1st Capital Bancorp (FISB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
1st Capital Bancorp (FISB) trades at $14.00 with AI Score 55/100 (Grade B). 1st Capital Bancorp, founded in 2007, operates as the holding company for 1st Capital Bank, providing banking products and services in the Central Coast region of California. Market cap: $78.48M, Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for FISB: FISB 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 FISB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FISB: 2/6 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →1st Capital Bancorp (FISB) Financial Services Profile
1st Capital Bancorp is a regional bank holding company operating in California's Central Coast, providing specialized banking services to businesses, real estate investors, and individuals. With a focus on relationship banking and local market expertise, the company competes with larger regional and national banks while navigating the evolving fintech landscape.
What Is the Investment Thesis for FISB?
1st Capital Bancorp presents a focused investment opportunity within the California Central Coast regional banking sector. With a market capitalization of $78.48M and a P/E ratio of 21.87, the company demonstrates profitability, supported by a gross margin of 100.0% and a profit margin of 8.6%. Growth catalysts include expansion of its lending portfolio in the agriculture and wine industries, coupled with increased adoption of its digital banking services. Key risks involve navigating the competitive landscape against larger banks and adapting to evolving regulatory requirements. The company's beta of 0.64 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
FISB Key Highlights
- Market capitalization of $78.48M, indicating a smaller-cap regional bank.
- P/E ratio of 21.87, reflecting the valuation relative to its earnings.
- Profit margin of 8.6%, demonstrating profitability in its operations.
- Gross margin of 100.0%, suggesting efficient management of its interest income and expenses.
- Beta of 0.64, indicating lower volatility compared to the overall market.
Who Are FISB's Competitors?
FISB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BHWB Blackhawk Bancorp, Inc. | $33.35 | -0.45% | $96.57M | 49 |
| CCVS Citizens Commerce Bancshares, Inc. | $15.50 | +0.00% | $61.82M | 46 |
| CFGW Community Financial Group, Inc. | $44.00 | +8.51% | $67.99M | 59 |
| CNUN Community Bancshares, Inc. | $75.00 | +0.00% | $98.09M | 46 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FISB's Key Strengths?
- Strong local presence in the Central Coast region.
- Expertise in agriculture and wine industry lending.
- Personalized customer service.
- Established relationships with local businesses.
What Are FISB's Weaknesses?
- Smaller size compared to larger regional and national banks.
- Limited geographic diversification.
- Dependence on the Central Coast economy.
- OTC market listing may limit investor access.
What Could Drive FISB Stock Higher?
- Expansion of lending portfolio in the agriculture and wine industries.
- Increased adoption of digital banking services.
- Strategic partnerships with fintech companies to enhance product offerings.
- Potential expansion into new geographic markets within California (2027-2028).
- Continued focus on Small Business Administration (SBA) lending.
What Are the Key Risks for FISB?
- Financial-distress signal — its Altman Z-Score of -0.48 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Competition from larger banks and credit unions.
- Economic downturn in the Central Coast region.
- Rising interest rates impacting lending profitability.
- Increasing regulatory requirements and compliance costs.
- Limited liquidity due to OTC market listing.
What Are the Growth Opportunities for FISB?
- Expansion in Agriculture and Wine Industry Lending: 1st Capital Bancorp has a significant opportunity to grow its lending portfolio within the agriculture and wine industries in the Central Coast region. These sectors are vital to the local economy, with a market size estimated at several billion dollars annually. By offering specialized financing solutions and leveraging its local expertise, the company can capture a larger share of this market. Timeline: Ongoing.
- Increased Adoption of Digital Banking Services: The company can drive growth by increasing the adoption of its online and mobile banking services. As customers increasingly prefer digital channels, 1st Capital Bancorp can invest in enhancing its digital platform and promoting its convenience and accessibility. This can lead to increased customer engagement and reduced operational costs. The market for digital banking is expanding rapidly, with double-digit growth rates expected in the coming years. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: 1st Capital Bancorp can explore strategic partnerships with fintech companies to enhance its product offerings and customer experience. By collaborating with fintech firms, the company can offer innovative solutions such as mobile payments, online lending, and automated financial planning. This can help attract new customers and retain existing ones. The fintech market is experiencing rapid growth, with numerous opportunities for collaboration and innovation. Timeline: Ongoing.
- Expansion into New Geographic Markets within California: 1st Capital Bancorp can consider expanding its branch network into new geographic markets within California, particularly in areas with strong economic growth and a need for community banking services. This can help diversify its revenue streams and reduce its reliance on the Central Coast region. Market research and due diligence are essential to identify attractive expansion opportunities. Timeline: 2027-2028.
- Focus on Small Business Administration (SBA) Lending: 1st Capital Bancorp can further develop its SBA lending program to support small businesses in its service area. SBA loans offer attractive terms and guarantees, making them a valuable financing option for small businesses. By actively promoting its SBA lending program and building relationships with local business organizations, the company can increase its loan volume and support economic development in the community. Timeline: Ongoing.
What Opportunities Does FISB Have?
- Expansion into new geographic markets within California.
- Increased adoption of digital banking services.
- Strategic partnerships with fintech companies.
- Growth in SBA lending.
What Threats Does FISB Face?
- Competition from larger banks and credit unions.
- Economic downturn in the Central Coast region.
- Rising interest rates.
- Increasing regulatory requirements.
What Are FISB's Competitive Advantages?
- Strong local presence and brand recognition in the Central Coast region.
- Established relationships with businesses and individuals in the community.
- Expertise in lending to the agriculture and wine industries.
- Personalized customer service and relationship banking approach.
What Does FISB Do?
1st Capital Bancorp, established in 2007, serves as the parent company for 1st Capital Bank. The bank delivers a comprehensive suite of financial products and services tailored to businesses, professionals, real estate investors, family commercial entities, and individuals within the Central Coast region of California. Its offerings encompass a variety of deposit accounts, including checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. Lending solutions include consumer loans, business loans, agricultural and wine industry financing, and commercial real estate loans. The bank also provides personal loans for business owners, as well as Small Business Administration (SBA) and government-guaranteed lending options. Beyond traditional banking services, 1st Capital Bancorp invests in securities and offers online, mobile, and telephone banking platforms. It also provides advanced services such as remote check scanning, remote branch deposit, electronic bill payment, remote ACH origination, and remote wire transfer requests, complemented by cash management services. The company operates through full-service branch offices located in Monterey, Salinas, King City, San Luis Obispo, and Santa Cruz, emphasizing a local, relationship-focused approach to banking. Since its inception, 1st Capital Bancorp has been committed to supporting the financial needs of the Central Coast community.
What Products and Services Does FISB Offer?
- Provides banking products and services to businesses, professionals, real estate investors, and individuals.
- Offers checking, savings, money market, and individual retirement accounts.
- Provides business, agriculture, and commercial real estate lending.
- Offers personal loans for business owners.
- Provides Small Business Administration (SBA) and government guaranteed lending solutions.
- Invests in securities.
- Offers online, mobile, and telephone banking services.
- Provides cash management services.
How Does FISB Make Money?
- Generates revenue from interest income on loans.
- Earns fees from banking services such as account maintenance and transactions.
- Invests in securities to generate additional income.
- Manages expenses related to operations, personnel, and technology.
What Industry Does FISB Operate In?
1st Capital Bancorp operates within the competitive regional banking sector in California. The industry is characterized by increasing consolidation, technological disruption, and evolving regulatory requirements. Regional banks like 1st Capital Bancorp face competition from larger national banks, credit unions, and fintech companies. Market trends include a growing demand for digital banking services and specialized lending products tailored to local industries such as agriculture and wine. The company's focus on the Central Coast region allows it to leverage local market knowledge and build strong customer relationships.
Who Are FISB's Key Customers?
- Businesses in the Central Coast region of California.
- Professionals such as doctors, lawyers, and accountants.
- Real estate investors.
- Family commercial entities.
- Individuals residing in the Central Coast region.
Company Profile
1st Capital Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Salinas, US. The company is led by CEO Samuel D. Jimenez CPA. FISB has traded publicly since 2007.
1st Capital Bancorp (FISB) Valuation Context
Valued at $78.48M, FISB is classified as a micro-cap stock. Relative to its peer group, FISB's quantitative score of 55/100 is roughly in line with the peer average of 54/100.
ROE 6%Key Financial Metrics
Return on equity for 1st Capital Bancorp stands at 5.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. FISB trades at a trailing price-to-earnings ratio of 21.87, above the Financial Services sector average of ~18x. Its free cash flow yield is 13.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.06 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.6%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 3/9Financial Health
1st Capital Bancorp's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.48 places it in the distress zone, a signal of elevated financial risk.
FISB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the bank's future, reflecting a positive outlook from leadership.
- Community sentiment has shifted positively, with discussions highlighting strong local market positioning and customer loyalty.
- The bank's commitment to expanding its services has resonated well with investors, indicating growth potential.
- Recent regulatory changes may favor smaller banks, enhancing competitive advantages for 1st Capital Bancorp.
Bear Case
- Concerns about economic headwinds in the regional banking sector have led to cautious sentiment among investors.
- Some community members express skepticism about the bank's ability to scale operations effectively in a competitive landscape.
- Recent discussions indicate worries about potential loan defaults, which could impact profitability.
- Market perception remains cautious due to broader economic uncertainties affecting the banking industry.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FISB Latest News
No recent news available for FISB.
FISB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FISB.
Price Targets
Wall Street price target analysis for FISB.
FISB MoonshotScore
What does this score mean?
The MoonshotScore rates FISB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Samuel D. Jimenez CPA
Unknown
Samuel D. Jimenez is the managing leader of 1st Capital Bancorp, overseeing a team of 40 employees. His background as a Certified Public Accountant (CPA) brings a strong financial acumen to the company's leadership. Additional details regarding his career history, education, and previous roles are not available in the provided data.
Track Record: Details regarding Samuel D. Jimenez's specific achievements, strategic decisions, and company milestones during his tenure are not available in the provided data. His leadership is reflected in the company's operations within the Central Coast region of California.
FISB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that 1st Capital Bancorp may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may be subject to less regulatory oversight compared to companies listed on major exchanges like the NYSE or NASDAQ. Investing in OTC Other stocks carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure may hinder informed investment decisions.
- Lower trading volume can lead to price volatility and difficulty in exiting positions.
- OTC Other stocks may be subject to less regulatory oversight.
- Potential for fraud or manipulation is higher compared to exchange-listed stocks.
- Availability of company information may be limited.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's liquidity and trading volume.
- Consult with a financial advisor to understand the risks involved.
- Confirm the company's legal standing and compliance with regulations.
- Check for any history of fraud or regulatory violations.
- Operating history since 2007 suggests a degree of stability.
- Presence of full-service branch offices in multiple locations.
- Focus on serving businesses and individuals in the Central Coast region.
- Membership in relevant industry associations (if any).
- Positive customer reviews and testimonials (if available).
Common Questions About FISB (Financial Services)
What does 1st Capital Bancorp do?
1st Capital Bancorp operates as the bank holding company for 1st Capital Bank, providing a range of banking products and services to businesses, professionals, real estate investors, and individuals in the Central Coast region of California. Its offerings include deposit accounts, lending solutions (including commercial, agricultural, and SBA loans), online and mobile banking, and cash management services. The company focuses on relationship banking and serving the unique needs of its local market.
What are the main risks for FISB?
1st Capital Bancorp faces several risks, including competition from larger banks and credit unions, potential economic downturns in the Central Coast region, and rising interest rates that could impact lending profitability. As an OTC-listed stock, FISB also faces risks related to limited liquidity and financial disclosure. Increasing regulatory requirements and compliance costs pose additional challenges. Investors should carefully assess these risks before investing.
What are the key factors to evaluate for FISB?
1st Capital Bancorp (FISB) holds an AI score of 55/100 (moderate). Not financial advice.
How frequently does FISB data refresh on this page?
FISB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FISB's recent stock price performance?
1st Capital Bancorp (FISB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in the Central Coast region. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FISB overvalued or undervalued right now?
Valuing 1st Capital Bancorp (FISB) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying FISB?
Before investing in 1st Capital Bancorp (FISB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding FISB to a portfolio?
Key strength of 1st Capital Bancorp (FISB): Strong local presence in the Central Coast region. Weigh rewards against risks and diversify. Not financial advice.
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.
- Financial data is based on the information provided and may not be fully comprehensive.
- AI analysis is pending and not included in this report.
- OTC market data may be less reliable than exchange-listed data.