Is FIRST BANCORP /NC/ (FBNC) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 23.0% | |
| Net Margin | 29.3% | |
| Return on Equity (ROE) | 7.2% | |
| Return on Assets (ROA) | 0.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $203M |
| Free Cash Flow | $199M |
| Total Debt | -$3M |
| Total Assets | $12.7B |
Price & Trading
| Last Close | $55.61 |
| 50-Day MA | $57.73 |
| 200-Day MA | $52.16 |
| Avg Volume | 244K |
| Beta | 0.9 |
|
52-Week Range
$34.50
| |
About FIRST BANCORP /NC/ (FBNC)
First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and businesses. The company accepts deposit products, such as checking, savings, and money market accounts; and time deposits, including certificate of deposits and individual retirement accounts. It also offers commercial business loans, commercial and residential real estate construction and mortgage loans, revolving lines of credit, and letters of credit, as well as loans for personal uses, home improvement, and automobiles; and accounts receivable financing and factoring, inventory financing, and purchase order financing services. In addition, the company provides credit and debit cards, safe deposit box rental services, and electronic funds transfer services consisting of wire transfers; and internet and mobile banking, mobile check deposit, cash management, bank-by-phone services, and remote deposit capture services. Further, it offers investment and insurance products, such as mutual funds, annuities, long-term care insurance, life insurance, and company retirement plans; property and casualty insurance products; and financial planning services. The company was founded in 1934 and is headquartered in Southern Pines, North Carolina.
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Frequently Asked Questions
Is FIRST BANCORP /NC/ (FBNC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), FIRST BANCORP /NC/ is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is FIRST BANCORP /NC/'s debt ratio?
FIRST BANCORP /NC/'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are FIRST BANCORP /NC/'s key financial metrics?
FIRST BANCORP /NC/ has a market capitalization of $2.3B, trailing P/E ratio of 20.6, and revenue of $384M. Return on equity stands at 7.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.