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First Capital BancsharesFCPB 62 Debt-to-Equity is 0.93 as of Dec. 2025, which is 7% above its 10-year median of 0.87. GuruFocus rates FCPB with a GF Score™ of 62/100 and a GF Value™ of $13.42 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,425 Banks companies, First Capital Bancshares ranks worse than 65.82% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for First Capital Bancshares's Debt-to-Equity or its related term are showing as below:
FCPB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.37 Med: 0.87 Max: 1.03
Current: 0.93
During the past 10 years, the highest Debt-to-Equity Ratio of First Capital Bancshares was 1.03. The lowest was 0.37. And the median was 0.87.
FCPB's Debt-to-Equity is ranked worse than 65.82% of 1425
companies
in the Banks industry
Industry Median: 0.56
vs FCPB: 0.93
First Capital Bancshares (OTCPK:FCPB) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
First Capital Bancshares Debt-to-Equity Related Terms
First Capital Bancshares Debt-to-Equity Historical Data
* 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.
FCPB vs CTUY, BBNA, CHBH: Debt-to-Equity Comparison
For the Banks - Regional subindustry, First Capital Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Capital Bancshares Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Capital Bancshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where First Capital Bancshares's Debt-to-Equity falls into.
* 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 (FCPB) has a Debt-to-Equity of 0.93 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Capital Bancshares and its competitors. This is near median its historical median of 0.87. Over the past decade, First Capital Bancshares' Debt-to-Equity has ranged from 0.37 to 1.03. According to the industry distribution chart, First Capital Bancshares ranks #938 out of 1425 companies in the Banks industry, placing it in the top 65.8%.
Is First Capital Bancshares' Debt-to-Equity too high?
First Capital Bancshares' current Debt-to-Equity of 0.93 is near median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 1.03. The Banks industry median Debt-to-Equity is 0.56. First Capital Bancshares' value of 0.93 is 66.1% above this industry median. Based on the distribution chart, First Capital Bancshares ranks #938 out of 1425 companies in the Banks industry, which is below the industry midpoint. Overall, First Capital Bancshares has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Capital Bancshares' Debt-to-Equity compare to CTUY and BBNA?
According to the Banks industry distribution chart, First Capital Bancshares ranks #938 out of 1425 companies for Debt-to-Equity. This places First Capital Bancshares in the lower half of its industry. The industry median Debt-to-Equity is 0.56. First Capital Bancshares' value of 0.93 is 66.1% above this benchmark. Historically, First Capital Bancshares' own Debt-to-Equity has ranged from 0.37 to 1.03 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 0.56, First Capital Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,425 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital Bancshares's current Debt-to-Equity of 0.93 is 66.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Capital Bancshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital Bancshares's current Debt-to-Equity is 0.93, which is near median its own 10-year median of 0.87. 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 $13.42, compared to a current price of $13.10 — trading 2.4% below its estimated fair value. The current Debt-to-Equity is 0.93, which is near median its 10-year median of 0.87 and 66.1% above the Banks industry median of 0.56. First Capital Bancshares' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For First Capital Bancshares (FCPB), the current Debt-to-Equity is 0.93 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 $13.10 is trading 2.4% below its estimated GF Value™ of $13.42.
GuruFocus considers First Capital Bancshares to be Fairly Valued.
Key valuation signals for FCPB:
Debt-to-Equity: 0.93 (near median its 10-year median of 0.87)
GF Value™: $13.42 vs. price of $13.10 (2.4% below fair value)
Industry Position: 66.1% above the Banks median (#938 of 1425)
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 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.
62GF Score
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