Breaking Down the Components: VIOO Aims for $127
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 17 2025
0mins
Should l Buy FBNC?
Source: NASDAQ.COM
Vanguard S&P Small-Cap 600 ETF Analysis: The Vanguard S&P Small-Cap 600 ETF (VIOO) has an implied analyst target price of $126.67, indicating a potential upside of 15.55% from its current trading price of $109.63.
Notable Holdings with Upside Potential: Key underlying holdings such as First Bancorp, FB Financial Corp, and Albany International Corp show significant upside potential, with target prices exceeding their recent trading prices by 15.60% to 20.87%.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy FBNC?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on FBNC
Wall Street analysts forecast FBNC stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for FBNC is 60.67 USD with a low forecast of 58.00 USD and a high forecast of 62.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
3 Buy
0 Hold
0 Sell
Strong Buy
Current: 60.940
Low
58.00
Averages
60.67
High
62.00
Current: 60.940
Low
58.00
Averages
60.67
High
62.00
About FBNC
First Bancorp is a bank holding company. The principal activity of the Company is the ownership and operation of the First Bank (the Bank), a state-chartered bank with its main office in Southern Pines, North Carolina. The Bank has two wholly owned subsidiaries, Magnolia Financial, Inc. (Magnolia Financial) and First Troy SPE, LLC. Magnolia Financial is a business financing company that makes loans throughout the southeastern United States. The Bank maintains a diversified loan portfolio by providing a broad range of commercial and retail lending services to business entities and individuals. The Bank provides commercial business loans, commercial and residential real estate construction and mortgage loans, revolving lines of credit, letters of credit, and loans for personal uses, home improvement, and automobiles. The Bank offers a full range of deposit accounts and services to both retail and commercial customers. The Bank operates about 113 branches.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
First Bancorp Board Member Retires
- Board Member Retirement: Mary Clara Capel retired immediately on January 27, 2026, concluding her service on the First Bancorp and First Bank Board since 2005, marking a significant leadership change for the company.
- Family Service History: The Capel family's service to First Bancorp spans nearly 70 years, beginning with Jesse Capel's board membership in 1959, showcasing the family's profound influence on the company.
- Extensive Business Experience: Mary Clara Capel served as Director of Administration and Marketing at Capel, Incorporated for 37 years, facilitating the company's transformation from a local rug manufacturer to a global importer and exporter, bringing invaluable executive decision-making skills.
- Company's Gratitude: First Bancorp expresses deep gratitude for the Capel family's nearly seven decades of dedication, emphasizing that their leadership has been instrumental in the company's growth and success.
See More
First Bancorp (FBNC) Q4 Non-GAAP EPS of $1.19 Beats Estimates by $0.15
- Earnings Beat: First Bancorp reported a Q4 Non-GAAP EPS of $1.19, exceeding market expectations by $0.15, indicating resilience in its profitability amidst challenging conditions.
- Revenue Decline: The company's revenue of $83.9 million represents a 5.6% year-over-year decline and fell short of market expectations, reflecting pressures on overall business performance.
- Market Reaction: Given the revenue miss, investors may adopt a cautious outlook on the company's future growth prospects, potentially impacting stock price performance.
- Financial Health: Despite the revenue decline, First Bancorp must focus on maintaining its financial health to ensure stable profitability in a competitive market environment.
See More
First Bancorp Reports Q4 2025 Net Income of $15.7M, EPS at $0.38
- Net Income Decline: First Bancorp reported a net income of $15.7 million for Q4 2025, a 23.5% decrease from $20.4 million in Q3 2025, yet a significant 343.5% increase from $3.6 million in Q4 2024, demonstrating resilience amid economic fluctuations.
- Interest Income Growth: The net interest income for Q4 reached $106.2 million, up 3.6% from $102.5 million in Q3 and a 19.5% increase year-over-year, primarily driven by improved loan yields and effective management of deposit costs.
- Strong Capital Ratios: As of December 31, 2025, First Bancorp's total risk-based capital ratio stood at 16.08%, down from 16.58% in Q3, yet still above regulatory requirements, indicating a robust capital structure while expanding loans.
- Effective Expense Control: Noninterest expenses for Q4 totaled $62.2 million, slightly up from $60.2 million in Q3, but only a 6.3% increase year-over-year, reflecting the company's ability to manage costs effectively while expanding its operations.
See More
First Bancorp Declares $0.23 Cash Dividend Per Share
- Dividend Declaration: First Bancorp has declared a cash dividend of $0.23 per share payable on January 25, 2026, to shareholders of record as of December 31, 2025, demonstrating the company's ongoing commitment to shareholder returns.
- Strong Financial Performance: CEO Richard Moore highlighted that the company maintained strong capital and liquidity during the third quarter while achieving meaningful increases in adjusted net income and adjusted EPS, indicating robust operational performance in the market.
- Significant Asset Base: As a bank holding company, First Bancorp boasts total assets of $12.8 billion and operates 113 branches primarily in North Carolina and South Carolina, showcasing its substantial influence in the regional banking sector.
- Long-standing Banking Operations: Since 1935, First Bank has provided tailored banking services by combining best-in-class financial solutions with local expertise, further solidifying its position in the community banking landscape.
See More
First Bancorp Declares $0.23 Cash Dividend Per Share
- Dividend Declaration: First Bancorp has announced a cash dividend of $0.23 per share payable on January 25, 2026, to shareholders of record as of December 31, 2025, reflecting the company's ongoing commitment to shareholder returns.
- Strong Financial Performance: CEO Richard Moore highlighted that during the third quarter, the company maintained robust capital and liquidity while achieving meaningful increases in adjusted net income and adjusted EPS, indicating solid performance in the market.
- Significant Asset Base: As a bank holding company, First Bancorp boasts total assets of $12.8 billion and operates 113 branches primarily serving communities in North Carolina and South Carolina, enhancing its competitive position in the banking sector.
- Long-standing Banking Operations: Since 1935, First Bank has provided tailored banking services by combining best-in-class financial solutions with local expertise, further solidifying its position in the community banking landscape.
See More
Adam Currie Appointed to Board of Directors of First Bank and First Bancorp
Leadership Appointment: G. Adam Currie has been appointed to the Boards of Directors of First Bank and First Bancorp, reflecting the Board's confidence in his leadership and vision for the bank's future.
Career Background: Currie, who became CEO of First Bank in February 2025, has been with the bank since 2015 and has previously held senior roles at PNC Capital Markets and RBC Bank.
Commitment to Growth: Currie emphasizes his dedication to First Bank's legacy of service and community commitment, aiming to guide the company's continued growth and success.
Company Overview: First Bancorp, headquartered in Southern Pines, North Carolina, operates First Bank with 113 branches in the Carolinas and has total assets of $12.8 billion.
See More
First Bancorp Board Member Retires
- Board Member Retirement: Mary Clara Capel retired immediately on January 27, 2026, concluding her service on the First Bancorp and First Bank Board since 2005, marking a significant leadership change for the company.
- Family Service History: The Capel family's service to First Bancorp spans nearly 70 years, beginning with Jesse Capel's board membership in 1959, showcasing the family's profound influence on the company.
- Extensive Business Experience: Mary Clara Capel served as Director of Administration and Marketing at Capel, Incorporated for 37 years, facilitating the company's transformation from a local rug manufacturer to a global importer and exporter, bringing invaluable executive decision-making skills.
- Company's Gratitude: First Bancorp expresses deep gratitude for the Capel family's nearly seven decades of dedication, emphasizing that their leadership has been instrumental in the company's growth and success.
See More
First Bancorp (FBNC) Q4 Non-GAAP EPS of $1.19 Beats Estimates by $0.15
- Earnings Beat: First Bancorp reported a Q4 Non-GAAP EPS of $1.19, exceeding market expectations by $0.15, indicating resilience in its profitability amidst challenging conditions.
- Revenue Decline: The company's revenue of $83.9 million represents a 5.6% year-over-year decline and fell short of market expectations, reflecting pressures on overall business performance.
- Market Reaction: Given the revenue miss, investors may adopt a cautious outlook on the company's future growth prospects, potentially impacting stock price performance.
- Financial Health: Despite the revenue decline, First Bancorp must focus on maintaining its financial health to ensure stable profitability in a competitive market environment.
See More
First Bancorp Reports Q4 2025 Net Income of $15.7M, EPS at $0.38
- Net Income Decline: First Bancorp reported a net income of $15.7 million for Q4 2025, a 23.5% decrease from $20.4 million in Q3 2025, yet a significant 343.5% increase from $3.6 million in Q4 2024, demonstrating resilience amid economic fluctuations.
- Interest Income Growth: The net interest income for Q4 reached $106.2 million, up 3.6% from $102.5 million in Q3 and a 19.5% increase year-over-year, primarily driven by improved loan yields and effective management of deposit costs.
- Strong Capital Ratios: As of December 31, 2025, First Bancorp's total risk-based capital ratio stood at 16.08%, down from 16.58% in Q3, yet still above regulatory requirements, indicating a robust capital structure while expanding loans.
- Effective Expense Control: Noninterest expenses for Q4 totaled $62.2 million, slightly up from $60.2 million in Q3, but only a 6.3% increase year-over-year, reflecting the company's ability to manage costs effectively while expanding its operations.
See More
First Bancorp Declares $0.23 Cash Dividend Per Share
- Dividend Declaration: First Bancorp has declared a cash dividend of $0.23 per share payable on January 25, 2026, to shareholders of record as of December 31, 2025, demonstrating the company's ongoing commitment to shareholder returns.
- Strong Financial Performance: CEO Richard Moore highlighted that the company maintained strong capital and liquidity during the third quarter while achieving meaningful increases in adjusted net income and adjusted EPS, indicating robust operational performance in the market.
- Significant Asset Base: As a bank holding company, First Bancorp boasts total assets of $12.8 billion and operates 113 branches primarily in North Carolina and South Carolina, showcasing its substantial influence in the regional banking sector.
- Long-standing Banking Operations: Since 1935, First Bank has provided tailored banking services by combining best-in-class financial solutions with local expertise, further solidifying its position in the community banking landscape.
See More
First Bancorp Declares $0.23 Cash Dividend Per Share
- Dividend Declaration: First Bancorp has announced a cash dividend of $0.23 per share payable on January 25, 2026, to shareholders of record as of December 31, 2025, reflecting the company's ongoing commitment to shareholder returns.
- Strong Financial Performance: CEO Richard Moore highlighted that during the third quarter, the company maintained robust capital and liquidity while achieving meaningful increases in adjusted net income and adjusted EPS, indicating solid performance in the market.
- Significant Asset Base: As a bank holding company, First Bancorp boasts total assets of $12.8 billion and operates 113 branches primarily serving communities in North Carolina and South Carolina, enhancing its competitive position in the banking sector.
- Long-standing Banking Operations: Since 1935, First Bank has provided tailored banking services by combining best-in-class financial solutions with local expertise, further solidifying its position in the community banking landscape.
See More
Adam Currie Appointed to Board of Directors of First Bank and First Bancorp
Leadership Appointment: G. Adam Currie has been appointed to the Boards of Directors of First Bank and First Bancorp, reflecting the Board's confidence in his leadership and vision for the bank's future.
Career Background: Currie, who became CEO of First Bank in February 2025, has been with the bank since 2015 and has previously held senior roles at PNC Capital Markets and RBC Bank.
Commitment to Growth: Currie emphasizes his dedication to First Bank's legacy of service and community commitment, aiming to guide the company's continued growth and success.
Company Overview: First Bancorp, headquartered in Southern Pines, North Carolina, operates First Bank with 113 branches in the Carolinas and has total assets of $12.8 billion.
See More
