First Bancorp Financial Ratios — FBNC Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	4.39	-9.1	6.77	7.82	8.06	7.68	8.59	12.12	11.34	9.44	8.96	11.18	6.82	4.47	6.29
Return on Assets (%)	0.42	-0.72	0.64	0.78	0.82	0.79	1	1.56	1.53	1.21	1.07	1.39	0.92	0.63	0.89
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.4	3.39	3.29	3.4	3.55	3.65	4.56	4.83	5.06	4.55	4.42	3.91	4.82	5.2	3.89
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	13.5	-25.09	19.65	24.26	27.98	26.47	31.74	42.69	42.31	34.5	38.15	47.3	33.07	28.54	36.32
Profit Margin (%)	8.77	-14.55	12.41	15.74	18.37	17.28	21.54	33.59	33.5	27.26	30.33	37.53	26.1	22.17	28.92
Net Income to Common Margin (%)	6.69	-16.3	11.87	15.19	17.96	17.17	21.54	33.59	33.5	27.26	30.33	37.53	26.1	22.17	28.92
Effective Tax Rate (%)	35.08	- -	36.85	35.13	34.32	34.71	32.13	21.32	20.84	21	20.51	20.67	21.09	22.32	20.4
Dvd Payout Ratio (%)	48.07	-21.57	33.39	26.12	24.6	23.62	16.52	12.63	14.84	25.7	23.24	20.87	33.55	47.56	33.57
Sustainable Growth Rate (%)	2.28	-11.07	4.51	5.78	6.08	5.87	7.17	10.59	9.66	7.01	6.88	8.85	4.53	2.35	4.18

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	134	46	46	116	186	271	694	693	502	23	20	238	304	15	-3
ST Debt	- -	- -	- -	- -	- -	- -	343	343	238	- -	- -	- -	- -	- -	- -
LT Debt	134	46	46	116	186	271	351	350	264	23	20	238	304	15	-3
Total Debt/EBITDA	25.32	8.51	8.46	21.57	35.74	46.69	71.29	53.96	36.13	1.69	1.4	15.51	15.81	0.81	-0.18
Net Debt/EBITDA	-15.43	-35.77	-31.76	-25.19	-15.4	-5.95	21	17.91	18.05	-26.63	-33.23	-3.38	3.43	-27.57	-20.92
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.82	8.8	9.39	9.86	10.07	10.32	12.57	13.24	13.79	12.06	11.95	12.93	13.87	14.22	14.24
Long-Term Debt/Equity (%)	38.8	13.03	12.47	30.02	54.47	73.73	50.63	45.79	30.95	2.57	1.58	23.05	22.14	1.01	- -
Long-Term Debt/Capital (%)	27.46	11.52	11.14	23.06	35.03	42.1	25.22	23.82	19.56	2.55	1.53	14.76	15.31	0.84	-0.15
Long-Term Debt/Total Assets (%)	4.07	1.43	1.46	3.62	5.54	7.51	6.32	5.97	4.29	0.32	0.19	2.24	2.51	0.12	-0.02
Total Debt/Equity (%)	38.8	13.03	12.47	30.02	54.47	73.73	100.12	90.67	58.87	2.57	1.58	23.05	22.14	1.01	-0.17
Total Debt/Capital (%)	27.46	11.52	11.14	23.06	35.03	42.1	49.88	47.17	37.2	2.55	1.53	14.76	15.31	0.84	-0.15
Total Debt/Total Assets (%)	4.07	1.43	1.46	3.62	5.54	7.51	12.51	11.82	8.17	0.32	0.19	2.24	2.51	0.12	-0.02
Net Debt to Equity	-23.65	-54.79	-46.82	-35.06	-23.47	-9.4	29.49	30.1	29.41	-40.54	-37.61	-5.03	4.81	-34.1	-18.88
Net Debt/Capital (%)	-29.99	-121.05	-88.89	-53.86	-30.26	-10.22	22.67	22.86	22.42	-67.72	-56.87	-3.87	3.78	-39.93	-20.95
EBITDA	5	5	5	5	5	6	10	13	14	14	14	15	19	18	15
EBITDA-CapEx	-1	-3	-1	1	- -	-3	5	2	10	1	5	10	15	15	11
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.82	8.8	9.39	9.86	10.07	10.32	12.57	13.24	13.79	12.06	11.95	12.93	13.87	14.22	14.24
Long-Term Debt/Equity (%)	38.8	13.03	12.47	30.02	54.47	73.73	50.63	45.79	30.95	2.57	1.58	23.05	22.14	1.01	- -
Long-Term Debt/Capital (%)	27.46	11.52	11.14	23.06	35.03	42.1	25.22	23.82	19.56	2.55	1.53	14.76	15.31	0.84	-0.15
Long-Term Debt/Total Assets (%)	4.07	1.43	1.46	3.62	5.54	7.51	6.32	5.97	4.29	0.32	0.19	2.24	2.51	0.12	-0.02
Total Debt/Equity (%)	38.8	13.03	12.47	30.02	54.47	73.73	100.12	90.67	58.87	2.57	1.58	23.05	22.14	1.01	-0.17
Total Debt/Capital (%)	27.46	11.52	11.14	23.06	35.03	42.1	49.88	47.17	37.2	2.55	1.53	14.76	15.31	0.84	-0.15
Total Debt/Total Assets (%)	4.07	1.43	1.46	3.62	5.54	7.51	12.51	11.82	8.17	0.32	0.19	2.24	2.51	0.12	-0.02
CFO/Total Liabilities	1.26	1.44	2.56	1.69	1.24	1.27	0.55	0.91	0.97	0.91	1.53	2.4	1.22	1.63	1.84
CFO/CapEx	5.61	4.66	11.42	10.07	6.81	4.75	5.76	4.33	14.5	4.72	15.14	43.63	29.72	65.78	47.85
Altman's Z-Score	0.17	0.16	0.2	0.21	0.21	0.23	0.22	0.25	0.28	0.23	0.21	0.22	0.21	0.22	0.24

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.27	14.64	16.81	17.11	16.27	17.25	18.26	17.66	16.83	16.19	13.66	14.08	11.9	9.33	10.17
Days Sales Outstanding	29.74	24.94	21.71	21.34	22.43	21.15	19.99	20.66	21.69	22.54	26.72	25.92	30.67	39.11	35.9
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	188	218	327	364	370	542	890	966	1,181	967	1,629	1,530	1,521	1,811	2,105
- Cash & Cash Equivalents	216	242	221	252	267	306	489	463	231	367	461	270	238	508	310
+ Preferred Equity and Hybrid Capital	64	71	71	71	7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	134	46	46	116	186	271	694	693	502	23	20	238	304	15	-3
Enterprise Value	-13	-73	51	141	132	308	751	694	630	-831	-1,443	-817	-602	-725	1,639
Total Capital	488	403	416	505	532	645	1,391	1,469	1,349	902	1,275	1,611	1,984	1,742	1,801
Total Debt/Capital (%)	27.46	11.52	11.14	23.06	35.03	42.1	49.88	47.17	37.2	2.55	1.53	14.76	15.31	0.84	-0.15
Total Debt / EV	-10.45	-0.63	0.92	0.83	1.41	0.88	0.92	1	0.8	-0.03	-0.01	-0.29	-0.5	-0.02	- -
EV/Sales	- -	- -	0.3	0.89	0.9	1.93	3.52	2.61	2.29	- -	- -	- -	- -	- -	4.27
EV/EBITDA	- -	- -	9.23	26.08	25.27	52.97	77.19	54.07	45.35	- -	- -	- -	- -	- -	109.81
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.7	2.94	3.53	7.46	27.99	14.96	12.29	- -	- -	- -	- -	- -	8.07
EV/Free Cash Flow to Firm	- -	- -	0.65	2.68	3.08	6.16	23.85	12.15	11.5	- -	- -	- -	- -	- -	7.91
Diluted Market Cap	188	218	339	377	384	563	893	970	1,186	980	1,629	1,530	1,523	1,821	2,105
Diluted Enterprise Value	170	94	236	312	311	528	1,097	1,200	1,457	636	1,187	1,497	1,589	1,328	1,792
EV per Share	- -	- -	2.57	7.14	6.67	15.42	29.8	23.48	21.28	- -	- -	- -	- -	- -	39.56
TTM Sales	156	161	167	159	147	159	213	266	275	299	315	392	399	344	384
TTM EBITDA	5	5	5	5	5	6	10	13	14	14	14	15	19	18	15
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	37	42	72	48	37	41	27	46	51	58	142	231	131	175	203
TTM Free Cash Flow to Firm	44	51	78	53	43	50	31	57	55	71	152	236	136	177	207

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	4.31	4.31	4.34	7.18	8.97	11.26	28.35	16.98	21.66	13.87	10.74	6.48	11.22	10.26	10.15
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-13	-73	51	141	132	308	751	694	630	-831	-1,443	-817	-602	-725	1,639
Low Price	8.05	7.68	11.98	15.55	15	17.15	26.47	30.5	31.22	17.32	32.47	32.9	26	29.53	34.5
EV/Sales	- -	- -	0.3	0.89	0.9	1.93	3.52	2.61	2.29	- -	- -	- -	- -	- -	4.27
EV/EBITDA	- -	- -	9.23	26.08	25.27	52.97	77.19	54.07	45.35	- -	- -	- -	- -	- -	109.81
Price/Earnings	18.06	- -	16.51	15.08	14.02	19.82	19.36	10.81	12.83	11.87	17.03	10.41	14.61	23.77	18.95
Price/Earnings Average	19.2	-6.7	14.21	14.32	12.96	14.64	17.34	12.79	11.85	9.39	15.88	9.87	13.16	20.45	17.27
Price/Earnings High	27.35	-8.7	17.28	16.04	14.9	20.81	22.9	14.28	13.29	14.03	18.97	11.91	17.16	27.21	21.06
Price/Earnings Low	13.04	-4.99	11.9	12.7	11.22	12.53	14.52	10.1	10.04	6.08	12.1	7.99	10.26	15.96	12.87
Price/Book Value	0.65	0.76	1.09	1.15	1.09	1.45	1.28	1.24	1.39	1.1	1.3	1.11	0.91	1.05	1.17
Price/Book Value Average	0.69	0.61	0.94	1.09	1.01	1.07	1.14	1.47	1.29	0.87	1.21	1.06	0.82	0.9	1.06
Price/Book Value High	0.98	0.8	1.14	1.22	1.16	1.52	1.51	1.64	1.44	1.3	1.44	1.27	1.06	1.2	1.3
Price/Book Value Low	0.47	0.46	0.79	0.96	0.88	0.92	0.96	1.16	1.09	0.56	0.92	0.86	0.64	0.7	0.79
Price/Tangible Book Value	0.89	1.01	1.41	1.46	1.38	1.88	2.04	1.9	1.97	1.51	1.92	2.34	1.76	1.92	1.82
Price/Tangible Book Value Average	0.94	0.81	1.21	1.39	1.28	1.39	1.83	2.24	1.82	1.2	1.79	2.22	1.59	1.65	1.66
Price/Tangible Book Value High	1.34	1.05	1.47	1.55	1.47	1.97	2.42	2.51	2.04	1.79	2.14	2.67	2.07	2.2	2.02
Price/Tangible Book Value Low	0.64	0.6	1.01	1.23	1.11	1.19	1.53	1.77	1.54	0.77	1.36	1.79	1.24	1.29	1.23
Price/Sales	1.21	1.36	1.96	2.29	2.52	3.4	4.17	3.63	4.3	3.23	5.17	3.91	3.81	5.27	5.48
Price/Sales Average	1.28	1.09	1.69	2.18	2.33	2.51	3.73	4.3	3.97	2.56	4.82	3.7	3.43	4.53	4.99
Price/Sales High	1.83	1.42	2.05	2.44	2.68	3.57	4.93	4.8	4.45	3.82	5.75	4.47	4.48	6.03	6.09
Price/Sales Low	0.87	0.81	1.41	1.93	2.02	2.15	3.13	3.39	3.36	1.66	3.67	3	2.68	3.54	3.72
Price/Cash Flow	5.07	5.24	4.55	7.61	9.92	13.13	33.17	20.81	23.06	16.57	11.44	6.63	11.58	10.36	10.36
Price/Cash Flow Average	5.39	4.21	3.92	7.23	9.17	9.7	29.7	24.6	21.29	13.11	10.67	6.29	10.43	8.92	9.44
Price/Cash Flow High	7.69	5.47	4.76	8.09	10.54	13.78	39.23	27.48	23.88	19.6	12.75	7.58	13.6	11.87	11.51
Price/Cash Flow Low	3.66	3.14	3.28	6.41	7.94	8.3	24.86	19.43	18.04	8.49	8.13	5.09	8.13	6.96	7.04
Price/Free Cash Flow Average	4.58	3.47	3.73	6.82	8.3	8.32	25.39	20.08	20	10.97	10.01	6.15	10.1	8.83	9.25
Price/Free Cash Flow High	6.53	4.5	4.54	7.64	9.53	11.82	33.53	22.43	22.43	16.4	11.96	7.42	13.17	11.75	11.28
Price/Free Cash Flow Low	3.11	2.58	3.13	6.04	7.18	7.12	21.25	15.86	16.94	7.1	7.62	4.98	7.88	6.89	6.89
EV/Sales Average	1.17	0.32	1.07	1.77	1.83	2.3	4.69	5.16	4.95	1.41	3.42	3.62	3.6	3.1	4.18
EV/Sales High	1.71	0.65	1.43	2.03	2.18	3.36	5.89	5.66	5.44	2.67	4.35	4.39	4.64	4.6	5.28
EV/Sales Low	0.76	0.04	0.79	1.52	1.52	1.93	4.08	4.26	4.35	0.5	2.27	2.92	2.84	2.1	2.91
EV/EBITDA Average	34.34	9.39	32.49	51.98	51.69	62.9	102.88	106.83	98.01	30.91	77.37	92.5	74.77	59.62	107.51
EV/EBITDA High	50.39	19.03	43.56	59.68	61.49	91.9	129.16	117.25	107.57	58.74	98.56	112.01	96.45	88.43	135.76
EV/EBITDA Low	22.22	1.18	24.14	44.71	42.85	52.95	89.56	88.14	86	11.08	51.35	74.51	59.07	40.47	74.83
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	11.15	12.82	16.62	18.47	18.74	27.14	35.31	32.66	39.91	33.83	45.72	42.84	37.01	43.97	50.79
High Price	16.89	13.4	17.39	19.65	19.92	28.49	41.76	43.14	41.34	40	50.92	49	43.47	50.34	56.45
Enterprise Value Average	182	51	178	280	270	366	1,001	1,372	1,361	420	1,078	1,418	1,437	1,066	1,605
Enterprise Value High	267	104	239	322	321	534	1,257	1,505	1,494	799	1,373	1,717	1,853	1,581	2,027
Enterprise Value Low	118	6	132	241	223	308	872	1,132	1,195	151	715	1,142	1,135	724	1,117

Shares Outstanding	17	20	20	20	20	21	30	30	30	29	36	36	41	41	41
Diluted Weighted Avg Shares	17	17	20	20	20	21	25	30	30	29	36	36	41	41	41
Basic Weighted Avg Shares	17	17	20	20	20	20	25	30	30	29	36	36	41	41	41
Revenue per Share	9.23	9.45	8.48	8.06	7.44	7.97	8.47	8.99	9.28	10.46	8.85	10.97	9.71	8.35	9.27
EBITDA per Share	0.31	0.32	0.28	0.27	0.26	0.29	0.39	0.43	0.47	0.48	0.39	0.43	0.47	0.43	0.36
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.62	-1.54	1.01	1.22	1.34	1.37	1.82	3.02	3.11	2.85	2.68	4.12	2.53	1.85	2.68
Basic EPS from Cont Ops	0.81	-1.37	1.05	1.27	1.37	1.38	1.82	3.02	3.11	2.85	2.68	4.12	2.53	1.85	2.68
Diluted EPS, GAAP	0.62	-1.54	0.97	1.18	1.29	1.32	1.82	3.01	3.1	2.81	2.68	4.12	2.53	1.84	2.68
Diluted EPS from Cont Ops	0.81	-1.37	1.01	1.22	1.32	1.33	1.82	3.01	3.1	2.81	2.68	4.12	2.53	1.84	2.68
Dividend per Share	0.49	0.5	0.38	0.36	0.36	0.33	0.3	0.38	0.46	0.73	0.62	0.86	0.85	0.88	0.9
Cash Flow per Share	2.2	2.45	3.65	2.43	1.89	2.07	1.06	1.57	1.73	2.04	3.99	6.46	3.2	4.24	4.9
Free Cash Flow per Basic Share	1.81	1.92	3.33	2.19	1.61	1.63	0.88	1.21	1.61	1.61	3.73	6.31	3.09	4.18	4.8
Cash & Equivalents per Share	23.62	24.02	20	20.83	21.87	25.31	33.03	32.61	35.58	63.7	86.77	72.4	59.04	61.91	11.16
Book Value per Share	17.22	16.77	15.21	16.12	17.12	18.69	27.65	26.25	28.62	30.76	35.24	38.47	40.88	41.94	43.53
Tangible Book Value per Share	12.57	12.71	11.81	12.64	13.54	14.46	17.27	17.21	20.3	22.35	23.81	18.34	21.02	22.91	27.95

First Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)