Loading
NYSEFinancial ServicesBanks - Regional
Latest quote
$12.78
+$0.04 · +0.31%
First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses. 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 with additional offices in Atlanta, Georgia; Cary, North Carolina; Columbia and Greenville, South Carolina; Raleigh, Reidsville, and Wilmington, North Carolina; and Virginia Beach, Virginia.
Previous close
$12.78
+$0.04 · +0.31%
Regular session · ET · Market data may be delayed.
First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses. 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 with additional offices in Atlanta, Georgia; Cary, North Carolina; Columbia and Greenville, South Carolina; Raleigh, Reidsville, and Wilmington, North Carolina; and Virginia Beach, Virginia.
Day range
Current $12.78
52-week range
Current $12.78
Regular session · ET · Market data may be delayed.
GoAI Score
Hold
Valuation
73
Undervalued
Sentiment
56
Mixed
Risk
31
Moderate Risk
Momentum
36
Weakening
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services for individuals and businesses. 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 with additional offices in Atlanta, Georgia; Cary, North Carolina; Columbia and Greenville, South Carolina; Raleigh, Reidsville, and Wilmington, North Carolina; and Virginia Beach, Virginia.
Day range
Current $12.78
52-week range
Current $12.78
Profitability as a percentage of reported revenue.
Revenue
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| Revenue | 211.96M USD | 71.54M USD | 63.06M USD |
| Cost of goods sold | 99.53M USD | — | — |
| Gross profit | 112.43M USD | 71.54M USD | 63.06M USD |
| Selling, general, and administrative | 77.34M USD | 38.72M USD | 30.36M USD |
| Operating expenses | 96.87M USD | — | — |
| Interest income | 189.43M USD | 176.09M USD | 135.57M USD |
| Interest expense | 92.91M USD | 84.77M USD | 69.69M USD |
| Depreciation and amortization | 4.93M USD | 1.64M USD | 1.29M USD |
| Operating income | 15.55M USD | — | — |
| Net income | 12.2M USD | 20.91M USD | 19.63M USD |
Company facts updated Sep 8, 2026.
Reported history and fiscal-year consensus
Reported history and fiscal-year consensus
Third-party consensus; not a GoAI recommendation.
Average target
$14.50
13.46% upsideAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
