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3.31 (1y: +50%)
Market Cap 39.5 M P/E(ttm)
Enterprise Value 71.64 M P/B 0.70
FCVA- NAS (USA)
First Capital Bancorp, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$3.31
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 3/10

vs
industry		 vs
history
Cash to Debt 1.098
FCVA's Cash to Debt is ranked higher than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. FCVA: 1.098 )
FCVA' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 1.1
Equity to Asset 0.087
FCVA's Equity to Asset is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCVA: 0.087 )
FCVA' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.42
Current: 0.09
0.06
0.42
Interest Coverage No Debt
FCVA's Interest Coverage is ranked higher than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FCVA: No Debt )
FCVA' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 3
Z-Score: 0.14
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry		 vs
history
Operating margin (%) -50.70
FCVA's Operating margin (%) is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. FCVA: -50.70 )
FCVA' s 10-Year Operating margin (%) Range
Min: -108.3   Max: 30.7
Current: -50.7
-108.3
30.7
Net-margin (%) -32.8
FCVA's Net-margin (%) is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. FCVA: -32.8 )
FCVA' s 10-Year Net-margin (%) Range
Min: -108.3   Max: 19.9
Current: -32.8
-108.3
19.9
ROE (%) -12.8
FCVA's ROE (%) is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FCVA: -12.8 )
FCVA' s 10-Year ROE (%) Range
Min: -12.8   Max: 15.6
Current: -12.8
-12.8
15.6
ROA (%) -1.1
FCVA's ROA (%) is ranked higher than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCVA: -1.1 )
FCVA' s 10-Year ROA (%) Range
Min: -2.1   Max: 1.8
Current: -1.1
-2.1
1.8
Revenue Growth (%) 8.3
FCVA's Revenue Growth (%) is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FCVA: 8.3 )
FCVA' s 10-Year Revenue Growth (%) Range
Min: -11.3   Max: 119.5
Current: 8.3
-11.3
119.5
EPS Growth (%) 81.5
FCVA's EPS Growth (%) is ranked lower than
84% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. FCVA: 81.5 )
FCVA' s 10-Year EPS Growth (%) Range
Min: -42.3   Max: 81.5
Current: 81.5
-42.3
81.5
ยป FCVA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

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Ratios

vs
industry		 vs
history
P/B 0.70
FCVA's P/B is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FCVA: 0.70 )
FCVA' s 10-Year P/B Range
Min: 0.15   Max: 2.38
Current: 0.7
0.15
2.38
P/S 1.99
FCVA's P/S is ranked higher than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FCVA: 1.99 )
FCVA' s 10-Year P/S Range
Min: 0.33   Max: 16.67
Current: 1.99
0.33
16.67
EV-to-EBIT 76.9
FCVA's EV-to-EBIT is ranked lower than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. FCVA: 76.9 )
FCVA' s 10-Year EV-to-EBIT Range
Min: 0.6   Max: 250.6
Current: 76.9
0.6
250.6
Shiller P/E 22.8
FCVA's Shiller P/E is ranked lower than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. FCVA: 22.8 )
FCVA' s 10-Year Shiller P/E Range
Min: 5.32   Max: 32.43
Current: 22.8
5.32
32.43

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.8
FCVA's Price/Tangible Book is ranked lower than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCVA: 0.8 )
FCVA' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 2.2
Current: 0.8
0.2
2.2
Price/DCF (Projected) 1.1
FCVA's Price/DCF (Projected) is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. FCVA: 1.1 )
FCVA' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1
Current: 1.1
0.1
1
Price/Median PS Value 1
FCVA's Price/Median PS Value is ranked lower than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCVA: 1 )
FCVA' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 4.4
Current: 1
0.2
4.4
Earnings Yield (Greenblatt) 1.30
FCVA's Earnings Yield (Greenblatt) is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FCVA: 1.30 )
FCVA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 168
Current: 1.3
0.4
168
Forward Rate of Return (Yacktman) 5.91
FCVA's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. FCVA: 5.91 )
FCVA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -10.6   Max: 104
Current: 5.91
-10.6
104

Business Description

First Capital Bancrop, Inc. was incorporated under Virginia law in 2006. It is a bank holding company for First Capital Bank (the Bank). The Bank is a community oriented financial institution that offers a full range of banking and related financial services to small and medium-sized businesses, professionals and individuals located in its market area which consists of the Richmond, Virginia metropolitan area, with a current emphasis on western Henrico County, Chesterfield County, the City of Richmond, the Town of Ashland, and the surrounding vicinity. It offers a full range of deposit services that are typically available in most banks including checking accounts, NOW accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. The transaction accounts and time certificates are tailored to its market area at rates competitive to those offered in the area. In addition, it offers certain retirement account services, such as Individual Retirement Accounts (IRAs). The Bank also offers a full range of short-to-medium term commercial and consumer loans. Commercial loans include both secured and unsecured loans for working capital (including inventory and receivables), business expansion (including acquisition of real estate and improvements) and purchase of equipment and machinery; Consumer loans include secured (and unsecured loans) for financing automobiles, home improvements, education and personal investments. Additionally, it originates fixed and floating-rate mortgage and real estate construction and acquisition loans. Other services it offers include safe deposit boxes, certain cash management services, traveler's checks, direct deposit of payroll and social security checks and automatic drafts for various accounts, selected on-line banking services and a small and medium-sized businesses courier service. It competes as a financial intermediary with other commercial banks, savings and loan associations, credit unions, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market mutual funds and other financial institutions operating in the Richmond metropolitan area and elsewhere. As a bank holding company, the Company is subject to regulation under the Bank Holding Company Act of 1956, as amended, and the examination and reporting requirements of the Board of Governors of the Federal Reserve System.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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