Three independent discounted-cash-flow-style models value First Bancorp/NC every trading day. 0 of 3 currently price FBNC above its market price.
| Free Cash Flow model | $-17.65 |
| Excess Profit model | $41.37 |
| Residual Earnings model | $5.45 |
| Dividend Discount model | $19.95 |
| Piotroski F-Score | 6 / 9 |
| Return on invested capital | +6.4% |
| Net debt / EBITDA | -1.7× |
| Gross margin | +100.0% |
| Revenue CAGR | -41.7% |
| Cash conversion | 1.8× |
| Dividend yield | +1.6% |
| Buyback yield | -0.4% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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