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First Capital Bancshares, Inc (FCPB) Fair Value & Analysis

Financial Services · US · Market cap $120M

Price$12.78
Fair Value$13.08
Upside+2.4%
Quality95/100
Evidence: High Range $9.81 – $16.34

Fair value as of: Jun 26, 2026

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Analysis

First Capital Bancshares, Inc (FCPB) currently trades at $12.78, while our model-based Fair Value estimate is $13.08 — implying the stock looks roughly 2.4% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

First Capital Bancshares, Inc. operates as a holding company for First Capital Bank that provides commercial banking services in the United States. The company offers accounts and products, including checking and savings accounts, other business accounts, individual retirement accounts, certificates of deposit, money market accounts, and student accounts. It 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. In addition, the company offers ATM and visa check cards, safe deposit boxes, credit and debit cards, direct deposits, and after-hours night depositary services; remote deposits capture services; online and mobile banking; bill payment services; and send and receive mo…

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Frequently asked questions

Is First Capital Bancshares, Inc (FCPB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $13.08 versus a price of $12.78 — about +2% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FCPB?
Our 21-model fair value for First Capital Bancshares, Inc is $13.08 (as of Jun 26, 2026), built from audited fundamentals. The current price is $12.78.
What is the quality score of FCPB?
First Capital Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.