* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Capital Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Capital Bancshares's FCF Margin % 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 FCF Margin % of 15.72% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Capital Bancshares and its competitors. According to the industry distribution chart, First Capital Bancshares ranks #946 out of 1505 companies in the Banks industry, placing it in the top 62.9%.
Is First Capital Bancshares' FCF Margin % too high?
First Capital Bancshares' current FCF Margin % is 15.72%. The Banks industry median FCF Margin % is 26.55. First Capital Bancshares' value of 15.72% is 40.8% below this industry median. Based on the distribution chart, First Capital Bancshares ranks #946 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, First Capital Bancshares has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Capital Bancshares' FCF Margin % compare to BNCC and HYNE?
According to the Banks industry distribution chart, First Capital Bancshares ranks #946 out of 1505 companies for FCF Margin %. This places First Capital Bancshares in the lower half of its industry. The industry median FCF Margin % is 26.55. First Capital Bancshares' value of 15.72% is 40.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital Bancshares's current FCF Margin % of 15.72% is 40.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Capital Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital Bancshares's current FCF Margin % is 15.72%. 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 $13.33, compared to a current price of $12.78 — trading 4.1% below its estimated fair value. The current FCF Margin % is 15.72% and 40.8% below the Banks industry median of 26.55. First Capital Bancshares' overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Capital Bancshares (FCPB), the current FCF Margin % is 15.72% 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 $12.78 is trading 4.1% below its estimated GF Value™ of $13.33.
GuruFocus considers First Capital Bancshares to be Fairly Valued.
Key valuation signals for FCPB:
FCF Margin %: 15.72%
GF Value™: $13.33 vs. price of $12.78 (4.1% below fair value)
Industry Position: 40.8% below the Banks median (#946 of 1505)
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.
64GF Score
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