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First Capital BancsharesFCPB +2.14%62 EV-to-OCF is 28.40 as of Jul. 28, 2026, which is 89% above its 10-year median of 15.05. GuruFocus rates FCPB with a GF Score™ of 62/100 and a GF Value™ of $13.45 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,502 Banks companies, First Capital Bancshares ranks worse than 91.41% on this metric.
The historical rank and industry rank for First Capital Bancshares's EV-to-OCF or its related term are showing as below:
FCPB'
s EV-to-OCF Range Over the Past 10 Years
Min: -75.2 Med: 15.05 Max: 30.65
Current: 28.4
During the past 10 years, the highest EV-to-OCF of First Capital Bancshares was 30.65. The lowest was -75.20. And the median was 15.05.
FCPB's EV-to-OCF is ranked worse than 91.41% of 1502
companies
in the Banks industry
Industry Median: 3.705
vs FCPB: 28.40
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Capital Bancshares (OTCPK:FCPB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Capital Bancshares's PE Ratio (TTM) for today is calculated as:
First Capital Bancshares's share price for today is $13.38.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Capital Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.940.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Capital Bancshares EV-to-OCF Related Terms
First Capital Bancshares EV-to-OCF 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.
For the Banks - Regional subindustry, First Capital Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Capital Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Capital Bancshares's EV-to-OCF falls into.
First Capital Bancshares's current Enterprise Value is $173.59 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Capital Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $6.11 Mil.
* 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 EV-to-OCF of 28.40 as of Jul. 28, 2026. This is 89% above median its historical median of 15.05. According to the industry distribution chart, First Capital Bancshares ranks #1373 out of 1502 companies in the Banks industry, placing it in the top 91.4%.
Is First Capital Bancshares' EV-to-OCF too high?
First Capital Bancshares' current EV-to-OCF of 28.40 is 89% above median its 10-year median of 15.05. The Banks industry median EV-to-OCF is 3.71. First Capital Bancshares' value of 28.40 is 666.5% above this industry median. Based on the distribution chart, First Capital Bancshares ranks #1373 out of 1502 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' EV-to-OCF compare to OFED and BLHK?
According to the Banks industry distribution chart, First Capital Bancshares ranks #1373 out of 1502 companies for EV-to-OCF. This places First Capital Bancshares in the lower half of its industry. The industry median EV-to-OCF is 3.71. First Capital Bancshares' value of 28.40 is 666.5% above this benchmark. While the company's 10-year median is 15.05 vs. the industry median of 3.71, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.71, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital Bancshares's current EV-to-OCF of 28.40 is 666.5% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital Bancshares's current EV-to-OCF is 28.40, which is 89% above median its own 10-year median of 15.05. 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 $13.45, compared to a current price of $13.38 — trading 0.5% below its estimated fair value. The current EV-to-OCF is 28.40, which is 89% above median its 10-year median of 15.05 and 666.5% above the Banks industry median of 3.71. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Capital Bancshares (FCPB), the current EV-to-OCF is 28.40 as of Jul. 28, 2026. 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 $13.38 is trading 0.5% below its estimated GF Value™ of $13.45.
GuruFocus considers First Capital Bancshares to be Fairly Valued.
Key valuation signals for FCPB:
EV-to-OCF: 28.40 (89% above median its 10-year median of 15.05)
GF Value™: $13.45 vs. price of $13.38 (0.5% below fair value)
Industry Position: 666.5% above the Banks median (#1373 of 1502)
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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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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