First Carolina Financial Services, Inc. (FCBM) — Cash Flow-to-Debt Ratio
First Carolina Financial Services, Inc. (FCBM) has a Cash Flow-to-Debt Ratio of 0.00x as of March 2026, meaning its operating cash flow of $13.31 Million could theoretically repay 0% of its total liabilities ($3.07 Billion) in one year. For the full cash flow conversion analysis, see FCBM operating cash flow.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
First Carolina Financial Services, Inc. Cash Flow-to-Debt Ratio (2023–2025)
Historical debt coverage capacity for First Carolina Financial Services, Inc. across 3 annual periods. See cash generation quality of First Carolina Financial Services, Inc. to measure how efficiently the company converts operating cash flow to free cash.
Annual Cash Flow-to-Debt Ratio for First Carolina Financial Services, Inc. (2023–2025)
Year-by-year debt coverage analysis for First Carolina Financial Services, Inc.. Check First Carolina Financial Services, Inc. cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $35.92 Million | $2.97 Billion | ▼ -47.2% |
| 2024 | 0.02x | $61.94 Million | $2.70 Billion | ▲ +283.5% |
| 2023 | -0.01x | $-30.69 Million | $2.46 Billion | — |