First Carolina Financial Services, Inc. (FCBM) Income Statement
FCBM 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsFCBM revenue and net income
Where FCBM's revenue goes
2025Each bar shows an amount and its share of revenue. FCBM kept 5.8% of revenue as net income.
FCBM profit margins
FCBM growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +196.3% | — | — | — |
| Gross profit | +57.2% | — | — | — |
| Operating income | — | — | — | — |
| Net income | −41.7% | — | — | — |
| EPS (diluted) | — | — | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
FCBM quarterly EPS vs estimates
First Carolina Financial Services beat the analyst EPS estimate in 1 of the last 1 quarters. Next report: October 29, 2026 (estimate $0.24).
FCBM income statement
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Revenue | $212.0M | $71.5M | $63.1M |
| Cost of revenue | $99.5M | $0 | $0 |
| Gross profit | $112.4M | $71.5M | $63.1M |
| Sales, general & admin | $77.3M | $38.2M | $30.0M |
| Total operating expenses | $96.9M | — | — |
| Operating income | $15.6M | — | — |
| Interest income | $189.4M | $176.1M | $135.6M |
| Interest expense | $92.9M | $84.8M | $69.7M |
| Income before taxes | $15.6M | $26.4M | $24.7M |
| Income taxes | $3.4M | $5.5M | $5.1M |
| Net income | $12.2M | $20.9M | $19.6M |
| EBITDA | $23.0M | — | — |
| EPS (diluted) | $0.40 | — | — |
| Gross margin | 53.0% | 100.0% | 100.0% |
| Operating margin | 7.3% | — | — |
| Net margin | 5.8% | 29.2% | 31.1% |
| Jun '26 | Mar '26 | Jun '25 | Mar '25 | |
|---|---|---|---|---|
| Revenue | $53.5M | $50.7M | $59.5M | $31.5M |
| Cost of revenue | $21.5M | $19.8M | $23.0M | $0 |
| Gross profit | $32.0M | $30.9M | $36.5M | $31.5M |
| Sales, general & admin | $15.7M | $18.1M | $16.3M | $16.5M |
| Total operating expenses | $25.5M | $23.6M | $30.3M | — |
| Operating income | $6.5M | $7.3M | $6.2M | — |
| Interest income | $46.8M | $45.7M | $46.4M | $44.4M |
| Interest expense | $21.3M | $20.7M | $23.2M | $20.8M |
| Income before taxes | $6.5M | $7.3M | $6.2M | $5.8M |
| Income taxes | $1.4M | $1.4M | $1.6M | $1.1M |
| Net income | $5.1M | $5.9M | $4.6M | $4.7M |
| EBITDA | $6.5M | $9.5M | $8.2M | — |
| EPS (diluted) | $0.20 | — | — | — |
| Gross margin | 59.8% | 60.9% | 61.3% | 100.0% |
| Operating margin | 12.1% | 14.5% | 10.4% | — |
| Net margin | 9.5% | 11.7% | 7.7% | 14.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in FCBM's financial statements (latest annual report filed December 31, 2025); data from EODHD. Sales, general & administrative expenses include sales and marketing.
FCBM financial results
In fiscal year 2025 (ended December 31, 2025), First Carolina Financial Services reported revenue of $212.0 million, up 196.3% from the year before. It had net income of $12.2 million (down 41.7%), a net profit margin of 5.8%. Diluted earnings per share came to $0.40.
See the FCBM stock overview for the latest quote and news, or the FCBM chart for price history and technical indicators.
FCBM income statement FAQ
What is First Carolina Financial Services's annual revenue?
First Carolina Financial Services reported total revenue of $212.0 million for fiscal year 2025, which ended on December 31, 2025. That was up 196.3% from $71.5 million the previous year.
Is First Carolina Financial Services profitable?
Yes. First Carolina Financial Services reported net income of $12.2 million in fiscal 2025, a net profit margin of 5.8%; its operating margin was 7.3%.
What is First Carolina Financial Services's gross margin?
First Carolina Financial Services's gross margin was 53.0% in fiscal 2025: for every $100 of revenue, First Carolina Financial Services kept $53 after the direct cost of its products and services.
What are First Carolina Financial Services's earnings per share?
First Carolina Financial Services earned $0.40 per diluted share in fiscal 2025.
When will First Carolina Financial Services report its next earnings?
First Carolina Financial Services is expected to report results for the quarter ending September 30, 2026 on October 29, 2026.
When does First Carolina Financial Services's fiscal year end?
First Carolina Financial Services's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on December 31, 2025.