First Capital BancsharesFCPB 64 Return-on-Tangible-Equity is 10.16% as of Dec. 2025, which is 292% above its 10-year median of 2.59. GuruFocus rates FCPB with a GF Scoreâ„¢ of 64/100 and a GF Valueâ„¢ of $13.33 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, First Capital Bancshares ranks worse than 56.66% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. First Capital Bancshares's annualized net income for the quarter that ended in Dec. 2025 was $9.57 Mil. First Capital Bancshares's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $94.15 Mil. Therefore, First Capital Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 10.16%.
The historical rank and industry rank for First Capital Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
FCPB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -9.71 Med: 2.59 Max: 10.16
Current: 10.16
During the past 10 years, First Capital Bancshares's highest Return-on-Tangible-Equity was 10.16%. The lowest was -9.71%. And the median was 2.59%.
FCPB's Return-on-Tangible-Equity is ranked worse than 56.66% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs FCPB: 10.16
First Capital Bancshares (OTCPK:FCPB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
First Capital Bancshares Return-on-Tangible-Equity Related Terms
First Capital Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for First Capital Bancshares's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
FCPB vs CTUY, BBNA, CHBH: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, First Capital Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Capital Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where First Capital Bancshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.16% mean?
First Capital Bancshares (FCPB) has a Return-on-Tangible-Equity of 10.16% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Capital Bancshares and its competitors. This is 292% above median its historical median of 2.59. According to the industry distribution chart, First Capital Bancshares ranks #864 out of 1525 companies in the Banks industry, placing it in the top 56.7%.
Is First Capital Bancshares' Return-on-Tangible-Equity too high?
First Capital Bancshares' current Return-on-Tangible-Equity of 10.16% is 292% above median its 10-year median of 2.59. The Banks industry median Return-on-Tangible-Equity is 11.20. First Capital Bancshares' value of 10.16% is 9.3% below this industry median. Based on the distribution chart, First Capital Bancshares ranks #864 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, First Capital Bancshares has a GF Scoreâ„¢ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Capital Bancshares' Return-on-Tangible-Equity compare to CTUY and BBNA?
According to the Banks industry distribution chart, First Capital Bancshares ranks #864 out of 1525 companies for Return-on-Tangible-Equity. This places First Capital Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. First Capital Bancshares' value of 10.16% is 9.3% below this benchmark. While the company's 10-year median is 2.59 vs. the industry median of 11.20, First Capital Bancshares has consistently been below 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital Bancshares's current Return-on-Tangible-Equity of 10.16% is 9.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Capital Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital Bancshares's current Return-on-Tangible-Equity is 10.16%, which is 292% above median its own 10-year median of 2.59. 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 Return-on-Tangible-Equity is 10.16%, which is 292% above median its 10-year median of 2.59 and 9.3% below the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For First Capital Bancshares (FCPB), the current Return-on-Tangible-Equity is 10.16% 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:
Return-on-Tangible-Equity: 10.16% (292% above median its 10-year median of 2.59)
GF Value™: $13.33 vs. price of $12.78 (4.1% below fair value)
Industry Position: 9.3% below the Banks median (#864 of 1525)
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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