FCPB Stock Overview

A holding company for First Capital Bank that provides commercial banking services. More details

FCPB fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	3/6
Financial Health	6/6
Dividends	0/6

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($95M)

Shareholders have been diluted in the past year

My Notes

Capture your thoughts, links and company narrative

First Capital Bancshares, Inc. Competitors

First IC

OTCPK:FIEB

US$93.4m

CNB Bank Shares

OTCPK:CNBN

US$98.9m

Community Bancorp

OTCPK:CMTV

US$96.1m

Adirondack Trust

OTCPK:ADKT

US$88.4m

Price History & Performance

Summary of share price highs, lows and changes for First Capital Bancshares
Historical stock prices
Current Share Price	US$10.40
52 Week High	US$14.45
52 Week Low	US$8.57
Beta	0.084
1 Month Change	-20.00%
3 Month Change	n/a
1 Year Change	15.56%
3 Year Change	15.56%
5 Year Change	42.47%
Change since IPO	4.00%

Recent updates

Shareholder Returns

	FCPB	US Banks	US Market
7D	2.3%	2.1%	0.2%
1Y	15.6%	46.5%	22.0%

Return vs Industry: FCPB underperformed the US Banks industry which returned 46.5% over the past year.

Return vs Market: FCPB underperformed the US Market which returned 22% over the past year.

Price Volatility

Is FCPB's price volatile compared to industry and market?
FCPB volatility
FCPB Average Weekly Movement	n/a
Banks Industry Average Movement	3.9%
Market Average Movement	6.1%
10% most volatile stocks in US Market	18.6%
10% least volatile stocks in US Market	3.1%

Stable Share Price: FCPB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FCPB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1997	n/a	Joe Kassim	www.fcbcarolinas.com

First Capital Bancshares, Inc. is a holding company for First Capital Bank that provides commercial banking services. It offers accounts and products, including checking and savings accounts, other business accounts, individual retirement accounts, certificates of deposit, money market accounts, and student accounts. The company also provides loans that include vehicle and boat loans, RV loans, construction loans, deposit secured loans, overdraft protection for checking accounts, home equity revolving lines of credit, home equity loans, and home improvement loans; residential mortgage loans; commercial real estate loans; commercial lines of credit; equipment loans; and agricultural loans.

First Capital Bancshares, Inc. Fundamentals Summary

How do First Capital Bancshares's earnings and revenue compare to its market cap?
FCPB fundamental statistics
Market cap	US$95.28m
Earnings (TTM)	US$1.64m
Revenue (TTM)	US$7.10m

58.2x

P/E Ratio

1.1x

P/B Ratio

Is FCPB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FCPB income statement (TTM)
Revenue	US$7.10m
Cost of Revenue	US$0
Gross Profit	US$7.10m
Other Expenses	US$5.47m
Earnings	US$1.64m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.18
Gross Margin	100.00%
Net Profit Margin	23.03%
Debt/Equity Ratio	100.8%

How did FCPB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/07 13:03
End of Day Share Price	2025/02/05 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Capital Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

First Capital Bancshares OTCPK:FCPB Stock Report