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First Capital BancsharesFCPB 60 Equity-to-Asset is 0.09 as of Dec. 2025, which is at its 10-year median of 0.09. GuruFocus rates FCPB with a GF Score™ of 60/100 and a GF Value™ of $13.46 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, First Capital Bancshares ranks worse than 55.28% on this metric.
First Capital Bancshares (OTCPK:FCPB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
First Capital Bancshares Equity-to-Asset Related Terms
First Capital Bancshares Equity-to-Asset 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 OFED, BLHK, HYNE: Equity-to-Asset Comparison
For the Banks - Regional subindustry, First Capital Bancshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Capital Bancshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where First Capital Bancshares's Equity-to-Asset falls into.
First Capital Bancshares Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
First Capital Bancshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.09 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Capital Bancshares and its competitors. This is near median its historical median of 0.09. Over the past decade, First Capital Bancshares' Equity-to-Asset has ranged from 0.09 to 0.23. According to the industry distribution chart, First Capital Bancshares ranks #843 out of 1525 companies in the Banks industry, placing it in the top 55.3%.
Is First Capital Bancshares' Equity-to-Asset too high?
First Capital Bancshares' current Equity-to-Asset of 0.09 is near median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.23. The Banks industry median Equity-to-Asset is 0.10. First Capital Bancshares' value of 0.09 is 10% below this industry median. Based on the distribution chart, First Capital Bancshares ranks #843 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, First Capital Bancshares has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Capital Bancshares' Equity-to-Asset compare to OFED and BLHK?
According to the Banks industry distribution chart, First Capital Bancshares ranks #843 out of 1525 companies for Equity-to-Asset. This places First Capital Bancshares in the lower half of its industry. The industry median Equity-to-Asset is 0.10. First Capital Bancshares' value of 0.09 is 10% below this benchmark. Historically, First Capital Bancshares' own Equity-to-Asset has ranged from 0.09 to 0.23 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, First Capital Bancshares has consistently been below 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital Bancshares's current Equity-to-Asset of 0.09 is 10% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Capital Bancshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital Bancshares's current Equity-to-Asset is 0.09, which is near median its own 10-year median of 0.09. 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 $13.46, compared to a current price of $13.39 — trading 0.5% below its estimated fair value. The current Equity-to-Asset is 0.09, which is near median its 10-year median of 0.09 and 10% below the Banks industry median of 0.10. First Capital Bancshares' overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For First Capital Bancshares (FCPB), the current Equity-to-Asset is 0.09 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 $13.39 is trading 0.5% below its estimated GF Value™ of $13.46.
GuruFocus considers First Capital Bancshares to be Fairly Valued.
Key valuation signals for FCPB:
Equity-to-Asset: 0.09 (near median its 10-year median of 0.09)
GF Value™: $13.46 vs. price of $13.39 (0.5% below fair value)
Industry Position: 10% below the Banks median (#843 of 1525)
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.
60GF Score
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