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Why FCBM Stock advanced +1.32% Today — RQD Quant Desk Flash

$13.05 +1.32% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.06

First Carolina Financial Services Inc. (FCBM) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $405.4M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FCBM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, First Carolina Financial Services Inc. (NYSE: FCBM) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $13.05 (+1.32% 1D, market cap $405.4M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, FCBM ranks #577 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FCBM compare to CZFS and FNLC in the Financials sector?
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Within the Financials sector (Major Banks), FCBM carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, CZFS (Citizens Financial Services Inc.) holds a B- grade (70/100 RQD, P/E 11.2x, ROIC 10.8%, cap $413.7M) and FNLC (First Bancorp Inc (ME)) posts a B grade (73/100 RQD, P/E 12.0x, ROIC 12.1%, cap $415.4M). Among the 5-stock peer group, CZFS leads on earnings multiple (11.2x) while FNLC leads on capital efficiency (12.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FCBM?
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Per FCBM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001531193), First Carolina Financial Services Inc. generated $1.39B in revenue, $0 in net income, and $0 in free cash flow against $3.32B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $13.06 (+0.05%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY • 50.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510053
2-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk C
Cash (10)Whales (9)SEC (13)Macro (12)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-2.2% Base Target
$15 Bull$13 Base$10 Bear
📬 FREE FCBM RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FCBM)Realized 20D OHLCV Swing Band: ±3.7%
Deterministic 5-Pillar Attribution (53/100 Composite)
🔍 WHY FCBM SCORES 53/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Macro Regime Fit+12/20 pts (23% of score)

FRED Regime × Technicals: 72% of 52W Range • RSI-14 at 56.7 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
45
Grade D$12.56+0.9% Next Q
Q2 (-2Q)
48
Grade D$12.67+2.8% Next Q
Q3 (-1Q)
50
Grade C-$13.03+0.2% Next Q
Current
53
Grade D+$13.05-0.9% Hist 90D α
Trajectory: D (45) → D+ (53)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FCBM Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FCBM currently carries a cautious 53/100 (D+) rating due to Insider Conviction & Share Dilution (9/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($12.77) and Max Pain ($13.70) forces dealer call-delta covering toward $15.06.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FCBM• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FCBM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 53%NO 47%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why FCBM Stock advanced +1.32% Today — RQD Quant Desk Flash

First Carolina Financial Services Inc. (FCBM) advanced +1.32% to $13.05, trading at 72% of its 52-week range ($12.17 – $13.4). Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

  • ▸Technical Tape: Trading at 72% of its 52-week range ($12.17 – $13.4) with RSI-14 at 56.7 (BULLISH MOMENTUM).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±3.7% around $13.05 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $11.4M annual free cash flow.
Live FCBM Headlines & Catalysts
MARKET WIRESimply Wall St • 2d ago
Agi (NYSE:AGBK) - Stock Analysis

Simply Wall St report covering First Carolina Financial Services Inc. (FCBM) market action, institutional positioning, and fundamental catalysts.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FCBM)

  • ✓Walkthrough of FCBM's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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FCBM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.57%▲ ASCENDING TRIANGLE
2026-11-04O $12.88H $13.05L $12.88C $13.05VOL 183.2K
RES: $13.31SUP: $12.56SMA50: $12.77SMA200: $12.73
$13.49$13.13$12.77$12.42$12.06RES $13.31SUP $12.56$13.052026-06-182026-07-242026-08-272026-10-012026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FCBM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FCBM Butterfly Map → + Track FCBM →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FCBM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FCBM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FCBM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FCBM)

Financials Rank #577 of 1097 ⚔️ CZFS vs FCBM Full Matrix →

1. Head-to-Head Financials Peer Comparison (FCBM vs. CZFS, FNLC, FDBC, NWFL)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, First Carolina Financial Services Inc. (FCBM) ranks #577 by composite RQD confidence (53/100, grade D+) and #746 by equity capitalization ($405.4M). Within this direct 5-issuer industry benchmark cohort, CZFS leads on earnings valuation at 11.2x trailing P/E, while FNLC leads on capital efficiency and profitability with 12.1% ROIC and — gross margin. FNLC currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with FCBM at 53/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FCBM ACTIVE
First Carolina Financial Services Inc.
D+ 53/100 — — — +1.32% $405.4M Benchmark Subject
CZFS
Citizens Financial Services Inc.
B- 70/100 11.2x — 10.8% +0.77% $413.7M /czfs-vs-fcbm →
FNLC
First Bancorp Inc (ME)
B 73/100 12.0x — 12.1% +1.29% $415.4M /fnlc-vs-fcbm →
FDBC
Fidelity D & D Bancorp Inc.
C+ 69/100 13.6x — 11.8% +3.39% $395.3M /fdbc-vs-fcbm →
NWFL
Norwood Financial Corp.
B 72/100 14.0x — 11.5% +1.80% $394.1M /nwfl-vs-fcbm →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2025–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001531193 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Carolina Financial Services Inc. (FCBM) reported GAAP revenue of $1.39B , GAAP net income of $0, operating cash flow of $0, and free cash flow of $0 . On the balance sheet, FCBM closed FY2025 with $3.32B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: N/A).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.39B $0 — — $3.32B —

3. FCBM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FCBM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, First Carolina Financial Services Inc. (NYSE: FCBM) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $13.05 (+1.32% 1D, market cap $405.4M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, FCBM ranks #577 in composite RQD confidence.

How does FCBM compare to CZFS and FNLC in the Financials sector?

Within the Financials sector (Major Banks), FCBM carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, CZFS (Citizens Financial Services Inc.) holds a B- grade (70/100 RQD, P/E 11.2x, ROIC 10.8%, cap $413.7M) and FNLC (First Bancorp Inc (ME)) posts a B grade (73/100 RQD, P/E 12.0x, ROIC 12.1%, cap $415.4M). Among the 5-stock peer group, CZFS leads on earnings multiple (11.2x) while FNLC leads on capital efficiency (12.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FCBM?

Per FCBM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001531193), First Carolina Financial Services Inc. generated $1.39B in revenue, $0 in net income, and $0 in free cash flow against $3.32B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FCBM trading relative to its 50-day, 200-day, and 52-week technical levels?

FCBM last traded at $13.05 (+1.32% on volume of 183,245 shares), positioning the stock +2.19% above its 50-day simple moving average ($12.77) and +2.51% above its 200-day simple moving average ($12.73). Across its 52-week range of $12.17 to $13.40, FCBM sits at the 71.5% percentile with a 14-day RSI of 56.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.7% ($12.57 to $13.53).

Direct Sub-Reports: FCBM RQD Cockpit FCBM 12M Forecast FCBM Earnings & Move FCBM Dividends & DRIP FCBM Insiders & 13F FCBM Whale Options FCBM Profit Sankey FCBM News & Why
ROARABLE RATING BRIEF • RQD 53/100 (D+) ✓ SEC XBRL & RQD VERIFIED

FCBM — First Carolina Financial Services Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First Carolina Financial Services Inc. (FCBM) earns a live Roarable RQD composite score of 53/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $13.05 (+1.32% 1D, market capitalization $405.4M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

First Carolina Financial Services Inc. (FCBM) is a NYSE-listed issuer in the Financials sector and Major Banks industry. Per the Market Data section, the company carries a market capitalization of $0.4B. — for a detailed description of products, customers, or revenue model.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Carolina Financial Services Inc. (FCBM) reported $1.39B in annual revenue and $0 in GAAP net income. Operating cash flow reached $0 and free cash flow totaled $0, backed by $3.32B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 53/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 9/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $12.17 – $13.40 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector is Financials and industry is Major Banks. No upstream or downstream dependencies are mapped in the source data, so specific 2nd-order bottlenecks cannot be identified from the provided material. Investors should note the absence of mapped links as a gap rather than evidence of independence.

  • Key Question #1: Can FCBM sustain or expand its — operating margin and — ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.39B and free cash flow of $0, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FCBM's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FCBM Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First Carolina Financial Services Inc. (FCBM) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FCBM Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FCBM Bull vs. Bear Conversation Board — What's Your Call at $13.05?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FCBM 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FCBM:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $16.49 (+28.0%)
📌 Pinned Debate

Hovde Group upgraded FCBM to Outperform with a $15 price target, and the balance sheet pillar (13/20) is the strongest component of the

Picked up a starter position in FCBM in my $100K Virtual Cash book at $12.88. Hovde Group upgraded FCBM to Outperform with a $15 price target, and the balance sheet pillar (13/20) is the strongest component of the RQD rating.. Trading inside a $12.17–$13.40 52-week range with 0.0% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

CapAlloc_Nerd 🐂 BULL

@RedlineAuditor Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $9.92 (-23.0%)
Spot @ $12.88

ROIC and FCF yield are both 0% per the RQD rating, and insider conviction scores the lowest pillar at 9/20.

Careful chasing FCBM at $12.88. ROIC and FCF yield are both 0% per the RQD rating, and insider conviction scores the lowest pillar at 9/20.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $9.92 on multiple compression.

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