Stock Ratings / Financials / FCBM / financials

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First Carolina Financial Services Inc. (FCBM) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$13.11 +0.61% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.10

First Carolina Financial Services Inc. (FCBM) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $407.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FCBM Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FCBM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, First Carolina Financial Services Inc. (NYSE: FCBM) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $13.11 (+0.61% 1D, market cap $407.3M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, FCBM ranks #541 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FCBM compare to CZFS and PCB in the Financials sector?

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Within the Financials sector (Major Banks), FCBM carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, CZFS (Citizens Financial Services Inc.) holds a B- grade (71/100 RQD, P/E 11.2x, ROIC 10.8%, cap $408.4M) and PCB (PCB Bancorp) posts a C grade (65/100 RQD, P/E 10.9x, ROIC 9.6%, cap $408.7M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FCBM?

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Per FCBM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001531193), First Carolina Financial Services Inc. generated $0 in revenue, $0 in net income, and $0 in free cash flow against $3.32B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $13.10 (-0.08%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FCBM)Realized 20D OHLCV Swing Band: ±3.7%

Deterministic 5-Pillar Attribution (56/100 Composite)

🔍 WHY FCBM SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (21% of score)

20D Institutional Volume Accumulation (±3.7% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$12.80-2.3% Next Q

Q2 (-2Q)

Grade C-$12.50+3.4% Next Q

Q3 (-1Q)

Grade C-$12.93+1.4% Next Q

Current

Grade D+$13.11-0.4% Hist 90D α

Trajectory: D (48) → D+ (56)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FCBM Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 56/100 (D+) score, FCBM faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.40% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($12.75) or 200D SMA ($12.73) invalidates the momentum regime and cuts Target Base ($12.99) toward Bear Floor ($10.13).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FCBM• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FCBM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 56%NO 44%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How FCBM Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$11.4M (0.3% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$0	$0	15%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FCBM)

✓Walkthrough of FCBM's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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FCBM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.05%▲ ASCENDING TRIANGLE

2026-11-02O $13.03H $13.11L $13.03C $13.11VOL 170.4K

RES: $13.30SUP: $12.55SMA50: $12.75SMA200: $12.73

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FCBM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FCBM Butterfly Map → + Track FCBM →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FCBM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FCBM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FCBM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FCBM)

Financials Rank #541 of 1096 ⚔️ CZFS vs FCBM Full Matrix →

1. Head-to-Head Financials Peer Comparison (FCBM vs. CZFS, PCB, FNLC, GBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Carolina Financial Services Inc. (FCBM) ranks #541 by composite RQD confidence (56/100, grade D+) and #744 by equity capitalization ($407.3M). Within this direct 5-issuer industry benchmark cohort, PCB leads on earnings valuation at 10.9x trailing P/E, while FNLC leads on capital efficiency and profitability with 12.1% ROIC and — gross margin. FNLC currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with FCBM at 56/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FCBM ACTIVE First Carolina Financial Services Inc.	D+	56/100	—	—	—	+0.61%	$407.3M	Benchmark Subject
CZFS Citizens Financial Services Inc.	B-	71/100	11.2x	—	10.8%	+1.26%	$408.4M	/czfs-vs-fcbm →
PCB PCB Bancorp	C	65/100	10.9x	—	9.6%	+0.45%	$408.7M	/pcb-vs-fcbm →
FNLC First Bancorp Inc (ME)	B	73/100	12.0x	—	12.1%	+0.77%	$412.5M	/fnlc-vs-fcbm →
GBC Georgia Banking Company Inc.	D+	58/100	—	—	—	0.00%	$395.8M	/gbc-vs-fcbm →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2025–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001531193

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Carolina Financial Services Inc. (FCBM) reported GAAP revenue of $0 , GAAP net income of $0, operating cash flow of $0, and free cash flow of $0 . On the balance sheet, FCBM closed FY2025 with $3.32B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: N/A).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$0	—	—	$3.32B	—

3. FCBM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FCBM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does FCBM compare to CZFS and PCB in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for FCBM?

Where is FCBM trading relative to its 50-day, 200-day, and 52-week technical levels?

FCBM last traded at $13.11 (+0.61% on volume of 170,358 shares), positioning the stock +2.82% above its 50-day simple moving average ($12.75) and +2.99% above its 200-day simple moving average ($12.73). Across its 52-week range of $12.17 to $13.40, FCBM sits at the 76.4% percentile with a 14-day RSI of 60.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.7% ($12.62 to $13.60).

FCBM Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is First Carolina Financial Services Inc. (FCBM)?

In FY 2025 (10-K), FCBM converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $11.4M in free cash flow (0.3% FCF margin).

Direct Sub-Reports: FCBM RQD Cockpit FCBM 12M Forecast FCBM Earnings & Move FCBM Dividends & DRIP FCBM Insiders & 13F FCBM Whale Options FCBM Profit Sankey FCBM News & Why