First Carolina Financial Services
FCBM12.4900.08% ( -0.010 )
Q2 FY2026 EarningsQ2 FY2026 performance was mixed compared to consensus, with a slight miss on the bottom line. Revenue of $32.3M missed the $34.1M estimate by 5.4%, primarily due to the strategic discontinuation of a legacy banking-as-a-service partnership. GAAP EPS of $0.20 was slightly below the $0.2067 consensus mean, despite a 11.0% YoY increase in net income. The quarter was highlighted by a successful IPO and significant balance sheet optimization, including a 53.5% YoY reduction in higher-cost certificates of deposit.
Financial report interval: 2026.03.30 - 2026.06.30
Preview: First Carolina Financial Services(FCBM) predict that the Revenue is 32.26 M (--%), Miss estimate;the EBIT is 6.761 M (--%), Miss estimate;the EPS is 0.2 (--%), Miss estimate.
Actual
YoY
Estimate
YoY
Vs estimate
YoY
RevenueMiss expectations
0.03B--
0.03B--
-0.00B--%
EBITMiss expectations
0.01B--
0.01B--
-0.00B--%
EPSMiss expectations
0.2--
0.2067--
-0.0067--%
Revenue
ActualEstimateUnit: USD
qf
EBIT
ActualEstimateUnit: USD
qf
Net income
ActualEstimateUnit: USD
qf
EPS
ActualEstimateUnit: USD
qf