First Carolina Financial Services
- Market Cap (Float-Adj) (Float-adjusted market cap computed by the low-float screener — matches the screener row. May differ from the standard cap (price × all shares outstanding) reported elsewhere.)
- $394.6M
- Price
- $12.70
- % Change (Daily % change from the live per-ticker quote feed.)
- +1.68%
- Volume
- 86.7K
About
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.
Quick stats
Shares outstanding31.1M
Computed float20.0M
Float / shares64.5%
Key info
SectorFinancial Services
IndustryBanks - Regional
CIK (Central Index Key — the unique ID the SEC assigns to every filer. Use it to look up the company's filings on EDGAR.)0001531193
Websitewww.firstcarolinabank.com
AI Summary
AI-generated1/8
majorbullishearnings
First Carolina Financial Services Reports Net Income of $5.1 Million, or $0.20 Per Diluted Share, for the Second Quarter of 2026
First Carolina reported Q2 2026 net income of $5.1 million, or $0.20 per diluted share, an 11% increase from the prior year, following the completion of its IPO in June.
The company raised approximately $69.3 million in net proceeds from the offering and listed on the NYSE, while simultaneously executing a two-for-one stock split.
Operationally, net interest margin expanded 18 basis points to 3.23% and loan grew by $58.1 million, supported by a shift toward lower-cost deposits and zero net loan charge-offs.