First Carolina Financial Services cash flow to debt ratio of 25.95% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

First Carolina Financial Services's free cash flow has decreased 43.99% from $57.18M last year to $32.03M, signaling decreasing performance

First Carolina Financial Services's debt to equity ratio is 0.26, which means that the company's assets are healthy financed, signaling financial stability.

First Carolina Financial Services's debt has decreased relative to shareholder equity from 0.48 last year to 0.26 today, signaling strengthened financials

First Carolina Financial Services has a net debt to EBITDA ratio of 0.21x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

First Carolina Financial Services earns at least as much interest as it pays. Interest obligations are fully covered.

First Carolina Financial Services's profit margin has decreased (63.87%) in the last year from 29.23% to 10.56%, signaling decreasing performance

First Carolina Financial Services's short-term assets of $0.00 exceed its short-term liabilities of $0.00

First Carolina Financial Services's return on assets of 0.32% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Carolina Financial Services's return on equity of 2.81%, is lower than 15.00%, indicating bad performance

First Carolina Financial Services's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

First Carolina Financial Services has insufficient public price history to evaluate earnings stability.

First Carolina Financial Services has positive free cash flow, indicating the company generates cash after capital expenditures

First Carolina Financial Services has a free cash flow yield of 8.35%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

First Carolina Financial Services's yearly earnings has decreased 41.66% since last year from $20.91M to $12.20M, signaling decreasing performance

First Carolina Financial Services's yearly revenue has increased 196.30% since last year from $71.53M to $211.96M, signaling increasing performance

ROIC 0.32% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Carolina Financial Services has insufficient revenue history to calculate 3-year revenue CAGR.

First Carolina Financial Services has insufficient public price history to evaluate revenue consistency.

First Carolina Financial Services has insufficient public price history to evaluate ROE consistency.

First Carolina Financial Services has insufficient data to evaluate this check.

First Carolina Financial Services has an earnings yield of 2.72%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

First Carolina Financial Services is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

First Carolina Financial Services has an EV/EBITDA ratio of 18.95x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

First Carolina Financial Services has insufficient data to evaluate this check.

First Carolina Financial Services has insufficient diluted EPS history to calculate the PEG ratio.

First Carolina Financial Services has a price-to-book ratio of 0.94x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Carolina Financial Services has a price-to-sales ratio of 3.88x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue