FCPB (First Capital Bancshares) Net Loan: $978.64 Mil (As of Dec. 2025)


FCPB First Capital Bancshares Inc FCPB
63 GF Score
Price $12.85
GF Value $13.39
Valuation Fairly Valued
! 4 Warning Signs
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What is First Capital Bancshares Net Loan?

First Capital Bancshares FCPB 63 Net Loan is $978.64 Mil as of Dec. 2025. GuruFocus rates FCPB with a GF Score™ of 63/100 and a GF Value™ of $13.39 (Fairly Valued). The stock has 4 warning signs investors should review.

First Capital Bancshares's quarterly net loan increased from Dec. 2023 ($673.08 Mil) to Dec. 2024 ($830.02 Mil) and increased from Dec. 2024 ($830.02 Mil) to Dec. 2025 ($978.64 Mil).

First Capital Bancshares's annual net loan increased from Dec. 2023 ($673.08 Mil) to Dec. 2024 ($830.02 Mil) and increased from Dec. 2024 ($830.02 Mil) to Dec. 2025 ($978.64 Mil).

First Capital Bancshares Net Loan Historical Data

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The historical data trend for First Capital Bancshares's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Capital Bancshares Net Loan Chart

First Capital Bancshares Annual Data
Trend Dec99 Dec00 Dec01 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 267.27 476.18 673.08 830.02 978.64

First Capital Bancshares Semi-Annual Data
Dec99 Dec00 Dec01 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only 267.27 476.18 673.08 830.02 978.64
FCPB
63GF Score
First Capital Bancshares Inc FCPB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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First Capital Bancshares Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $978.64 Mil mean?
First Capital Bancshares (FCPB) has a Net Loan of $978.64 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on First Capital Bancshares and its competitors.
Is First Capital Bancshares' Net Loan too high?
First Capital Bancshares' current Net Loan is $978.64 Mil. Overall, First Capital Bancshares has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Capital Bancshares' Net Loan compare to CTUY and BBNA?
First Capital Bancshares' Net Loan of $978.64 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on First Capital Bancshares and its competitors. First Capital Bancshares's current Net Loan is $978.64 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Capital Bancshares stock overvalued right now?
Based on GuruFocus' analysis, First Capital Bancshares (FCPB) is currently considered Fairly Valued. The stock's GF Value™ is $13.39, compared to a current price of $12.85 — trading 4% below its estimated fair value. The current Net Loan is $978.64 Mil. First Capital Bancshares' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For First Capital Bancshares (FCPB), the current Net Loan is $978.64 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Capital Bancshares (FCPB) Overvalued in 2026?

Based on GuruFocus' analysis, First Capital Bancshares stock appears to be undervalued. The current stock price of $12.85 is trading 4% below its estimated GF Value™ of $13.39. GuruFocus considers First Capital Bancshares to be Fairly Valued.

Key valuation signals for FCPB:

  • Net Loan: $978.64 Mil
  • GF Value™: $13.39 vs. price of $12.85 (4% below fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the FCPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Capital Bancshares Business Description

Address 304 Meeting Street, Charleston, SC, USA, 29401
First Capital Bancshares Inc provides banking services to domestic markets. It provides commercial banking services and accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, money market accounts, and student accounts. The Company provides vehicle, boat, RV, construction, deposit secured, home equity, residential mortgage, commercial real estate, equipment, and agricultural loans, as well as commercial lines of credit and overdraft protection for checking accounts. It also offers ATM and Visa check cards, safe deposit boxes, credit cards, direct deposits, and after-hours night depositary services.
63GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.85
Price
$13.39
GF Value