/
Description The Company is the fourth largest commercial bank holding company headquartered in North Carolina. At December 31, 2025, the Company had total consolidated assets of $12.7 billion, total loans of $8.7 billion, total deposits of $10.7 billion, and shareholders equity of $1.7 billion.
197.87% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 4.6%, essentially flat. This is a business that needs a catalyst.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (FY)
$56M
▲ +4.6% YoY
Net Income (TTM)
$121M
▲ +45.7% YoY
Net Margin
—
P/E
—
Balance Sheet
Total Assets
$12.95B
Equity
$1.68B
Total Debt
$89M
Cash & Equiv.
$598M
3Y CAGR: +123.2%
Continue Research