First Capital BancsharesFCPB 63 EV-to-FCF is 30.28 as of Jul. 05, 2026, which is 22% above its 10-year median of 24.88. GuruFocus rates FCPB with a GF Score™ of 63/100 and a GF Value™ of $13.36 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,196 Banks companies, First Capital Bancshares ranks worse than 89.05% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Capital Bancshares's Enterprise Value is $168.55 Mil.
First Capital Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.57 Mil. Therefore, First Capital Bancshares's EV-to-FCF for today is 30.28.
The historical rank and industry rank for First Capital Bancshares's EV-to-FCF or its related term are showing as below:
FCPB'
s EV-to-FCF Range Over the Past 10 Years
Min: -36.94 Med: 24.88 Max: 101.61
Current: 30.28
During the past 10 years, the highest EV-to-FCF of First Capital Bancshares was 101.61. The lowest was -36.94. And the median was 24.88.
FCPB's EV-to-FCF is ranked worse than 89.05% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs FCPB: 30.28
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $12.85.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Capital Bancshares EV-to-FCF Related Terms
First Capital Bancshares EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Capital Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Capital Bancshares's EV-to-FCF falls into.
First Capital Bancshares's current Enterprise Value is $168.55 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Capital Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.57 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-FCF of 30.28 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Capital Bancshares and its competitors. This is 22% above median its historical median of 24.88. According to the industry distribution chart, First Capital Bancshares ranks #1065 out of 1196 companies in the Banks industry, placing it in the top 89%.
Is First Capital Bancshares' EV-to-FCF too high?
First Capital Bancshares' current EV-to-FCF of 30.28 is 22% above median its 10-year median of 24.88. The Banks industry median EV-to-FCF is 6.57. First Capital Bancshares' value of 30.28 is 361.2% above this industry median. Based on the distribution chart, First Capital Bancshares ranks #1065 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' EV-to-FCF compare to CTUY and BBNA?
According to the Banks industry distribution chart, First Capital Bancshares ranks #1065 out of 1196 companies for EV-to-FCF. This places First Capital Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.57. First Capital Bancshares' value of 30.28 is 361.2% above this benchmark. While the company's 10-year median is 24.88 vs. the industry median of 6.57, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital Bancshares's current EV-to-FCF of 30.28 is 361.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Capital Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital Bancshares's current EV-to-FCF is 30.28, which is 22% above median its own 10-year median of 24.88. 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 $13.36, compared to a current price of $12.85 — trading 3.8% below its estimated fair value. The current EV-to-FCF is 30.28, which is 22% above median its 10-year median of 24.88 and 361.2% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Capital Bancshares (FCPB), the current EV-to-FCF is 30.28 as of Jul. 05, 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 $12.85 is trading 3.8% below its estimated GF Value™ of $13.36.
GuruFocus considers First Capital Bancshares to be Fairly Valued.
Key valuation signals for FCPB:
EV-to-FCF: 30.28 (22% above median its 10-year median of 24.88)
GF Value™: $13.36 vs. price of $12.85 (3.8% below fair value)
Industry Position: 361.2% above the Banks median (#1065 of 1196)
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.
63GF Score
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