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    FCBM

    First Carolina Financial Services, Inc.

    Company overview

    Market capitalization
    $392.71M
    Employees
    263
    Latest publication
    2026-09-29
    About First Carolina Financial Services, Inc.

    First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses in the United States. The company offers business services including checking, savings, and money market deposit accounts, certificates of deposit, individual retirement accounts, and CARS; commercial financing, real estate loans, and consumer loans; credit and debit cards; IntraFi Cash, remote deposit capture, treasury management, merchant services, and wealth management services; higher education solutions, attorney advantage accounts, and interest on lawyer trust accounts; payments services; consumer banking; real estate banking; commercial and industrial banking; higher education disbursements; BankMobile platform; retail banking; and trust and fiduciary services. The company offers personal services that include deposit solutions such as checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and IRAs; services such as ICS and CARS for deposit management; borrowing options including consumer loans and credit cards; online banking and bill pay services; and debit cards. The company was incorporated in 2009 and is headquartered in Raleigh, North Carolina.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ1 20252025-03-31 · USD
    Total Revenue53,521,000USD50,706,000USD31,480,000USD
    Interest Income46,846,000USD45,741,000USD44,409,000USD
    Interest Expense21,258,000USD20,670,000USD20,818,000USD
    Net Interest Income25,588,000USD25,071,000USD23,591,000USD
    Non Interest Income6,675,000USD——
    Revenue Net Of Interest Expense32,263,000USD——
    Non Interest Expense25,502,000USD——
    Labor And Related Expense11,662,000USD——
    Income Before Tax6,488,000USD7,334,000USD5,824,000USD
    Income Tax Expense1,392,000USD1,423,000USD1,119,000USD
    Net Income5,096,000USD5,911,000USD4,705,000USD
    Net Income Applicable To Common Shares5,096,000USD——
    Cost Of Revenue—19,816,000USD—
    Gross Profit—30,890,000USD31,480,000USD
    Selling General Administrative—18,100,000USD16,454,000USD
    Unclassified Operating Expenses—5,456,000USD—
    Total Operating Expenses—23,556,000USD—
    Operating Income—7,334,000USD—
    Tax Provision—1,423,000USD1,119,000USD
    Net Income From Continuing Ops—5,911,000USD4,705,000USD
    Ebit—7,334,000USD—
    Ebitda—8,769,000USD—
    Depreciation And Amortization—1,435,000USD1,496,000USD
    Reconciled Depreciation—2,128,000USD1,496,000USD
    Total Other Income Expense Net——5,824,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USD
    Total Revenue211,961,000USD71,535,000USD63,057,000USD
    Cost Of Revenue99,534,000USD——
    Gross Profit112,427,000USD71,535,000USD63,057,000USD
    Selling General Administrative76,855,000USD38,242,000USD29,980,000USD
    Selling And Marketing Expenses481,000USD480,000USD377,000USD
    Unclassified Operating Expenses19,537,000USD——
    Total Operating Expenses96,873,000USD——
    Operating Income15,554,000USD——
    Interest Income189,434,000USD176,086,000USD135,567,000USD
    Interest Expense92,914,000USD84,770,000USD69,689,000USD
    Net Interest Income96,520,000USD91,316,000USD65,878,000USD
    Income Before Tax15,554,000USD26,439,000USD24,697,000USD
    Income Tax Expense3,353,000USD5,527,000USD5,069,000USD
    Tax Provision3,353,000USD5,527,000USD5,069,000USD
    Net Income12,201,000USD20,912,000USD19,628,000USD
    Net Income From Continuing Ops12,201,000USD20,912,000USD19,628,000USD
    Ebit15,554,000USD——
    Ebitda20,479,000USD——
    Depreciation And Amortization4,925,000USD1,637,000USD1,291,000USD
    Reconciled Depreciation7,463,000USD1,637,000USD1,291,000USD
    Total Other Income Expense Net—26,439,000USD24,697,000USD
    Minority Interest—0USD0USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ1 20252025-03-31 · USD
    Total Assets3,405,929,000USD3,418,377,000USD—
    Cash And Equivalents118,821,000USD——
    Total Liabilities2,976,275,000USD——
    Total Stockholder Equity429,654,000USD353,354,000USD—
    Total Equity Including Noncontrolling Interest429,654,000USD——
    Property Plant Equipment Net48,470,000USD43,531,000USD—
    Goodwill46,266,000USD——
    Common Stock15,535,000USD12,307,000USD—
    Retained Earnings106,254,000USD101,160,000USD—
    Accumulated Other Comprehensive Income-330,000USD-797,000USD—
    Intangible Assets—23,436,000USD—
    Other Current Assets—-190,323,000USD—
    Total Liab—3,065,023,000USD—
    Other Current Liab—-3,695,000USD—
    Capital Stock—12,307,000USD—
    Good Will—46,266,000USD—
    Other Assets—3,418,377,000USD—
    Cash—190,323,000USD—
    Cash And Short Term Investments—190,323,000USD—
    Net Debt—-126,860,000USD—
    Short Long Term Debt—0USD—
    Short Long Term Debt Total—63,463,000USD—
    Long Term Debt—63,463,000USD—
    Long Term Investments—331,641,000USD—
    Short Term Investments—0USD—
    Accounts Payable—3,695,000USD—
    Common Stock Shares Outstanding—30,245,752shares30,245,752shares
    Non Currrent Assets Other—-444,874,000USD—
    Unclassified Equity—228,377,000USD—
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USD
    Total Assets3,317,508,000USD3,039,338,000USD2,725,375,000USD
    Intangible Assets32,481,000USD——
    Other Current Assets-155,942,000USD-197,648,000USD-246,186,000USD
    Total Liab2,970,583,000USD2,702,021,000USD2,457,002,000USD
    Total Stockholder Equity346,925,000USD337,317,000USD268,373,000USD
    Other Current Liab-78,588,000USD-102,785,000USD-447,000USD
    Common Stock12,261,000USD12,307,000USD10,823,000USD
    Capital Stock12,261,000USD12,307,000USD10,823,000USD
    Retained Earnings95,249,000USD84,368,000USD63,456,000USD
    Good Will46,266,000USD1,792,000USD1,792,000USD
    Other Assets3,317,508,000USD3,039,338,000USD2,725,375,000USD
    Cash134,116,000USD168,055,000USD160,970,000USD
    Cash And Short Term Investments134,116,000USD168,079,000USD181,459,000USD
    Net Debt4,320,000USD-4,726,000USD-97,747,000USD
    Short Term Debt75,000,000USD100,000,000USD—
    Short Long Term Debt75,000,000USD100,000,000USD0USD
    Short Long Term Debt Total138,436,000USD163,329,000USD63,223,000USD
    Long Term Debt63,436,000USD63,329,000USD63,223,000USD
    Long Term Investments312,090,000USD168,624,000USD202,193,000USD
    Short Term Investments0USD24,000USD20,489,000USD
    Net Receivables21,826,000USD29,569,000USD64,727,000USD
    Accounts Payable3,588,000USD2,785,000USD447,000USD
    Property Plant Equipment Net43,321,000USD42,796,000USD40,752,000USD
    Property Plant Equipment Gross51,690,000USD49,343,000USD45,923,000USD
    Accumulated Other Comprehensive Income-488,000USD-1,495,000USD-1,873,000USD
    Common Stock Shares Outstanding30,245,752shares30,245,752shares30,245,752shares
    Non Currrent Assets Other-434,158,000USD-213,212,000USD-244,737,000USD
    Unclassified Equity227,642,000USD229,830,000USD185,144,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow YTD

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USD
    Depreciation2,394,000USD
    Stock Based Compensation1,978,000USD
    Deferred Income Tax1,035,000USD
    Change To Liabilities-3,276,000USD
    Change In Working Capital6,864,000USD
    Operating Cash Flow19,403,000USD
    Capital Expenditures-234,000USD
    Net Investments-13,225,000USD
    Other Investing Activities0USD
    Unclassified Investing Cash Flow-102,417,000USD
    Investing Cash Flow-115,876,000USD
    Net Common Stock Issuance-40,000USD
    Unclassified Financing Cash Flow81,218,000USD
    Financing Cash Flow81,178,000USD
    Change In Cash-15,295,000USD
    End Cash Flow118,821,000USD
    SourceDisclosureDeterministicFinal

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ1 20252025-03-31 · USD
    Net Income5,911,000USD4,705,000USD
    Depreciation2,128,000USD1,496,000USD
    Stock Based Compensation828,000USD820,000USD
    Other Non Cash Items-1,033,000USD216,000USD
    Change In Working Capital4,345,000USD11,823,000USD
    Total Cash From Operating Activities13,313,000USD19,856,000USD
    Capital Expenditures-258,000USD-1,843,000USD
    Free Cash Flow13,055,000USD18,013,000USD
    Investments-19,836,000USD11,509,000USD
    Total Cashflows From Investing Activities-53,026,000USD-140,901,000USD
    Total Cash From Financing Activities95,920,000USD172,051,000USD
    Sale Purchase Of Stock-1,000USD0USD
    Change In Cash56,207,000USD51,006,000USD
    Begin Period Cash Flow134,116,000USD168,055,000USD
    End Period Cash Flow190,323,000USD219,061,000USD
    Other Cashflows From Investing Activities-32,932,000USD-53,846,000USD
    Other Cashflows From Financing Activities95,921,000USD172,051,000USD
    Unclassified Operating Cash Flow1,134,000USD—
    Unclassified Investing Cash Flow—-96,721,000USD
    SourceLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USD
    Net Income12,201,000USD20,912,000USD19,628,000USD
    Depreciation7,463,000USD1,637,000USD1,291,000USD
    Stock Based Compensation3,448,000USD2,845,000USD2,236,000USD
    Other Non Cash Items5,462,000USD-2,679,000USD405,000USD
    Change In Working Capital4,552,000USD38,065,000USD-53,613,000USD
    Total Cash From Operating Activities35,925,000USD61,943,000USD-30,693,000USD
    Capital Expenditures-3,894,000USD-4,759,000USD-7,068,000USD
    Free Cash Flow32,031,000USD57,184,000USD-37,761,000USD
    Investments-146,565,000USD33,876,000USD-51,053,000USD
    Total Cashflows From Investing Activities-322,957,000USD-347,349,000USD-524,266,000USD
    Total Cash From Financing Activities253,093,000USD292,491,000USD585,889,000USD
    Sale Purchase Of Stock-7,040,000USD0USD-44,000USD
    Issuance Of Capital Stock0USD44,809,000USD—
    Change In Cash-33,939,000USD7,085,000USD30,930,000USD
    Begin Period Cash Flow168,055,000USD160,970,000USD130,040,000USD
    End Period Cash Flow134,116,000USD168,055,000USD160,970,000USD
    Other Cashflows From Investing Activities-75,777,000USD-376,466,000USD-466,145,000USD
    Other Cashflows From Financing Activities260,133,000USD197,576,000USD585,826,000USD
    Unclassified Operating Cash Flow2,799,000USD1,163,000USD—
    Unclassified Investing Cash Flow-96,721,000USD——
    Net Borrowings—50,106,000USD107,000USD
    Unclassified Financing Cash Flow—44,809,000USD—
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    No revenue breakdown is currently published for this company.

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.