First Carolina Financial Services, Inc. (FCBM) Q3 FY2026 earnings

Reported results

• GAAP net income was $7.9 million, or $0.26 per diluted share, for the third quarter of 2026, compared to a GAAP net loss of $2.0 million, or $0.08 per diluted share, for the third quarter of 2025.
• GAAP net interest income totaled $28.1 million for the third quarter of 2026, representing a 10.0% increase compared to $25.5 million for the third quarter of 2025.
• GAAP noninterest expense totaled $25.8 million for the third quarter of 2026, down 19.6% compared to $32.1 million in the third quarter of 2025.
• Non-GAAP tangible book value per share was $11.73 at September 30, 2026, compared to GAAP book value per share of $13.93.
• Non-GAAP return on average tangible common equity (ROATCE) was 8.61% for the third quarter of 2026, compared to GAAP return on average equity of 7.24%.

Notes

All per share data has been adjusted to reflect a two-for-one stock split completed on June 17, 2026.

Price and volatility reaction

Source

The figures above come from the earnings release the company filed with the SEC on 2026-10-27 (8-K, Item 2.02). Read the original filing on sec.gov.