-Q31 March 20259 May 2025EDGAR
10-K31 December 202426 February 2025EDGAR
10-Q30 September 20246 November 2024EDGAR
10-Q30 June 20247 August 2024EDGAR
10-Q31 March 20248 May 2024EDGAR