First Bancorp (FBNC Quick QuoteFBNC - Free Report) reported $129.91 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 10.6%. EPS of $1.24 for the same period compares to $1.01 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $129.26 million, representing a surprise of +0.51%. The company delivered an EPS surprise of +5.09%, with the consensus EPS estimate being $1.18.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how First Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency ratio: 49.1% versus the four-analyst average estimate of 48.5%.
• Net Interest Margin: 3.8% versus 3.7% estimated by four analysts on average.
• Net Charge-offs: 0.1% versus the three-analyst average estimate of 0.1%.
• Total nonperforming loans: $44.17 million compared to the $44.36 million average estimate based on two analysts.
• Average Interest-Earning Assets: $12.18 billion compared to the $12.09 billion average estimate based on two analysts.
• Total Non Interest Income: $15.12 million versus $16.05 million estimated by four analysts on average.
• Other income: $0.73 million versus $0.78 million estimated by three analysts on average.
• Bank-Owned Life Insurance Income: $1.4 million compared to the $1.22 million average estimate based on three analysts.
• Other service charges, commissions and fees: $5.5 million versus the three-analyst average estimate of $6.21 million.
• Fees from presold mortgage loans: $0.38 million compared to the $0.75 million average estimate based on three analysts.
• Commissions from sales of insurance and financial products: $1.61 million compared to the $1.86 million average estimate based on three analysts.
• Service charges on deposit accounts: $4.57 million versus the three-analyst average estimate of $4.28 million.

View all Key Company Metrics for First Bancorp here>>>

Shares of First Bancorp have returned -1.9% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.