First Bancorp (FBNC) — Cash Flow Quality Index
First Bancorp (FBNC) has a Cash Flow Quality Index of 3.51x as of December 2025. Operating cash flow of $55.16 Million exceeds net income of $15.71 Million, indicating high earnings quality where cash backs reported profits. Explore First Bancorp long-term investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
First Bancorp Cash Flow Quality Index (1991–2025)
Historical Cash Flow Quality Index for First Bancorp across 34 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check First Bancorp tangible book value ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for First Bancorp (1991–2025)
Year-by-year earnings quality comparison for First Bancorp. For live market cap and the full company financial profile, see FBNC market cap.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.83x | $203.13 Million | $111.05 Million | ▼ -20.2% |
| 2024 | 2.29x | $174.78 Million | $76.22 Million | ▲ +81.7% |
| 2023 | 1.26x | $131.40 Million | $104.13 Million | ▼ -19.6% |
| 2022 | 1.57x | $230.65 Million | $146.94 Million | ▲ +8.1% |
| 2021 | 1.45x | $138.90 Million | $95.64 Million | ▲ +107.3% |
| 2020 | 0.70x | $57.08 Million | $81.48 Million | ▲ +25.8% |
| 2019 | 0.56x | $51.24 Million | $92.05 Million | ▲ +7.1% |
| 2018 | 0.52x | $46.41 Million | $89.29 Million | ▼ -11.0% |
| 2017 | 0.58x | $26.84 Million | $45.97 Million | ▼ -61.1% |
| 2016 | 1.50x | $41.27 Million | $27.51 Million | ▲ +8.6% |
| 2015 | 1.38x | $37.35 Million | $27.03 Million | ▼ -27.8% |
| 2014 | 1.91x | $47.82 Million | $25.00 Million | ▼ -44.9% |
| 2013 | 3.47x | $71.88 Million | $20.70 Million | ▲ +27.9% |
| 2011 | 2.72x | $37.05 Million | $13.64 Million | ▼ -57.7% |
| 2010 | 6.42x | $64.11 Million | $9.98 Million | ▲ +2474.4% |
| 2009 | 0.25x | $15.03 Million | $60.26 Million | ▼ -84.0% |
| 2008 | 1.56x | $34.29 Million | $22.00 Million | ▲ +11.2% |
| 2007 | 1.40x | $30.56 Million | $21.81 Million | ▲ +7.9% |
| 2006 | 1.30x | $25.06 Million | $19.30 Million | ▼ -27.7% |
| 2005 | 1.80x | $28.90 Million | $16.09 Million | ▲ +29.5% |
| 2004 | 1.39x | $27.89 Million | $20.11 Million | ▼ -35.1% |
| 2003 | 2.14x | $41.47 Million | $19.42 Million | ▲ +232.0% |
| 2002 | 0.64x | $11.08 Million | $17.23 Million | ▼ -27.1% |
| 2001 | 0.88x | $12.02 Million | $13.62 Million | ▼ -41.7% |
| 2000 | 1.51x | $14.14 Million | $9.34 Million | ▼ -8.2% |
| 1999 | 1.65x | $19.55 Million | $11.85 Million | ▼ -11.8% |
| 1998 | 1.87x | $20.51 Million | $10.97 Million | ▲ +26.3% |
| 1997 | 1.48x | $7.40 Million | $5.00 Million | ▼ -12.8% |
| 1996 | 1.70x | $7.30 Million | $4.30 Million | ▼ -60.1% |
| 1995 | 4.25x | $6.80 Million | $1.60 Million | ▲ +196.5% |
| 1994 | 1.43x | $4.30 Million | $3.00 Million | ▼ -19.4% |
| 1993 | 1.78x | $4.80 Million | $2.70 Million | ▼ -1.2% |
| 1992 | 1.80x | $4.50 Million | $2.50 Million | ▲ +2.9% |
| 1991 | 1.75x | $3.50 Million | $2.00 Million | — |