FBNC
First Bancorp
FBNC has a slight edge over JPM overall, supported by stronger fundamentals.
JPM
JPMorgan Chase & Co.
JPM has slightly lower modeled downside risk, despite its lower overall score.
FBNC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
FBNC's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like FBNC.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
FBNC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $37.47 | -42% |
| Fair | 13x | $51.23 | -21% |
| Forward | 13x | $64.80 | — |
| Current | 16x | $64.80 | — |
| Expensive | 20x | $79.73 | +23% |
Historical ranges are pointers, not guarantees.
FBNC's PE is in its expensive range at 16x. If earnings grow as analysts expect, today's price would be 13x next year's earnings, in its fair range.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over FBNC in the historical PE scenario, which offers more potential upside but is not a forecast.
FBNC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FBNC, but weaker profitability.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
FBNC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.82 | +21% |
| Q3 2026 | $3.97 | +67% |
| Q2 2026 | $3.22 | +38% |
| Q1 2026 | $2.93 | +39% |
| Q4 2025 | $2.68 | +46% |
| Q3 2025 | $2.38 | -4% |
| Q2 2025 | $2.34 | -15% |
| Q1 2025 | $2.11 | -24% |
| Q4 2024 | $1.84 | -27% |
FBNC earned $3.97 per share over the past year, up 67% from the year before.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM's earnings per share have climbed steadily: $23.85 over the past year, up 18% from the year before, and higher year over year for 15 quarters in a row.
FBNC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $129.9M | +45% |
| Q2 2026 | $127.3M | +15% |
| Q1 2026 | $122.3M | +16% |
| Q4 2025 | $83.9M | +28% |
| Q3 2025 | $89.6M | -7.3% |
| Q2 2025 | $111M | +16% |
| Q1 2025 | $105.8M | +15% |
| Q4 2024 | $65.7M | -32% |
FBNC's revenue has grown year over year for four quarters in a row: $130M last quarter, up 45% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 50% | +21 points |
| Q2 2026 | 50% | +4.9 points |
| Q1 2026 | 48% | +4 points |
| Q4 2025 | 20% | +9.7 points |
| Q3 2025 | 29% | +5.6 points |
| Q2 2025 | 45% | +6.4 points |
| Q1 2025 | 44% | +9.7 points |
| Q4 2024 | 10% | -28 points |
FBNC has the edge over JPM on profitability, with a higher operating margin.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM's operating margin was 40% last quarter, about level with the same quarter a year ago.
FBNC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $98M | +103% |
| Q2 2026 | $65.5M | +48% |
| Q1 2026 | $59.3M | +13% |
| Q4 2025 | $54M | -21% |
| Q3 2025 | $48.2M | +27% |
| Q2 2025 | $44.3M | -49% |
| Q1 2025 | $52.4M | +$74.1M |
| Q4 2024 | $68.2M | +54% |
FBNC has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
FBNC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +18.4K shares |
| 1 year | -0.2% | -87.8K shares |
| 3 years | +0.5% | +195K shares |
| 5 years | +45% | +12.9M shares |
| Available history | +39% | +11.7M shares |
FBNC has 41M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $2.1M |
| Q1 2026 | $5.1M |
| Q4 2025 | $1,000 |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $992,000 |
| Q4 2022 | — |
FBNC spent $7M buying back its own shares over the past year.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over FBNC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
FBNC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -0.4x | Net Cash |
| Q4 2025 | -0.5x | Net Cash |
| Q3 2025 | -0.3x | Net Cash |
| Q2 2025 | -0.3x | Net Cash |
| Q1 2025 | -0.5x | Net Cash |
| Q4 2024 | 0.1x | Very low |
FBNC has the edge over JPM on leverage, with a lower net debt burden relative to earnings.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JPM.
FBNC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.8 | Neutral |
| Stochastic | 65.3 | Neutral |
FBNC's weekly RSI is 58 (neutral) and its Stochastic is 65 (neutral).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
FBNC PE vs Financial Services Sector
| Metric | FBNC | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 25% above |
| PE % | 71 | 63 | 8 pts above |
FBNC is trading at 16x earnings, a 25% premium to the Financial Services sector's median of 13x.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM has the edge over FBNC on valuation relative to its sector.
FBNC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $62.9 | 3.1% above |
| 20 week MA | $63.6 | 1.8% above |
| 50 week MA | $59.8 | 8.4% above |
| 100 week MA | $52.7 | 23% above |
| 200 week MA | $44.0 | 47% above |
FBNC has the edge over JPM on trend strength, trading above more of its moving averages.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
FBNC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.1 | $33.5 | -16% |
| 2021 | $33.5 | $45.1 | +35% |
| 2022 | $45.1 | $43.4 | -3.9% |
| 2023 | $43.4 | $37.0 | -15% |
| 2024 | $37.0 | $44.4 | +20% |
| 2025 | $44.4 | $52.1 | +17% |
| 2026 YTD | $52.1 | $64.8 | +24% |
FBNC has the edge over JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.