FCPB (First Capital Bancshares) Net Debt Paydown Yield % : -0.74% (As of Jul. 03, 2026)


FCPB First Capital Bancshares Inc FCPB
63 GF Score
Price $12.85
GF Value $13.36
Valuation Fairly Valued
! 4 Warning Signs
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What is First Capital Bancshares Net Debt Paydown Yield %?

First Capital Bancshares FCPB 63 Net Debt Paydown Yield % is -0.74% as of Jul. 03, 2026. 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 1,420 Banks companies, First Capital Bancshares ranks better than 51.06% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, First Capital Bancshares's Net Debt Paydown Yield % was -0.74%.


First Capital Bancshares  (OTCPK:FCPB) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


First Capital Bancshares Net Debt Paydown Yield % Related Terms


First Capital Bancshares Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for First Capital Bancshares's Net Debt Paydown Yield % can be seen below:

* 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 Net Debt Paydown Yield % Chart

First Capital Bancshares Annual Data
Trend Dec99 Dec00 Dec01 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -11.26 -34.29 -41.75 -18.83 -0.81

First Capital Bancshares Semi-Annual Data
Dec99 Dec00 Dec01 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only -11.26 -34.29 -41.75 -18.83 -0.81

FCPB vs CTUY, BBNA, CHBH: Net Debt Paydown Yield % Comparison

For the Banks - Regional subindustry, First Capital Bancshares's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, First Capital Bancshares's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where First Capital Bancshares's Net Debt Paydown Yield % falls into.


FCPB
63GF Score
First Capital Bancshares Inc FCPB
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Capital Bancshares Net Debt Paydown Yield % Calculation

First Capital Bancshares's Net Debt Paydown Yield % for the quarter that ended in Dec. 2025 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 91.39-92.29 )/110.87494
=-0.81 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of -0.74% mean?
First Capital Bancshares (FCPB) has a Net Debt Paydown Yield % of -0.74% as of Jul. 03, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on First Capital Bancshares and its competitors. According to the industry distribution chart, First Capital Bancshares ranks #695 out of 1420 companies in the Banks industry, placing it in the top 48.9%.
Is First Capital Bancshares' Net Debt Paydown Yield % too high?
First Capital Bancshares' current Net Debt Paydown Yield % is -0.74%. Based on the distribution chart, First Capital Bancshares ranks #695 out of 1420 companies in the Banks industry, which is above the industry midpoint. 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' Net Debt Paydown Yield % compare to CTUY and BBNA?
According to the Banks industry distribution chart, First Capital Bancshares ranks #695 out of 1420 companies for Net Debt Paydown Yield %. This puts First Capital Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on First Capital Bancshares and its competitors. First Capital Bancshares's current Net Debt Paydown Yield % is -0.74%. 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 Net Debt Paydown Yield % is -0.74%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For First Capital Bancshares (FCPB), the current Net Debt Paydown Yield % is -0.74% as of Jul. 03, 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:

  • Net Debt Paydown Yield %: -0.74%
  • GF Value™: $13.36 vs. price of $12.85 (3.8% below fair value)
  • GF Score™: 63/100 with 4 warning signs

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 Business Description

Address 304 Meeting Street, Charleston, SC, USA, 29401
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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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.85
Price
$13.36
GF Value