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

Financial Services · US · Market cap $120M

Below-average quality, currently priced close to our fair value.

What matters now

• The price sits close to our fair value, market and models broadly agree here, little valuation tension.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $5.26 – $15.90 · fair‑value band $9.81 – $16.34 · the $13.49 price screens above the $13.08 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

First Capital Bancshares, Inc (FCPB) currently trades at $13.49, while our model-based Fair Value estimate is $13.08, implying the stock looks roughly 3.0% fairly valued today. The Quality Score stands at 31/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, First Capital Bancshares, Inc generated revenue of $36.6M at a net margin of 29.6%. Revenue grew 33.3% year over year. It earns a return on equity of 10.5%. Net debt stands at $43.8M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $9.81 (bear case) to $16.34 (bull case); at $13.49, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 30% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -3%, FCPB screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($13.08) versus Dividend Discount ($0.0100). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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 money services through Zelle platform. It operates in Charleston County, South Carolina, Moore County, and North Carolina. The company was formerly known as First Federal Bancshares Corporation. First Capital Bancshares, Inc. was incorporated in 1997 and is headquartered in Charleston, South Carolina.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

First Capital Bancshares, Inc reported revenue of $68.2M in FY2025 versus $11.8M in FY2021, a compound +55.1%/yr. Reported net income was $9.6M in FY2025, compounding +88.9%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

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.