First Bancorp [FBNC] vs U.S. Bancorp [USB] Detailed Stock Comparison

First Bancorp.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: First Bancorp. wins in 6 metrics, U.S. Bancorp wins in 13 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Bancorp. U.S. Bancorp Better
P/E Ratio (TTM) 22.07 11.92 U.S. Bancorp
Price-to-Book Ratio 1.48 1.51 First Bancorp.
Debt-to-Equity Ratio 0.06 1.21 First Bancorp.
PEG Ratio 0.07 0.82 First Bancorp.
Profit Margin (TTM) 29.32% 29.29% First Bancorp.
Operating Margin (TTM) 23.04% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 23.04% 37.84% U.S. Bancorp
Return on Equity 7.17% 12.35% U.S. Bancorp
Return on Assets (TTM) 0.90% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $198.89M $7.97B U.S. Bancorp
Dividend Yield 2.16% 3.82% U.S. Bancorp
1-Year Return 42.20% 25.83% First Bancorp.
Price-to-Sales Ratio (TTM) 6.48 3.32 U.S. Bancorp
Enterprise Value $2.23B $126.46B U.S. Bancorp
EV/Revenue Ratio 5.90 4.75 U.S. Bancorp
Revenue per Share (TTM) $9 $17 U.S. Bancorp
Earnings per Share (Diluted) $2.68 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.86 1.03 First Bancorp.
Short % of Float 5.80% 0.00% U.S. Bancorp

First Bancorp. vs U.S. Bancorp Stock Performance Analysis

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FBNC
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Bancorp.-3.50%-0.08%3.58%2.41%17.28%16.66%
U.S. Bancorp-2.67%-1.12%-1.16%-0.05%9.90%1.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Bancorp.42.20%77.36%37.07%202.94%439.72%167.77%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: First Bancorp. vs U.S. Bancorp

MetricFBNCUSB
Market Information
Market Cap i$2.47B$88.06B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i177,6439,829,002
90 Day Avg. Volume i222,62810,401,007
Last Close$57.31$53.14
52 Week Range$40.00 - $62.64$42.55 - $61.19
% from 52W High-8.51%-13.16%
All-Time High$62.64 (Feb 09, 2026)$63.57 (Jan 10, 2022)
% from All-Time High-8.51%-16.41%
Growth Metrics
Quarterly Revenue Growth0.22%0.05%
Quarterly Earnings Growth3.43%0.14%
Financial Health
Profit Margin (TTM) i0.29%0.29%
Operating Margin (TTM) i0.23%0.38%
Return on Equity (TTM) i0.07%0.12%
Debt to Equity (MRQ) i0.061.21
Cash & Liquidity
Book Value per Share (MRQ)$39.89$37.54
Cash per Share (MRQ)$7.55$31.14
Operating Cash Flow (TTM) i$203.13M$6.04B
Levered Free Cash Flow (TTM) i$110.43M$7.19B
Dividends
Last 12-Month Dividend Yield i2.16%3.82%
Last 12-Month Dividend i$1.15$2.04

Valuation & Enterprise Metrics Analysis: First Bancorp. vs U.S. Bancorp

MetricFBNC (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i22.0711.92
Forward P/E i11.9310.09
PEG Ratio i0.070.82
Price to Sales (TTM) i6.483.32
Price to Book (MRQ) i1.481.51
Market Capitalization
Market Capitalization i$2.47B$88.06B
Enterprise Value i$2.23B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i5.904.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.861.03
Book Value per Share (MRQ) i$39.89$37.54

Financial Statements Comparison: First Bancorp. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFBNC (2025)USB (2025)
Revenue/Sales i384.04M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i139.50M9.52B
Pre-Tax Income % of Revenue i36.3%33.3%
Income Tax i28.45M1.92B
Income Tax % of Revenue i7.4%6.7%
Net Income (Profit) i111.05M7.60B
Profit Margin i28.9%26.6%

Balance Sheet & Liquidity Metrics

MetricFBNC (2025)USB (2025)
Cash & Equivalents i309.60M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i-2.76M60.76B
Long-Term Debt % of Revenue i-0.7%212.9%
Total Shareholders Equity i1.65B65.65B
Retained Earnings i829.66M80.91B
Retained Earnings % of Revenue i216.0%283.5%
Property, Plant & Equipment i2.45M1.51B

Cash Flow Statement Comparison

MetricFBNC (2025)USB (2025)
Operating Cash Flow i123.65M6.04B
Operating Cash Flow % of Revenue i32.2%21.2%
Capital Expenditures i3.01MN/A
Free Cash Flow i198.89M7.97B
FCF Margin i51.8%27.9%
Debt Repayment i-20.05M-9.05B
Common Stock Repurchase i-991,000-489.00M

Short Interest & Institutional Ownership Analysis

MetricFBNCUSB
Shares Short i2.02M27,002
Short Ratio i8.730.00
Short % of Float i5.80%0.00%
Shares Outstanding i41.47M1.56B
Float Shares i40.67M1.55B
% Held by Insiders i3.73%0.14%
% Held by Institutions i80.30%83.55%
% Held by Public i15.97%16.31%

Dividend Analysis & Yield Comparison: First Bancorp. vs U.S. Bancorp

MetricFBNCUSB
Last 12-Month Dividend i$1.15$2.04
Last 12-Month Dividend Yield i2.16%3.82%
3-Year Avg Annual Dividend i$0.97$1.98
3-Year Avg Dividend Yield i0.58%1.19%
3-Year Total Dividends i$2.91$5.95
Ex-Dividend DateMar 31, 2026Dec 31, 2025