OTCPK:FCPB

Stock Analysis Report

First Capital Bancshares

Executive Summary

First Capital Bancshares, Inc. operates as the holding company for First Capital Bank that provides commercial banking services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

How has First Capital Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

6.3%

FCPB

1.6%

US Mortgage

0.4%

US Market


1 Year Return

-6.0%

FCPB

15.2%

US Mortgage

6.9%

US Market

Return vs Industry: FCPB underperformed the US Mortgage industry which returned 15.2% over the past year.

Return vs Market: FCPB underperformed the US Market which returned 6.9% over the past year.


Shareholder returns

FCPBIndustryMarket
7 Day6.3%1.6%0.4%
30 Day4.7%1.0%-1.2%
90 Day5.5%4.0%-0.4%
1 Year-6.0%-6.0%17.7%15.2%9.3%6.9%
3 Year159.9%-3.6%41.2%31.8%45.8%36.4%
5 Year412.4%90.1%71.5%53.4%62.9%45.1%

Price Volatility Vs. Market

How volatile is First Capital Bancshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is First Capital Bancshares undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether First Capital Bancshares is trading at an attractive price based on the cash flow it is expected to produce in the future. But as First Capital Bancshares has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of FCPB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through First Capital Bancshares regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is First Capital Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

10.4%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as First Capital Bancshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of FCPB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access First Capital Bancshares's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has First Capital Bancshares performed over the past 5 years?

15.5%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, First Capital Bancshares has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is First Capital Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse First Capital Bancshares's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. First Capital Bancshares has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of FCPB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when First Capital Bancshares's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is First Capital Bancshares's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage2.7%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate FCPB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate FCPB's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if FCPB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if FCPB's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of FCPB's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of First Capital Bancshares's salary, the management and board of directors tenure and is there insider trading?

1.7yrs

Average board tenure


CEO

Frank Cole (66yo)

1.7yrs

Tenure

0

Mr. Frank J. Cole, Jr., has been Chief Executive Officer of First Capital Bancshares, Inc. since February 2018. Mr. Cole has been Chief Executive Officer of First Capital Bank since 2018 and also serves as ...


Board Age and Tenure

1.7yrs

Average Tenure

68yo

Average Age

Experienced Board: FCPB's board of directors are not considered experienced ( 1.7 years average tenure), which suggests a new board.


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Charles Rivers (74yo)

    North Carolina Market President

    • Tenure: 1.7yrs
    • Compensation: US$133.92k
  • Frank Cole (66yo)

    CEO & Director

    • Tenure: 1.7yrs
  • Jim Nance

    Controller & Assistant Financial Officer

    • Tenure: 0yrs
  • Winston Dwyer

    Chief Financial Officer & Principal Accounting Officer

    • Tenure: 0yrs
  • Terri Melton

    VP of Ops

    • Tenure: 0yrs
  • Deanna Sparkman

    Compliance Officer & Compliance Officer of First Capital Bank

    • Tenure: 0yrs

Board Members

  • John McCoy (75yo)

    Director

    • Tenure: 1.7yrs
  • John Russ (72yo)

    Vice Chairman of the Board

    • Tenure: 1.7yrs
  • Harry Howell (50yo)

    Director

    • Tenure: 20.8yrs
  • Harvey Glick (68yo)

    Chairman of the Board

    • Tenure: 1.7yrs
  • Raymond DuBois

    Director

    • Tenure: 1.7yrs
  • Frank Cole (66yo)

    CEO & Director

    • Tenure: 1.7yrs
  • James Mason

    Director

    • Tenure: 11.8yrs
  • Jules Anderson

    Director

    • Tenure: 1.7yrs
  • Mike Robinson

    Director

    • Tenure: 1.7yrs
  • Barry Emerson

    Director

    • Tenure: 1.7yrs

Company Information

First Capital Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: First Capital Bancshares, Inc.
  • Ticker: FCPB
  • Exchange: OTCPK
  • Founded: 1999
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$34.314m
  • Shares outstanding: 5.08m
  • Website: https://www.fcbcarolinas.com

Location

  • First Capital Bancshares, Inc.
  • 207 Highway 15/401 Bypass East
  • Bennettsville
  • South Carolina
  • 29512
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FCPBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 1999

Biography

First Capital Bancshares, Inc. operates as the holding company for First Capital Bank that provides commercial banking services. It accepts various deposit products, including checking and savings accounts ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/18 23:43
End of Day Share Price2019/10/16 00:00
Earnings2010/12/31
Annual Earnings2010/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.