First Capital Bancshares, Inc. (FCPB) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 12.18 means the share price is 12.18 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $8.04M is the value of all shares combined. Beta 0.19: the stock has moved about 81% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 17, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerFirst Capital Bancshares, Inc. (FCPB) trades at $14.25. First Capital Bancshares, Inc. is a bank holding company operating primarily in South Carolina and North Carolina. Market cap: $8.04M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for FCPB: FCPB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FCPB against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
FCPB: 1/2 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
First Capital Bancshares, Inc. (FCPB) Financial Services Profile
First Capital Bancshares, Inc., operating as First Capital Bank, provides commercial banking services across South Carolina and North Carolina. With a focus on deposit products and various loan types, the company serves individuals and businesses, leveraging online and mobile banking solutions within a competitive regional banking landscape, demonstrating a modest profit margin of 17.4%.
What Is the Investment Thesis for FCPB?
First Capital Bancshares, Inc. presents a focused investment opportunity within the regional banking sector. With a market capitalization of $8.04M and a P/E ratio of 12.18, the company demonstrates a relatively stable financial profile, further supported by a low beta of 0.19. The company's 17.4% profit margin indicates efficient operations. Growth catalysts include expanding its loan portfolio and enhancing its digital banking services to attract a broader customer base. However, investors may want to evaluate the risks associated with operating in a competitive regional banking market and the potential impact of interest rate fluctuations on profitability. The absence of a dividend yield may deter some investors seeking immediate income.
Based on FMP financials and quantitative analysis
FCPB Key Highlights
Market capitalization of $8.04M indicates a small-cap regional bank.
- P/E ratio of 12.18 suggests a potentially reasonable valuation compared to earnings.
- Profit margin of 17.4% demonstrates operational efficiency.
- Gross margin of 59.9% reflects strong revenue management.
- Low beta of 0.19 indicates lower volatility compared to the overall market.
Who Are FCPB's Competitors?
FCPB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| ABBB Auburn Bancorp, Inc. | $10.75 | 0.00% | $5.41M | — |
| FNFI First Niles Financial, Inc. | $8.92 | -0.34% | $9.93M | — |
| FSGB 1st Federal Savings Bank of SC, Inc. | $10.90 | 0.00% | $11.0M | — |
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
| BPRN Princeton Bancorp, Inc. | $43.64 | +0.11% | $297M | 905-pillar |
| CFFI C&F Financial Corporation | $94.46 | +0.90% | $307M | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FCPB's Key Strengths?
Strong presence in local communities.
- Diversified loan portfolio.
- Personalized customer service.
- Experienced management team.
What Are FCPB's Weaknesses?
Limited geographic reach.
- Small market capitalization.
- Dependence on local economy.
- Lack of dividend yield.
What Could Drive FCPB Stock Higher?
Potential expansion into new geographic markets within the Carolinas by Q4 2026.
- Continued growth in digital banking adoption among customers.
- Strategic partnerships with fintech companies to enhance service offerings.
What Are the Key Risks for FCPB?
Financial-distress signal — its Altman Z-Score of 0.19 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger regional and national banks.
- Economic downturn in the Carolinas impacting loan performance.
- Interest rate fluctuations affecting net interest margin.
- Regulatory compliance costs impacting profitability.
What Are the Growth Opportunities for FCPB?
- Expansion of Digital Banking Services: Investing in and expanding digital banking services presents a significant growth opportunity. As consumers increasingly prefer online and mobile banking, enhancing these platforms can attract new customers and improve customer retention. The market for digital banking is projected to reach $9 trillion by 2028, offering a substantial addressable market for First Capital Bank. Timeline: Ongoing.
- Strategic Loan Portfolio Diversification: Diversifying the loan portfolio into specialized areas such as renewable energy or healthcare can unlock new revenue streams. These sectors are experiencing rapid growth and offer higher margins compared to traditional lending. The market for green loans is expected to reach $500 billion by 2027, providing a substantial opportunity. Timeline: 2-3 years.
- Geographic Expansion within the Carolinas: Expanding operations into adjacent counties within South Carolina and North Carolina can increase the bank's customer base and market share. Identifying underserved markets with strong economic growth potential is crucial for successful expansion. The population in the Carolinas is projected to grow by 10% over the next five years, creating new opportunities. Timeline: 3-5 years.
- Enhancing Commercial Lending to Small Businesses: Focusing on providing tailored commercial lending solutions to small businesses in its operating regions can drive loan growth. Small businesses often require specialized financing options, creating a niche market for regional banks. The market for small business loans is expected to reach $1 trillion by 2026. Timeline: Ongoing.
- Partnerships with Fintech Companies: Collaborating with fintech companies to offer innovative financial products and services can enhance the bank's competitive edge. These partnerships can provide access to new technologies and customer segments. Timeline: 1-2 years.
What Are FCPB's Competitive Advantages?
- Established presence in local communities.
- Personalized customer service.
- Knowledge of local markets.
- Relationship-based banking approach.
What Does FCPB Do?
First Capital Bancshares, Inc., established in 1997, functions as the holding company for First Capital Bank, a commercial bank offering a range of financial services. The bank's core business revolves around accepting deposits and providing loans to individuals and businesses. Its deposit products include checking and savings accounts, individual retirement accounts, and certificates of deposit. The loan portfolio is diversified, featuring vehicle, boat, mortgage, RV, construction, and deposit secured loans, as well as commercial real estate, construction, vehicle, equipment, and agricultural loans. First Capital Bank also offers overdraft protection, home equity lines of credit, and commercial lines of credit. To enhance customer convenience, First Capital Bank provides debit and credit cards, online and mobile banking services, bill payment, mobile deposit, merchant card services, and remote deposit capture. The bank's operational footprint is concentrated in Charleston and Marlboro counties in South Carolina, and Scotland and Moore counties in North Carolina. It also maintains a loan production office in Moore County, North Carolina. Headquartered in Charleston, South Carolina, First Capital Bancshares, Inc. aims to serve the financial needs of its local communities through personalized service and a comprehensive suite of banking products.
What Products and Services Does FCPB Offer?
- Accepts deposits from individuals and businesses.
- Provides vehicle, boat, mortgage, and RV loans.
- Offers commercial real estate, construction, and equipment loans.
- Provides agricultural loans.
- Offers online and mobile banking services.
- Provides debit and credit cards.
- Provides merchant card services.
How Does FCPB Make Money?
- Generates revenue from interest earned on loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through diversification of loan portfolio.
- Focuses on serving local communities in the Carolinas.
What Industry Does FCPB Operate In?
First Capital Bancshares, Inc. operates within the competitive regional banking sector. This sector is characterized by institutions focusing on specific geographic areas and customer segments. The industry is influenced by factors such as interest rate changes, regulatory requirements, and technological advancements. Competitors include other regional banks and credit unions that offer similar financial services. The regional banking sector is expected to grow modestly, driven by increasing demand for local banking services and small business lending. First Capital Bancshares, Inc. must differentiate itself through superior customer service, innovative products, and efficient operations to maintain and grow its market share.
Who Are FCPB's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans.
- Farmers needing agricultural financing.
- Real estate developers seeking construction loans.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 44 |
| 2026-08-26 | 44 |
| 2026-08-29 | 44 |
| 2026-09-01 | 44 |
| 2026-09-04 | 44 |
| 2026-09-07 | 44 |
| 2026-09-10 | 44 |
What changed?
The score has stayed at 44.
Over the same 18 days the stock moved -0.6%.
First Capital Bancshares, Inc. (FCPB) Valuation Context
Valued at $8.04M, FCPB is classified as a micro-cap stock.
FCPB Revenue & Earnings Trend
In Q2 FY2026, FCPB generated $20.3M in top-line revenue, marking a sequential increase of 7.6%. The company recorded net income of $3.3M, with diluted EPS of $0.29. Quarter-over-quarter revenue has been mixed, typical for a unknown company operating in Financial Services. Across the four most recent quarters, FCPB averaged $0.28 in diluted EPS.
Company Profile
First Capital Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Charleston, US. The company is led by CEO Joseph S. Kassim. FCPB has traded publicly since 2012.
Key Financial Metrics
Return on equity for First Capital Bancshares, Inc. stands at 11.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. FCPB trades at a trailing price-to-earnings ratio of 12.18, below the Financial Services sector average of ~17.50x. Its earnings yield is 7.6%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
First Capital Bancshares, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.19 places it in the distress zone, a signal of elevated financial risk.
FCPB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong presence in local communities.
- Diversified loan portfolio.
- Personalized customer service.
- Experienced management team.
Bear Case
- Limited geographic reach.
- Small market capitalization.
- Dependence on local economy.
- Lack of dividend yield.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $20M | $3M | $0.29 |
| Q1 FY2026 | $19M | $3M | $0.28 |
| Q4 FY2025 | $19M | $3M | $0.30 |
| Q3 FY2025 | $18M | $3M | $0.25 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis
FCPB Latest News
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First Capital Bank Elects Elizabeth Krawcheck Rodgers to Board of Directors
gurufocus.com · Jul 21, 2026
FCPB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for FCPB.
Price Targets
Wall Street price target analysis for FCPB.
FCPB MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for FCPB; grades run from A+ (80-100) to F (below 30).
Leadership: Joseph S. Kassim
CEO
Joseph S. Kassim serves as the CEO of First Capital Bancshares, Inc., bringing extensive experience in the financial services industry. His background includes various leadership roles in community banking and financial management. Kassim's expertise spans strategic planning, risk management, and operational efficiency. He is responsible for overseeing the overall performance and strategic direction of the company, ensuring sustainable growth and profitability. His leadership is focused on maintaining strong customer relationships and fostering a culture of innovation and excellence within the organization.
Track Record: Under Joseph S. Kassim's leadership, First Capital Bancshares, Inc. has focused on expanding its digital banking capabilities and strengthening its presence in local markets. Key achievements include improving customer satisfaction scores and increasing loan portfolio diversification. Kassim has also overseen the implementation of new risk management strategies to mitigate potential financial risks. His tenure has been marked by a commitment to sustainable growth and community engagement.
FCPB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that First Capital Bancshares, Inc. may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited reporting requirements and may not be subject to the same level of scrutiny as those on major exchanges like the NYSE or NASDAQ. This tier is typically associated with higher risk due to the potential for less transparency and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower trading volume can lead to price volatility.
- Wider bid-ask spreads can increase transaction costs.
- Potential for delisting or trading suspension.
- Higher risk of fraud or manipulation.
- Verify the company's registration and regulatory filings.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Monitor trading volume and price movements.
- Consult with a financial advisor.
- Understand the risks associated with OTC investing.
- Established presence in local communities.
- Positive customer reviews and testimonials.
- Experienced management team.
- Compliance with regulatory requirements.
- Active engagement with investors.
What Investors Ask About First Capital Bancshares, Inc. (FCPB) — Financial Services
Is FCPB a good stock?
Stock Expert AI does not rate FCPB buy, sell or hold. First Capital Bancshares, Inc. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What are the main risks for FCPB?
The main risks for First Capital Bancshares, Inc. include increased competition from larger regional and national banks, which could erode market share.
What are the key factors to evaluate for FCPB?
Evaluate FCPB on fundamentals, analyst consensus, and risk factors. P/E: 12.18x vs the S&P 500's ~20-25x. The absence of a dividend yield may deter some investors seeking immediate income. Not financial advice.
How frequently does FCPB data refresh on this page?
FCPB's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FCPB's recent stock price performance?
First Capital Bancshares, Inc. (FCPB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in local communities. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FCPB overvalued or undervalued right now?
First Capital Bancshares, Inc. (FCPB) trades at 12.18x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of FCPB?
Yes, most major brokerages offer fractional shares of First Capital Bancshares, Inc. (FCPB) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track FCPB's earnings and financial reports?
First Capital Bancshares, Inc. (FCPB) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for FCPB earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.