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First Capital BancsharesFCPB 63 Pretax Margin % is 37.92% as of Jun. 2026, which is 221% above its 10-year median of 11.83. GuruFocus rates FCPB with a GF Score™ of 63/100 and a GF Value™ of $13.48 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, First Capital Bancshares ranks better than 52.16% on this metric.
First Capital Bancshares (OTCPK:FCPB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
First Capital Bancshares Pretax Margin % Related Terms
First Capital Bancshares Pretax Margin % 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: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Capital Bancshares's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Capital Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Capital Bancshares's Pretax 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 Pretax Margin % of 37.92% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Capital Bancshares and its competitors. This is 221% above median its historical median of 11.83. According to the industry distribution chart, First Capital Bancshares ranks #730 out of 1526 companies in the Banks industry, placing it in the top 47.8%.
Is First Capital Bancshares' Pretax Margin % too high?
First Capital Bancshares' current Pretax Margin % of 37.92% is 221% above median its 10-year median of 11.83. The Banks industry median Pretax Margin % is 35.51. First Capital Bancshares' value of 37.92% is 6.8% above this industry median. Based on the distribution chart, First Capital Bancshares ranks #730 out of 1526 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' Pretax Margin % compare to OFED and BLHK?
According to the Banks industry distribution chart, First Capital Bancshares ranks #730 out of 1526 companies for Pretax Margin %. This puts First Capital Bancshares in the upper half of its industry. The industry median Pretax Margin % is 35.51. First Capital Bancshares' value of 37.92% is 6.8% above this benchmark. While the company's 10-year median is 11.83 vs. the industry median of 35.51, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.51, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital Bancshares's current Pretax Margin % of 37.92% is 6.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Capital Bancshares and its competitors. For the Banks industry, the median Pretax Margin % is 35.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital Bancshares's current Pretax Margin % is 37.92%, which is 221% above median its own 10-year median of 11.83. 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 $13.48, compared to a current price of $13.49 — trading 0.1% above its estimated fair value. The current Pretax Margin % is 37.92%, which is 221% above median its 10-year median of 11.83 and 6.8% above the Banks industry median of 35.51. First Capital Bancshares' overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For First Capital Bancshares (FCPB), the current Pretax Margin % is 37.92% as of Jun. 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 overvalued.
The current stock price of $13.49 is trading 0.1% above its estimated GF Value™ of $13.48.
GuruFocus considers First Capital Bancshares to be Fairly Valued.
Key valuation signals for FCPB:
Pretax Margin %: 37.92% (221% above median its 10-year median of 11.83)
GF Value™: $13.48 vs. price of $13.49 (0.1% above fair value)
Industry Position: 6.8% above the Banks median (#730 of 1526)
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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