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FBNC vs SPNS

Comparison between First Bancorp (FBNC, Company) and Sapiens International Corp NV (SPNS, Company).

FBNC is from the Financial Services sector, while SPNS is from the Technology sector.

5-Year PerformanceSPNS has outperformed FBNC, delivering a return of +11.4% compared to +9.0%

FBNC vs SPNS - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
Winner
FBNC
$2.43B
SPNS
$2.43B
Max Drawdown
Winner
FBNC
75.19%
SPNS
99.28%
Sharpe Ratio
Winner
FBNC
1.39
SPNS
1.03
5Y Beta
FBNC
0.90
SPNS
N/A
Industry
FBNC
Banks - Regional
SPNS
Software - Application
P/E Ratio
Winner
FBNC
20.07
SPNS
33.64
Forward P/E
Winner
FBNC
14.31
SPNS
29.59
PEG Ratio
Winner
FBNC
0.52
SPNS
2.20
Dividend Yield
Winner
FBNC
1.56%
SPNS
1.38%
5Y Dividends CAGR
FBNC
9.22%
Winner
SPNS
33.99%
5Y EPS CAGR
FBNC
-1.72%
Winner
SPNS
19.81%
Debt to Equity
Winner
FBNC
4.44%
SPNS
8.25%
Free Cash Flow Yield
Winner
FBNC
8.47%
SPNS
3.27%
P/S Ratio
FBNC
6.18
SPNS
N/A
P/B Ratio
FBNC
1.46
SPNS
N/A

FBNC vs SPNS - Historical Returns

Returns include dividend reinvestment.

1M
Winner
FBNC
+2.42%
SPNS
+0.72%
3M
Winner
FBNC
+3.46%
SPNS
+1.02%
6M
FBNC
+17.29%
Winner
SPNS
+53.10%
1Y
FBNC
+47.30%
Winner
SPNS
+56.07%
5Y(CAGR)
FBNC
+9.05%
Winner
SPNS
+11.44%
10Y(CAGR)
FBNC
+13.92%
Winner
SPNS
+17.93%
Max(CAGR)
Winner
FBNC
+8.57%
SPNS
+0.62%

FBNC vs SPNS - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearFBNCSPNS
2026+16.92%N/A
2025+20.45%+71.02%
2024+21.01%-2.56%
2023-9.38%+56.77%
2022-5.34%-45.70%
2021+40.56%+15.44%
2020-12.61%+31.91%
2019+23.46%+112.34%
2018-7.47%-6.92%
2017+32.08%-20.24%
2016+53.67%+42.15%
2015+5.84%+45.61%
2014+13.80%-2.12%
2013+25.19%+96.82%
2012+18.28%+6.38%
2011-27.62%+62.07%
2010+8.12%+55.41%
2009-16.64%-20.41%
2008+4.41%+44.01%
2007-12.85%-10.74%
2006+9.22%-2.60%
2005-23.48%-42.75%
2004+33.30%-31.49%
2003+36.67%-11.24%
2002+10.09%-11.76%
2001+47.53%-11.76%
2000-0.00%-93.16%
1999-16.94%+73.05%

FBNC vs SPNS Drawdown Comparison

The maximum drawdown for FBNC was -71.02%, occurring on Mar 9, 2009. Recovery took 3007 trading sessions.

The maximum drawdown for SPNS was -99.28%, occurring on Mar 5, 2009. This drawdown has not yet recovered.

The current FBNC drawdown is -4.35%. The current SPNS drawdown is -47.10%.

RankFBNCSPNS
#1-71.02%
Dec 1, 2004 - Nov 9, 2016
-99.28%
Jan 24, 2000 - Mar 5, 2009
#2-54.14%
Aug 22, 2018 - Feb 24, 2021
-18.64%
Dec 27, 1999 - Jan 14, 2000
#3-44.97%
Nov 11, 2021 - Nov 6, 2024
-13.43%
Dec 13, 1999 - Dec 27, 1999
#4-38.73%
Nov 1, 1999 - Jan 30, 2001
-6.60%
Nov 9, 1999 - Nov 26, 1999
#5-26.02%
Nov 25, 2024 - Jul 24, 2025
-5.26%
Nov 1, 1999 - Nov 8, 1999
#6-20.47%
Mar 12, 2021 - Oct 8, 2021
-4.54%
Nov 30, 1999 - Dec 7, 1999
#7-20.04%
Jun 14, 2001 - May 14, 2002
-4.13%
Dec 9, 1999 - Dec 13, 1999
#8-18.97%
Feb 17, 2004 - Oct 4, 2004
N/A
#9-17.50%
Jun 28, 2002 - May 20, 2003
N/A
#10-16.25%
Sep 4, 2025 - Jan 14, 2026
N/A
#11-15.30%
Feb 6, 2026 - Mar 20, 2026
N/A
#12-15.29%
Mar 30, 2001 - May 15, 2001
N/A
#13-14.77%
May 14, 2002 - Jun 24, 2002
N/A
#14-12.54%
Apr 25, 2017 - Jun 14, 2017
N/A
#15-11.34%
Nov 29, 2017 - Apr 25, 2018
N/A

Correlation

Correlation between FBNC and SPNS is 0.61 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.61
-101

Dividend Comparison (1999 - 2026)

FBNC vs SPNS dividend yield comparison.

YearFBNCSPNS
20260.40%0.00%
20251.79%1.52%
20242.00%2.12%
20232.38%1.76%
20222.05%3.79%
20211.75%1.07%
20202.13%0.46%
20191.35%0.96%
20181.22%1.81%
20170.91%1.74%
20161.18%1.39%
20151.71%4.41%
20141.73%0.00%
20131.93%1.95%
20122.50%0.00%
20112.87%0.00%
20102.09%0.00%
20092.29%0.00%
20084.14%0.00%
20074.02%0.00%
20063.39%0.00%
20053.47%0.00%
20042.42%0.00%
20033.01%0.00%
20023.83%0.00%
20013.90%0.00%
20004.45%0.00%
19990.69%0.00%

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