Subscribe

First Capital Bancshares, Inc. (FCPB)

USD13.10 +0.24 (+1.87%)
US OTC Financial Services Banks - Regional
Address 304 Meeting Street 29401
Charleston, SC, US
CEO Joseph S. Kassim
IPO 2012-12-31
ISIN US31941G1013

Explore sections of this company profile

Description

First Capital Bancshares, Inc. operates as the parent company for First Capital Bank, which specializes in providing a comprehensive range of commercial banking services. The bank offers a diverse array of deposit products to its customers, encompassing checking and savings accounts, individual retirement accounts (IRAs), certificates of deposit (CDs), and specialized business accounts. Beyond deposits, First Capital Bank extends a broad spectrum of lending options. These include consumer loans such as vehicle, boat, mortgage, RV, construction, and deposit-secured loans. For businesses, they offer commercial real estate, construction, vehicle, equipment, and agricultural loans. Additional financial solutions include overdraft protection for checking accounts, home equity lines of credit, and commercial lines of credit. The institution also facilitates modern banking needs with debit and credit cards, along with robust online and mobile banking platforms. Customers benefit from services like bill payment, mobile check deposit, merchant card processing, and remote deposit capture. Geographically, the bank primarily serves communities within Charleston and Marlboro counties in South Carolina, as well as Scotland and Moore counties in North Carolina. This footprint is augmented by a dedicated loan production office situated in Moore County, North Carolina. Founded in 1997, First Capital Bancshares, Inc. maintains its corporate headquarters in Charleston, South Carolina.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
USD13.10 +0.24 (+1.87%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
3.5K
Beta
0.16
Float Shares
205.0K
Free Float %
36.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +2.04% +3.91% +5.57% +7.20% +18.71% +54.89% +68.92% +110.79% +448.25%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
13.10
DCF (Levered) 29.85 +127.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.14
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +159.5% Q1'26: +155.9% (vs Q1'25)
  • EPS growth
    +75.9% Q1'26: +55.6% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +20.5% (vs Q1'25)
  • ROIC
    Q1'26: +9.4% (vs Q1'25)
  • Share dilution
    +7.6% Q1'26: +8.4% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 5.16× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.16) × ERP
WACC = 58% × Ke + 42% × Kd (35.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 13.10
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-22 B+ 3/5 5/5 3/5 3/5 2/5 2/5 3/5
2026-05-21 B+ 3/5 5/5 3/5 3/5 2/5 2/5 3/5
2026-05-20 B+ 3/5 5/5 3/5 3/5 2/5 2/5 3/5
2026-05-19 B+ 3/5 5/5 3/5 3/5 2/5 2/5 3/5
2026-05-18 B+ 3/5 5/5 3/5 3/5 2/5 2/5 3/5
2026-05-15 B+ 3/5 5/5 3/5 3/5 2/5 2/5 3/5
2026-05-14 B+ 3/5 5/5 3/5 3/5 2/5 2/5 3/5
2026-05-11 B+ 3/5 5/5 3/5 3/5 2/5 2/5 3/5
2026-05-06 B+ 3/5 5/5 3/5 3/5 2/5 2/5 3/5
2026-05-05 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-04 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-04-28 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-04-20 B+ 3/5 5/5 3/5 4/5 2/5 2/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.86M
OE per share TTM
0.29
Owner's Yield
2.29%
Maintenance CapEx ratio
351.23%
Maint CapEx / Avg PPE
22.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
810.5K
Shares Outstanding
564.0K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Charles O. Rivers North Carolina Market President 133.9K male
Andrew Thomas President of New Lowcountry Market male
Barry A. Emerson Secretary & Independent Director male
Harvey L. Glick Executive Chairman male
John Douglass Chief Credit Officer
Joseph S. Kassim CEO, COO & Director male
Laura Johnson Chief Accounting Officer
Alicia Green Chief Technology Officer
Tradd Rodenberg President & Chief Lending Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend history

Earnings reports

Stock splits