First Carolina Financial Services, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from First Carolina Financial Services, Inc.'s yearly results, compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
—Data incomplete
Growth Efficiency Ratio
—Data incomplete
Asset Productivity Ratio
—Data incomplete
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 53% of Financial Services companies in United States.
Tangible Net Worth Ratio
77%Of every $100 of net worth, $77 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 60% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (10)
First Carolina Financial Services, Inc. owes $0.87 for every $1 it owns. Net profit fell 42% in the year to Dec 2025.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
23.9Investors pay $23.9 for every $1 of First Carolina Financial Services, Inc.'s yearly profit, higher than 82% of Financial Services companies in United States.
P/B ratio
0.93The share price is 0.93 times First Carolina Financial Services, Inc.'s book value per share, lower than 76% of Financial Services companies in United States.
Market cap
$401 MThe total market value of all of First Carolina Financial Services, Inc.'s shares at today's price (share price × number of shares), smaller than 64% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$430 MWhat First Carolina Financial Services, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$13.83Net worth divided by the number of shares. The share price of $12.91 is 0.9 times this, which is the P/B above.
Owes vs Owns
0.87×First Carolina Financial Services, Inc. owes $0.87 for every $1 it owns (high), higher than 62% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneFirst Carolina Financial Services, Inc. does not currently pay a dividend.
Revenue growth
+93%Revenue rose 93% in the year to Dec 2025.
Profit growth
-42%Net profit fell 42% in the year to Dec 2025.
Profit margin
8.9%First Carolina Financial Services, Inc. keeps $9 of every $100 of revenue as net profit.
Questions
What is First Carolina Financial Services, Inc.'s P/E ratio?
Investors pay $23.9 for every $1 of First Carolina Financial Services, Inc.'s yearly profit, higher than 82% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For First Carolina Financial Services, Inc.: $401 M ÷ $430 M (30 Jun 2026) = 0.9.
How much does First Carolina Financial Services, Inc. owe compared with what it owns?
First Carolina Financial Services, Inc. owes $0.87 for every $1 it owns (high), higher than 62% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does First Carolina Financial Services, Inc. pay a dividend?
No. First Carolina Financial Services, Inc. does not currently pay a dividend.
Is First Carolina Financial Services, Inc.'s revenue growing?
Revenue rose 93% in the year to Dec 2025.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.