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First Capital Bancshares Inc (FCPB) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of First Capital Bancshares Inc $7.78, price $14.34, upside -45.8%, quality 31 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US31941G1013

FC First Capital Bancshares Inc logo Some data Sep 24, 2026

First Capital Bancshares Inc

FCPB · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $7.78 · Strongly overvalued (−46%)
!Quality 31/100
!Mixed Growth (revenue YoY +159.5 %/yr)
✓Highly profitable · 30.9% net margin (TTM)
✓Low debt · generates free cash flow
!Mixed vs. peers (6/13)
✓Wide moat 65/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$15.90 $5.26 Fair Value $7.78 Oct 2015 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $5.26 – $15.90 · fair‑value band $7.24 – $8.76 · the $14.34 price screens above the $7.78 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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.

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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.

Stock analysis

First Capital Bancshares Inc (FCPB) currently trades at $14.34, while our model-based Fair Value estimate is $7.78, implying the stock looks roughly 84.4% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $13.08 per share, and 1 of the 4 models we run sit above the $14.34 price.

Bear case: the Asset-Based group reads lowest at $7.03, and 3 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $7.24 (bear) to $8.76 (bull), the price of $14.34 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 31/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

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. FY2021 was a trough year, so the rate overstates the trend.

Key figures

Market cap $164M · P/E ratio 13.9 · P/S ratio 1.95 · EPS (TTM) $1.03 · Net margin 14.0% · Return on equity 11.4% · Return on assets (EBIT) 0.7% · Operating margin 39.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 28% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −46%, FCPB screens richer than that median.

Fair Value models

Bear $7.24 Fair Value $7.78 Bull $8.76
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.7535 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income $8.19 $8.67 $9.35 68
P/E Multiple $9.81 $13.08 $16.34 63
P/B Multiple $11.02 $14.70 $18.37 55
All 4 models by family
Multiples
P/E Multiple $9.81 $13.08 $16.34 63
P/B Multiple $11.02 $14.70 $18.37 55
Asset-Based
NCAV (Graham) $5.25 $7.03 $10.50 54
Economic Profit
Residual Income $8.19 $8.67 $9.35 68

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Quality Score breakdown

Overall quality 31/100

Of which business quality 27 · Market factors (momentum, volatility) 76

Profitability 27
Margins and returns on capital today
Quality Growth 44
Are margins and returns improving?
Cashflow 47
Earnings quality: real cash, not paper profit
Fin. Strength 14
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 97
Calm price path (market factor)
Momentum 62
Price trend over the last 3–12 months (market factor)
52W Momentum 78
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+38.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+38.4%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.11% → 18%
2025 sits 102% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+14.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +11.7% a year for the price.

FCPB screens 84% overvalued. Compare with DBS Group →

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Peer Groupⓘ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.Banks - Regional · 1076 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 29 · Bottom 25%
Fair Value upside −46% · Bottom 25%
Profitability
Return on equity (TTM) 11% · Above median
Return on assets 1% · Above median
Net margin (TTM) 31% · Above median
Operating margin (TTM) 40% · Above median
Growth and dividend
Revenue growth 29% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 13.9× · Pricier than median
P/B 1.64× · Priciest 25%
P/S (TTM) 4.21× · Pricier than median
P/FCF 29.4× · Priciest 25%
EV/EBITDA 9.7× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 11
FUTURE (revenue growth)100 · sector 45
PAST (return on equity)45 · sector 41
HEALTH (low debt)100 · sector 85
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

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

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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First Capital Bancshares Inc · Fair Value
$7.78 −84%Fair Value
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Cite: Fair Value Calculator (2026). "First Capital Bancshares Inc Fair Value". https://www.fairvalue-calculator.com/stock/FCPB

Frequently asked questions

Is First Capital Bancshares Inc (FCPB) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $7.78 versus a price of $14.34, about −46% upside (overvalued).
What is the fair value of FCPB?
Our model-based fair value for First Capital Bancshares Inc is $7.78 (as of Sep 24, 2026), built from audited fundamentals. The current price: $14.34.
What is the quality score of FCPB?
First Capital Bancshares Inc has a Quality Score of 31/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for First Capital Bancshares Inc (FCPB)?
Our model-based price target is the fair value of $7.78 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $7.24, optimistic scenario $8.76. It is a calculation from audited fundamentals, not an analyst target.
What is the First Capital Bancshares Inc stock forecast for 2026?
Our models put fair value at $7.78, about −46% upside versus a price of $14.34 (overvalued). Cautious scenario $7.24, optimistic scenario $8.76. The calculation is refreshed regularly with new filings.
What is the revenue of First Capital Bancshares Inc (FCPB)?
First Capital Bancshares Inc reported trailing-twelve-month revenue of about $39.0M (latest available figure, as of Sep 24, 2026).
What growth is priced into First Capital Bancshares Inc (FCPB)?
For today's price to be fair in a discounted-cash-flow model, First Capital Bancshares Inc would have to grow free cash flow by +14.3 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +48.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of FCPB use?
Our models discount First Capital Bancshares Inc at 11.2 %: a base by market capitalisation (micro), damped by beta 0.16, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For First Capital Bancshares Inc that is +14.3 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has First Capital Bancshares Inc (FCPB) delivered so far?
Over the past 5 years revenue at First Capital Bancshares Inc grew +48.4 % a year. The price currently implies +14.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of First Capital Bancshares Inc (FCPB) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into First Capital Bancshares Inc (+14.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of First Capital Bancshares Inc (FCPB)?
The free-cash-flow yield on the price is 3.40 %: that much free cash flow First Capital Bancshares Inc produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of First Capital Bancshares Inc (FCPB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For First Capital Bancshares Inc it is $7.78 per share (as of Sep 24, 2026), against a price of $14.34. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is First Capital Bancshares Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FCPB trades above its calculated fair value: price $14.34, fair value $7.78, a gap of about −46% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FCPB?
No. The price is what the market pays today ($14.34); the fair value is what the company's own numbers justify ($7.78). For First Capital Bancshares Inc the two are $6.56 per share apart. That gap is exactly why we show both numbers side by side.
How much is First Capital Bancshares Inc worth?
The market values First Capital Bancshares Inc at about $164M (market capitalisation, as of Sep 24, 2026). Per share that is $14.34; our models calculate a fair value of $7.78 per share.
What do the bullish and bearish scenarios say about FCPB?
Our models span a range for First Capital Bancshares Inc: cautious scenario $7.24, base $7.78, optimistic $8.76 per share (as of Sep 24, 2026, price $14.34). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FCPB?
First Capital Bancshares Inc trades at a price-to-earnings ratio of 13.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.78 is built from several models across several years. Other multiples: P/B 1.6, P/S 4.2, EV/EBITDA 9.7.
How solid is the balance sheet of First Capital Bancshares Inc (FCPB)?
Balance-sheet figures for First Capital Bancshares Inc (as of Sep 24, 2026): return on equity 11.4%. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is FCPB from its 52-week high?
First Capital Bancshares Inc trades at $14.34, at its 52-week high of $14.35 and 28% above the low of $11.20 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $7.78 is for.
Which stocks are comparable to First Capital Bancshares Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is First Capital Bancshares Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $14.34, calculated fair value $7.78 (−46%), Quality Score 31/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FCPB calculated?
We run First Capital Bancshares Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $7.78, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. First Capital Bancshares Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of First Capital Bancshares Inc (FCPB)?
The closing price on Sep 23, 2026 was $14.34. Our model-based fair value is $7.78, about −46% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with First Capital Bancshares Inc right now?
The price sits above even our optimistic bull case ($8.76). The favourable scenario is already priced in. Weak quality (31/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of First Capital Bancshares Inc

How large is the market capitalisation of First Capital Bancshares Inc (FCPB)?
The market capitalisation of First Capital Bancshares Inc is $164M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of First Capital Bancshares Inc (FCPB)?
The price-to-sales ratio of First Capital Bancshares Inc is 1.95 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of First Capital Bancshares Inc (FCPB)?
Earnings per share at First Capital Bancshares Inc are $1.03 (price ÷ EPS = P/E 13.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of First Capital Bancshares Inc (FCPB)?
The net margin of First Capital Bancshares Inc is 14.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of First Capital Bancshares Inc (FCPB)?
The return on equity (ROE) of First Capital Bancshares Inc is 11.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of First Capital Bancshares Inc (FCPB)?
On an EBIT basis the return on assets of First Capital Bancshares Inc is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of First Capital Bancshares Inc (FCPB)?
The operating margin of First Capital Bancshares Inc is 39.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at First Capital Bancshares Inc (FCPB)?
Revenue at First Capital Bancshares Inc is growing +29.2% versus a year earlier (3y avg +51.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at First Capital Bancshares Inc (FCPB)?
Earnings per share at First Capital Bancshares Inc are growing +44.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does First Capital Bancshares Inc (FCPB) carry?
The net debt of First Capital Bancshares Inc is $43.8M (fiscal year 2025, ≈ 7.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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