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Why FCBM Stock advanced +0.61% Today — RQD Quant Desk Flash
$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 50/100 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.
ROARABLE D • SELL / AVOID
Cap $407.3M
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🤖 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 2026-11-01, 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 50/100 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 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, FCBM ranks #859 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 (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, CZFS (Citizens Financial Services Inc.) holds a C grade (64/100 RQD, P/E 11.2x, ROIC 10.8%, cap $408.4M) and PCB (PCB Bancorp) posts a C+ grade (67/100 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:
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 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERSELL / AVOID • D
2-of-3 JEV AI Jury Bearish Warning
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 D+
Each axis scored 0–20
12M PRICE TARGET CONE-3.6% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FCBM)Realized 20D OHLCV Swing Band: ±3.8%
Deterministic 5-Pillar Attribution (50/100 Composite)
🔍 WHY FCBM SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (26% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
▲ #2 Bullish Driver: Cash Engine Quality+10/20 pts (20% of score)
SEC XBRL FY 2025 (10-K): 0.3% FCF Margin ($11.4M FCF) & 52% Gross Margin
▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade D$12.74-0.2% Next Q
42
Q2 (-2Q)Grade D$12.72+1.7% Next Q
45
Q3 (-1Q)Grade D$12.94+1.3% Next Q
47
CurrentGrade D$13.11-1.4% Hist 90D α
50
Trajectory: D (42) → D (50)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER
⚔️ Adversarial Opposing Case: What Could Spark a FCBM Turnaround Squeeze
While FCBM currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
🚀 Contrarian Squeeze Trigger #1
Established market leader in Financials with deep daily trading liquidity.
🚀 Contrarian Squeeze Trigger #2
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($12.74) and Max Pain ($13.77) forces dealer call-delta covering toward $14.92.
🚀 Contrarian Squeeze Trigger #3
Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
🎲 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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why FCBM Stock advanced +0.61% Today — RQD Quant Desk Flash
First Carolina Financial Services Inc. (FCBM) advanced +0.61% to $13.11, trading at 76% of its 52-week range ($12.17 – $13.4). Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 76% of its 52-week range ($12.17 – $13.4) with RSI-14 at 53.3 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±3.8% around $13.11 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D (Sell) backed by 52% gross margin and $11.4M annual free cash flow.
Live FCBM Headlines & Catalysts
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MARKET WIRECNBC • 9h ago
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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
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FCBM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.05%▲ ASCENDING CHANNEL
2026-10-30O $13.10H $13.20L $12.88C $13.11VOL 97.6K
RES: $13.47SUP: $12.55SMA50: $12.74SMA200: $12.72
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
FCBM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 #859 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 #859 by composite RQD confidence (50/100, 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 69/100 (C+) compared with FCBM at 50/100 (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 | 50/100 | — | — | — | +0.61% | $407.3M | Benchmark Subject |
| CZFS Citizens Financial Services Inc. | C | 64/100 | 11.2x | — | 10.8% | +1.26% | $408.4M | /czfs-vs-fcbm → |
| PCB PCB Bancorp | C+ | 67/100 | 10.9x | — | 9.6% | +0.45% | $408.7M | /pcb-vs-fcbm → |
| FNLC First Bancorp Inc (ME) | C+ | 69/100 | 12.0x | — | 12.1% | +0.77% | $412.5M | /fnlc-vs-fcbm → |
| GBC Georgia Banking Company Inc. | C- | 59/100 | — | — | — | 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 0001531193In 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 ENABLEDIs FCBM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, 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 50/100 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 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, FCBM ranks #859 in composite RQD confidence.
How does FCBM compare to CZFS and PCB in the Financials sector?
Within the Financials sector (Major Banks), FCBM carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, CZFS (Citizens Financial Services Inc.) holds a C grade (64/100 RQD, P/E 11.2x, ROIC 10.8%, cap $408.4M) and PCB (PCB Bancorp) posts a C+ grade (67/100 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).
What are the biggest fundamental strengths and SEC risk factors for FCBM?
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.
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 +2.90% above its 50-day simple moving average ($12.74) and +3.07% above its 200-day simple moving average ($12.72). Across its 52-week range of $12.17 to $13.40, FCBM sits at the 76.4% percentile with a 14-day RSI of 53.3 (NEUTRAL RANGE) and an implied next-earnings move of ±3.8% ($12.61 to $13.61).
FCBM Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is FCBM stock moving today?
Why FCBM Stock advanced +0.61% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.