First Capital BancsharesFCPB 64 PS Ratio is 3.69 as of Jun. 28, 2026, which is 12% below its 10-year median of 4.20. GuruFocus rates FCPB with a GF Score™ of 64/100 and a GF Value™ of $13.33 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,519 Banks companies, First Capital Bancshares ranks worse than 66.03% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, First Capital Bancshares's share price is $12.777.
First Capital Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $3.46. Hence, First Capital Bancshares's PS Ratio for today is 3.69.
The historical rank and industry rank for First Capital Bancshares's PS Ratio or its related term are showing as below:
FCPB'
s PS Ratio Range Over the Past 10 Years
Min: 3.07 Med: 4.2 Max: 8.53
Current: 3.69
During the past 10 years, First Capital Bancshares's highest PS Ratio was 8.53. The lowest was 3.07. And the median was 4.20.
FCPB's PS Ratio is ranked worse than 66.03% of 1519
companies
in the Banks industry
Industry Median: 2.98
vs FCPB: 3.69
During the past 10 years, First Capital Bancshares's highest 3-Year average Revenue per Share Growth Rate was 114.30% per year. The lowest was 10.60% per year. And the median was 27.70% per year.
Back to Basics: PS Ratio
First Capital Bancshares (OTCPK:FCPB) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Capital Bancshares's PS Ratio distribution charts can be found below:
* The bar in red indicates where First Capital Bancshares's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
First Capital Bancshares's Share Price of today is $12.777.
For company reported annually, GuruFocus uses latest annual data as the TTM data. First Capital Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $3.46.
* 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.
It can also be calculated from the numbers for the whole company:
First Capital Bancshares (FCPB) has a PS Ratio of 3.69 as of Jun. 28, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on First Capital Bancshares and its competitors. This is 12% below median its historical median of 4.20. Over the past decade, First Capital Bancshares' PS Ratio has ranged from 3.07 to 8.53. According to the industry distribution chart, First Capital Bancshares ranks #1003 out of 1519 companies in the Banks industry, placing it in the top 66%.
Is First Capital Bancshares' PS Ratio too high?
First Capital Bancshares' current PS Ratio of 3.69 is 12% below median its 10-year median of 4.20. Over the past 10 years, this metric has ranged from a low of 3.07 to a high of 8.53. The Banks industry median PS Ratio is 2.98. First Capital Bancshares' value of 3.69 is 23.8% above this industry median. Based on the distribution chart, First Capital Bancshares ranks #1003 out of 1519 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' PS Ratio compare to BNCC and HYNE?
According to the Banks industry distribution chart, First Capital Bancshares ranks #1003 out of 1519 companies for PS Ratio. This places First Capital Bancshares in the lower half of its industry. The industry median PS Ratio is 2.98. First Capital Bancshares' value of 3.69 is 23.8% above this benchmark. Historically, First Capital Bancshares' own PS Ratio has ranged from 3.07 to 8.53 over the past decade. While the company's 10-year median is 4.20 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital Bancshares's current PS Ratio of 3.69 is 23.8% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on First Capital Bancshares and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital Bancshares's current PS Ratio is 3.69, which is 12% below median its own 10-year median of 4.20. 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 PS Ratio is 3.69, which is 12% below median its 10-year median of 4.20 and 23.8% above the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For First Capital Bancshares (FCPB), the current PS Ratio is 3.69 as of Jun. 28, 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 $12.78 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:
PS Ratio: 3.69 (12% below median its 10-year median of 4.20)
GF Value™: $13.33 vs. price of $12.78 (4.1% below fair value)
Industry Position: 23.8% above the Banks median (#1003 of 1519)
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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