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SPNS vs FBNC

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

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

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

SPNS vs FBNC - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

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

SPNS vs FBNC - Historical Returns

Returns include dividend reinvestment.

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

SPNS vs FBNC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

SPNS vs FBNC Drawdown Comparison

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

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

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

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

Correlation

Correlation between SPNS and FBNC 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)

SPNS vs FBNC dividend yield comparison.

YearSPNSFBNC
20260.00%0.40%
20251.52%1.79%
20242.12%2.00%
20231.76%2.38%
20223.79%2.05%
20211.07%1.75%
20200.46%2.13%
20190.96%1.35%
20181.81%1.22%
20171.74%0.91%
20161.39%1.18%
20154.41%1.71%
20140.00%1.73%
20131.95%1.93%
20120.00%2.50%
20110.00%2.87%
20100.00%2.09%
20090.00%2.29%
20080.00%4.14%
20070.00%4.02%
20060.00%3.39%
20050.00%3.47%
20040.00%2.42%
20030.00%3.01%
20020.00%3.83%
20010.00%3.90%
20000.00%4.45%
19990.00%0.69%

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