Hand of the Market Screener
Quality checklist

4 of 4 checks passed · quarter ending 2026-06-30

  • Return on tangible equity at least 10%10.9%passed
  • Efficiency ratio at most 60%58.0%passed
  • Equity at least 8% of assets13.2%passed
  • Share count up at most 5% in 3 years0.7%passed
  • Revenue grew over 3 years—no value
Insider buying, last 90 days

1 insider bought $14,837 in 1 purchase, 2026-09-11 – 2026-09-11

  • Nevin Katharine Caldwell · Director $14,837
Tracked funds, latest reports
Active managers
+$15.37M +0.6 pp of the company
3 buying · 0 selling · 3 holding
Mutual funds & ETFs
+$118.7K +0.0 pp of the company
1 buying · 0 selling · 2 holding

Each factor with its sector median and, where it's reported per quarter, its last 12 quarters.

Size & liquidity
FBNCSector12 quartersMarket cap$2.65B$6.02BEnterprise value$2.17B$8.09BAvg daily $ volume$18.46M$69.62MDaily turnover0.7%0.9%
Growth
FBNCSector12 quartersRevenue CAGR 3y—9.3%Revenue CAGR 5y—7.4%Revenue growth YoY—10.7%Revenue acceleration—−0.5 ppFCF growth YoY11.9%13.9%-32.1% → 11.9%FCF conversion170.3%111.5%124.0% → 170.3%Forward growth (HoM est.)—10.6%
Valuation
FBNCSector12 quartersP/E (trailing)19.9×13.0×P/E (forward, HoM est.)—11.9×P/E vs. sector1.5×1.0×PEG (HoM est.)—1.33EV/Sales—2.7×FCF yield10.4%7.4%Dividend yield1.5%2.0%Shareholder yield1.7%4.6%
Quality
FBNCSector12 quartersQuality checks passed43ROIC—15.0%Gross margin—61.0%Gross margin Δ 3y—+3.8 ppOperating margin—23.7%Operating margin Δ 3y—+2.0 ppShare count Δ 3y0.7%-1.6%43.2% → 0.7%Stock compensation / revenue—2.0%Accruals ratio-0.8%-0.5%-0.3% → -0.8%
Banking (financials)
FBNCSector12 quartersEfficiency ratio58.0%58.5%60.0% → 58.0%Net interest income / assets3.3%3.2%3.1% → 3.3%Credit cost0.1%0.2%0.3% → 0.1%Return on tangible equity10.9%14.6%15.2% → 10.9%Equity / assets13.2%13.4%10.5% → 13.2%Price / tangible book2.2×1.8×
Earnings & estimates
FBNCSector12 quartersDays to next report1513
Ownership & positioning
FBNCSector12 quartersInsider buys (90d)10Insiders buying (90d)10Insider net value (90d)-$1.45M-$161.4KInstitutional ownership82.6%85.8%Institutional Δ QoQ−1.7 pp+0.8 ppConviction funds net buying—+0.0 ppActive managers net buying+0.6 pp−0.0 ppActive funds net buying+0.0 pp+0.0 ppDays to cover7.934.49Short % of shares out5.5%4.4%Short interest Δ+0.2 pp+0.1 pp

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Source: SEC EDGAR: Forms 4 (insider trades), 10-Q and 10-K (financials). Insider trades as filed (amendments applied); financial metrics computed by Hand of the Market from the companies' quarterly and annual reports. Each trade links to its filing.

Not investment advice. These signals are starting points for research, not recommendations. Data may contain errors or lag the filings.