Everette-linked entities boost First Carolina (NASDAQ: FCBM) stake with 28,625-share buy

Rhea-AI Filing Summary

First Carolina Financial Services director-related entities increased their stake through open-market buying. On June 18, 2026, entities associated with director Floyd Gregory Everette purchased a total of 28,625 shares of First Carolina Financial Services common stock at $12.50 per share, in a series of open-market transactions that were part of a directed share program connected to the company’s initial public offering.

Following these purchases, Everette’s direct holdings stood at 152,990 shares. Indirect holdings reported included 35,600 shares held by S&F Family Office, Inc., 62,632 shares held by Dexter E. Floyd ILIT, 3,375 shares held by his son, 3,125 shares held by his spouse, and 43,375 shares held as custodian for his children.

Insights

Equity ownership analyst

Director-linked entities made a net open-market share purchase.

Entities associated with director Floyd Gregory Everette purchased 28,625 shares of First Carolina Financial Services at $12.50 per share on June 18, 2026. These transactions were part of a directed share program tied to the company’s initial public offering.

The filing shows a net-buy pattern with no sales, and a sizeable direct position of 152,990 shares after the transaction, alongside multiple indirect family and entity holdings. The data reflects increased reported exposure but does not quantify the company’s total float, so the overall impact on ownership structure is difficult to gauge from this filing alone.

Insider Trade Summary

Net Buyer: 28,625 shares

Net Buy 6 txns

Insider Floyd Gregory Everette

Role Director

Bought 28,625 shs ($358K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	18,750	$12.50	$234K
Purchase	Common Stock	3,375	$12.50	$42K
Purchase	Common Stock	3,125	$12.50	$39K
Purchase	Common Stock	3,375	$12.50	$42K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 152,990 shares (Direct); Common Stock — 43,375 shares (Indirect, As custodian for children); Common Stock — 3,125 shares (Indirect, By spouse); Common Stock — 3,375 shares (Indirect, By son); Common Stock — 62,632 shares (Indirect, By Dexter E. Floyd ILIT); Common Stock — 35,600 shares (Indirect, By S&F Family Office, Inc.)

Footnotes (1)

1. F1. Reflects shares purchased pursuant to a directed share program in connection with the Issuer's initial public offering.

Key Figures

Total shares purchased: 28,625 shares Purchase price: $12.50 per share Direct holdings after transaction: 152,990 shares +5 more

8 metrics

Total shares purchased 28,625 shares Open-market/direct program purchases on June 18, 2026

Purchase price $12.50 per share Price for each reported common stock purchase

Direct holdings after transaction 152,990 shares Common stock held directly by Everette after June 18, 2026

S&F Family Office holdings 35,600 shares Indirect holdings reported as held by S&F Family Office, Inc.

Dexter E. Floyd ILIT holdings 62,632 shares Indirect holdings reported as held by Dexter E. Floyd ILIT

Custodian for children holdings 43,375 shares Indirect holdings where Everette is custodian for children

Spouse account holdings after buy 3,125 shares Indirect holdings reported as held by spouse after purchase

Son account holdings after buy 3,375 shares Indirect holdings reported as held by son after purchase

Key Terms

directed share program, initial public offering, indirect, non-derivative, +1 more

5 terms

directed share program financial

"Reflects shares purchased pursuant to a directed share program in connection with the Issuer's initial public offering."

initial public offering financial

"pursuant to a directed share program in connection with the Issuer's initial public offering."

An initial public offering (IPO) is when a private company first sells its shares to the public and becomes a stock-listed company. It matters because it allows the company to raise money from a wide range of investors, helping it grow, while giving early shareholders a way to sell some of their ownership.

indirect financial

"ownership_type": "indirect", "ownership_code": "I""

non-derivative financial

"transaction_type": "non-derivative", "transaction_shares": "3375.0000""

open-market purchase financial

"transaction_action": "open-market purchase", "transaction_code_description""

An open-market purchase is when an investor or a company buys shares on a public stock exchange at the going market price, rather than through a private deal. It matters to investors because these purchases change how many shares are available, can push the stock price up or signal confidence from large buyers, and often affect per-share metrics like earnings—think of it like someone buying lots of apples off a grocery shelf, reducing supply and potentially raising the price.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 06/22/2026 - 07:03 PM Accepted by SEC EDGAR 06/22/2026 - 07:03 PM Learn about SEC filing dates

FAQ

What insider transactions did FCBM director-related entities report on June 18, 2026?

Entities associated with director Floyd Gregory Everette bought 28,625 FCBM shares on June 18, 2026. These open-market purchases at $12.50 per share were executed through various family and entity accounts as part of a directed share program linked to the company’s initial public offering.

At what price were the FCBM shares purchased in the reported Form 4?

The reported FCBM common stock purchases were made at $12.50 per share. Multiple open-market transactions on June 18, 2026, for a combined 28,625 shares all used this price, in connection with a directed share program tied to the company’s initial public offering.

How many First Carolina Financial Services shares does Floyd Gregory Everette hold directly after the transaction?

After the reported transactions, Everette’s direct holdings totaled 152,990 FCBM shares. This direct position is separate from several indirect holdings reported through a family office, an ILIT, his spouse, his son, and accounts where he acts as custodian for his children.

What indirect FCBM holdings are associated with Floyd Gregory Everette on this Form 4?

Indirect FCBM holdings include 35,600 shares via S&F Family Office and 62,632 via Dexter E. Floyd ILIT. Additional indirect positions reported are 3,375 shares held by his son, 3,125 by his spouse, and 43,375 where he acts as custodian for his children.

Were the reported FCBM insider share purchases part of the IPO process?

Yes, the filing notes the shares were bought through a directed share program. The footnote explains that the purchases occurred pursuant to a directed share program in connection with First Carolina Financial Services’ initial public offering, indicating a structured allocation rather than purely discretionary market buying.

Did the Form 4 for FCBM show any insider share sales by Floyd Gregory Everette or related entities?

No, the summarized transactions show a net-buy pattern with no sales. The transaction summary lists four purchase transactions totaling 28,625 shares and no reported sales, gifts, tax withholdings, or derivative exercises in this particular Form 4 filing.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Floyd Gregory Everette

(Last) (First) (Middle)

C/O FIRST CAROLINA FINANCIAL SERVICES

2626 GLENWOOD AVENUE SUITE 200

(Street)

RALEIGH NORTH CAROLINA 27608

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
First Carolina Financial Services, Inc. [ FCBM ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/18/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	06/18/2026		P		18,750(1)	A	$12.5	152,990	D
Common Stock	06/18/2026		P		3,375(1)	A	$12.5	43,375	I	As custodian for children
Common Stock	06/18/2026		P		3,125(1)	A	$12.5	3,125	I	By spouse
Common Stock	06/18/2026		P		3,375(1)	A	$12.5	3,375	I	By son
Common Stock								62,632	I	By Dexter E. Floyd ILIT
Common Stock								35,600	I	By S&F Family Office, Inc.

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Reflects shares purchased pursuant to a directed share program in connection with the Issuer's initial public offering.

	/s/ Kristen Brabble, as attorney-in-fact	06/22/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)