First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank, a state-chartered community bank. The company provides comprehensive financial services to individuals, professionals, small- and medium-sized businesses, and higher education institutions. Its core offerings include checking, savings, and money market deposit accounts, certificates of deposit, and individual retirement accounts. On the lending side, First Carolina provides commercial financing, real estate loans, and consumer loans. The company also offers treasury management, merchant services, wealth management, and trust and fiduciary services. First Carolina operates through two primary segments: Community Banking and BM Tech. The Community Banking segment focuses on gathering deposits and originating loans within its primary markets across North Carolina, South Carolina, Georgia, and Virginia. The BM Tech segment features a technology platform that provides funds disbursement services to higher education institutions and enables student consumers to open digital-first deposit accounts. The company generates revenue primarily through net interest income from its loan and deposit portfolios, as well as non-interest income from service charges, fees, and its technology platform.
The sum of declared dividends issued by a company for every ordinary share outstanding.
Dividend Yield is a financial ratio that shows how much a company pays out in dividends each year relative to its share price in the last twelve months. In the absence of any capital gains, the dividend yield is the return on investment for a stock.
It is another way that companies have to remunerate their shareholders, being an alternative to dividends. Shows the % of repurchases per share made in the last 12 months in relation to the share price.
Sum of Dividend Yield and BuyBack Yield to show the total return that the shareholder received in the last 12 months in relation to the share price.
The dividend payout ratio is the ratio of the total amount of dividends paid out to shareholders relative to the net income of the company. It is the percentage of earnings paid to shareholders via dividends.
Retained earnings (RE) are the amount of net income left over for the business after it has paid out dividends to its shareholders and are an important variable for assessing a company's financial health because it shows the net income that a company has saved over time, and therefore has the ability to reinvest in the business or distribute to shareholders.
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