First Carolina Financial Services, Inc. (FCBM) Fair Value 2026

FCBM · Banks - Regional · 2026-08-27

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.5 /10

32 fundamental signals · 1 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, First Carolina Financial Services, Inc. (FCBM) trades at $12.69. QOC: 5.5/10. Value Trap Risk: 0/100 (SAFE). 1/13 models active.

Key Facts

Ticker: FCBM
Price: $12.69
Quality Score: 5.5/10
Value Trap Risk: 0/100
Models Active: 1/13
Last Updated: 2026-08-27

Strength: Regime Cross-Sectional suggests +58.4% upside with 12% confidence

Risk: Limited model coverage (1/13) may reduce confidence

What Fair Value Does Each Model Give FCBM?

1 Intrinsic Value Models vs. Current Price ($12.69)

Core Models (Unlocked)
Model	Fair Value	Upside
Regime Cross-Sectional Relative · Low Conviction	$20.10	+58.4%

All Models Active

All 1 models are displayed above.

What Is First Carolina Financial Services, Inc. (FCBM) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, First Carolina Financial Services, Inc.'s intrinsic value is estimated at a median fair value of $20.10. At a current market price of $12.69, 1 of 1 active valuation models identify upside potential, projecting a median implied return of +58.4%.

What Do the Models Say About FCBM?

1 of 13 models are currently active for FCBM. All 1 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does FCBM Rank in Banks - Regional?

Among 349 Banks - Regional stocks, FCBM ranks #334 by Quality of Company score. CirclFi's QOC score of 5.5/10 evaluates 32 fundamental signals. A score of 5.5 reflects mixed fundamentals.

See all Most Undervalued Banks - Regional Stocks →

First Carolina Financial Services, Inc.'s positioning within the Banks - Regional segment means that loan loss provisions plays an outsized role in fundamental analysis. The sector's unique characteristics — including loan portfolio growth — shape both the opportunity set and risk profile.

Is FCBM a Value Trap?

CirclFi's Value Trap algorithm assigns FCBM a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for First Carolina Financial Services, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, First Carolina Financial Services, Inc. earns a quality score of 5.5/10. This mixed rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FCBM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FCBM's 1 active models, average confidence is 12%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy First Carolina Financial Services, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CARVCarver Bancorp, Inc.QOC 5.7 PNBKPatriot National Bancorp, Inc.QOC 5.4 MFBIMonroe Federal Bancorp, Inc.QOC 5.7 MGNOMagnolia Bancorp, Inc.QOC 5.4 PBHCPathfinder Bancorp, Inc.QOC 6.0 BSPABallston Spa Bancorp, Inc.QOC 5.3 OVBCOhio Valley Banc Corp.QOC 8.4 CBKMConsumers Bancorp, Inc.QOC 8.1 FVCBFVCBankcorp, Inc.QOC 7.6 ESQEsquire Financial Holdings, Inc.QOC 9.1 PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: CARV · PNBK · MFBI · MGNO · PBHC · BSPA · OVBC · CBKM · FVCB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to FCBM?

7 companies across all industries closest to FCBM’s Quality of Company score of 5.5/10.

VMARVision Marine Technologies Inc.QOC 5.5 VZLAVizsla Silver Corp.QOC 5.5 SRRKScholar Rock Holding CorporationQOC 5.5 HPPHudson Pacific Properties, Inc.QOC 5.5 AISPAirship AI Holdings, Inc.QOC 5.5 BTCSBTCS Inc.QOC 5.5 NVDANVIDIA CorporationQOC 10.0

Read investment analysis: VMAR · VZLA · SRRK · HPP · AISP · BTCS · NVDA

Where Does FCBM Sit in CirclFi's Banks - Regional Rankings?

FCBM is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About First Carolina Financial Services, Inc.’s Valuation?

What is First Carolina Financial Services, Inc.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for First Carolina Financial Services, Inc. (FCBM). The Quality of Company score is 5.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FCBM overvalued or undervalued right now?

At $12.69, 1 of 1 active models suggest FCBM may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits First Carolina Financial Services, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 5.5 mean for FCBM?

First Carolina Financial Services, Inc.'s QOC of 5.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on FCBM?

CirclFi analyzes FCBM with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is FCBM a value trap in 2026?

First Carolina Financial Services, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns First Carolina Financial Services, Inc. (FCBM) a Quality of Company score of 5.5/10 across 32 fundamental signals as of 2026-08-27.” Source: circlfi.com/stock/FCBM/ · Methodology

Primary sources for this FCBM valuation

Financial statements: First Carolina Financial Services, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001531193) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for FCBM as of 2026-08-27; valuations recomputed 2026-08-27.