First Carolina Financial Services (FCBM)
Southeast commercial banking and BankMobile student-refund payments.
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Operates a Southeast commercial bank and a national higher-education payments platform, earning lending spreads and fees while pairing relationship banking with BankMobile digital deposits.
Combines relationship-driven Commercial Banking across the Southeast with a nationwide Payments platform for higher-education disbursements. A branch-light local model provides real-estate and business lending, treasury services and deposits; Consumer Banking offers BankMobile digital accounts alongside local retail branches. Wealth Management supplies trust, planning and wealth-management services. Local market and product expertise support the relationship model.
Payments handles student-refund disbursements for institutions, earning institutional, account and debit-card fees while generating deposits that help fund lending. Operations depend on deposits, commercial-real-estate credit quality, higher-education relationships, Title IV compliance, transaction security and third-party technology providers.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $118.8M · Total debt $113.5M · Total assets $3.41B · Shareholders' equity $431.2M
- Revenue
- $53.5M
- Operating income
- $6.5M
- Net income
- $5.1M
No dividends on record.
| Institutions | 23.14% | 7.00M shares | |
|---|---|---|---|
| 31 holders · as of Jun 30, 2026 | |||
| Other | 76.86% | 23.25M shares | |
| remainder | |||
30.25M company shares as of Aug 21, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count has not been confirmed by a second filing; stakes use it as it stands.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Banc Funds Co LLCInstitution | 4.43% | 1.34M | as of Jun 30, 2026 |
Wellington Management Group LLPInstitution | 3.90% | 1.18M | as of Jun 30, 2026 |
Mendon Capital Advisors CorpInstitution | 2.31% | 700,000 | as of Jun 30, 2026 |
RMB Capital Management, LLCInstitution | 2.12% | 642,700 | as of Jun 30, 2026 |
Endeavour Capital Advisors IncInstitution | 1.59% | 480,000 | as of Jun 30, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
- Truist Financial
Major Southeast rival for commercial loans, deposits, and treasury services.
- First Citizens BancShares
Raleigh-based scale bank contesting commercial loans, deposits, and wealth.
- Bank of America
National-bank rival for Southeast loans, deposits, and campus banking.
- Nelnet
Direct campus-payments rival in refunds, billing, and student financial flows.
- PNC Financial Services Group
Large-bank rival in commercial lending, deposits, wealth, and student refunds.
- Global Payments
TouchNet challenges BM Tech in campus commerce and student payment flows.
- Wells Fargo
Scale rival for Southeast commercial lending, deposits, and wealth services.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Carolina Financial Services | $12.85 | −0.46% | $390.5M | — | 12.4 | — | — |
| Truist Financial | $47.60 | −0.99% | $59.89B | 11.4 | 10.1 | 2.0 | +6.5% |
| First Citizens BancShares | $2,070.73 | +0.13% | $23.56B | 11.1 | 11.0 | 1.6 | −5.5% |
| Bank of America | $55.95 | −0.44% | $398.83B | 12.9 | 11.4 | 2.0 | +19.3% |
| Nelnet | $124.95 | −0.85% | $4.53B | 15.1 | 15.0 | 2.4 | −33.6% |
| PNC Financial Services Group | $225.92 | −0.89% | $90.96B | 12.5 | 11.1 | 2.6 | +21.4% |
| Global Payments | $84.36 | −0.50% | $21.05B | — | 5.7 | 2.1 | +61.5% |
| Wells Fargo | $82.32 | −1.00% | $251.45B | 12.0 | 11.0 | 1.9 | +8.6% |
| Median | 12.3 | 11.0 | 2.0 | +8.6% |