FBNC vs UCB
FBNC: Carolina-focused regional bank serving small businesses and middle-market customers through traditional lending, deposits, and financial services. UCB: A Southeastern regional bank holding company combining community-bank customer service with specialized national lending capabilities in SBA, USDA, and equipment finance.
Side-by-side fundamentals
| Metric | FBNC | UCB | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $62.61 | $34.99 | |
| Market cap as of 2026-07-23 | $2.7B | $4.2B | |
| P/E as of 2026-07-23 | 22.00 | 12.31 | UCB lower |
| PEG as of 2026-07-23 | 0.57 | 0.30 | UCB lower |
| Net margin as of 2026-07-23 | +27.8% | n/a | |
| Operating margin as of 2026-07-23 | +35.1% | n/a | |
| ROE as of 2026-07-23 | +7.5% | +9.4% | UCB higher |
| ROA as of 2026-07-23 | +0.9% | +1.2% | UCB higher |
| Debt / equity as of 2026-07-23 | 0.04 | 0.03 | UCB lower |
| Revenue growth (YoY) as of 2026-07-23 | +40.5% | n/a | |
| Revenue CAGR (3y) SEC XBRL | +57.1% | +8.8% | FBNC higher |
| Dividend yield as of 2026-07-23 | +1.5% | +2.9% | UCB higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-23 | 0.83 | 0.84 | |
| 1-year return as of 2026-07-22 close | +35.7% | +11.9% | FBNC higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.