First Capital Valuation
| FCAP Stock | USD 45.72 -1.01 -2.16% |
At current prices, First Capital appears to be overvalued. Our estimate of the Real Value of First Capital is $43.98 per share, compared with the current market price of $45.72. This estimate is based on an evaluation of First Capital fundamentals, including shares outstanding of 3.36M, current valuation of $36.54M, and profit margin of 31%, together with its technical indicators and probability of bankruptcy. Key valuation drivers for First Capital include:
Annualized trend data shows Cash increasing by roughly 4.76%. Cash was last measured at 104.39 Million. As of now, The current year's Accounts Payable is projected to rise to approximately 1.8 M. Also, The current year's Change To Account Receivables is projected to rise to approximately 201.3 K.
Overvalued
Today
Right now, the market is showing Very Low price fluctuation for First Capital. Macroaxis calculates the real value of First Capital using a 3 months time horizon. A longer horizon usually makes the valuation estimate more stable and improves the predictive value of the methodology.
The current market price of 45.72 does not necessarily match First Capital's intrinsic value. If market price moves back toward intrinsic value, that disconnect may become actionable. | Historical | Market 45.72 | Real 43.98 | Hype 46.73 | Naive 49.03 |
The real value of First Stock, also known as its intrinsic value, is the underlying worth of First Capital Company, which is reflected in its stock price. It is based on First Capital's financial performance, growth prospects, management team, or industry conditions.
Estimating the potential upside or downside of First Capital helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Capital more accurately as.Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. Some money managers use First Capital's intrinsic value based on ongoing forecasts of First Capital's financial statements.
Main Profitability Drivers
First Capital converts revenue at a 31.17% net margin rate, while its operating margin sits at 42.31%. The spread of 11.14 percentage points between the two margins reflects the impact of financing costs and tax obligations on First Capital's earnings. First Capital's revenue base of 65.31 Million yielded 47.32 Million in gross profit at a 72.5% gross margin, while net income came in at 11.94 Million. With ROE at 11.84% and ROA at 1.22%, these return measures help contextualize First Capital's profitability relative to its balance sheet. The trend direction in First Capital's profitability metrics skews negative, pointing to potential earnings risk ahead. A more granular view is available in First Capital's profitability metrics for a broader perspective on earnings quality.
Price Book 1.1234 | Gross Profit | Price Sales 3.1692 | Profit Margin | Enterprise Value Revenue 3.0583 |
First Capital Cash | 109.6 Million |
Revenue by Product
First Capital reports income from 3 product segments. ATM and Debit Card Fees accounts for approximately 64.0% of First Capital's revenue at 1.19 Million, while Service Charges On Deposit Accounts contributes 33.6% at 625,000. With the top segment exceeding 60% of revenue, First Capital's earnings are heavily concentrated in a single product line.Valuation Framework, Methodology & Assumptions
First Capital is a micro-cap equity in Regional Banks, Banks - Regional, Financial Services categories. Valuation integrates earnings durability and capital efficiency. Certain defensive traits may reduce sensitivity to broader macroeconomic fluctuations. First Capital currently trades at P/E of 7.26, P/B of 1.12, P/S of 3.17.
Unless otherwise specified, data for First Capital is compiled from periodic company reporting and market reference feeds and standardized for comparability. Updates may occur throughout the day. Valuation outputs are model-derived and depend on published assumptions and reference inputs.
This content is curated and reviewed by:
Ellen Johnson - Member of Macroaxis Editorial BoardDividend analysis matters in the valuation of First Capital because payout behavior can influence both equity value and investor expectations around return quality. The practical question is whether the payout policy reinforces the business case or masks weaker underlying economics. For additional context, explore First Capital dividend history and review how its payout policy has evolved over time.
First Capital Growth Indicators
Growth-focused analysis of First Capital matters because high expectations can support outsized upside but also sharper repricing when execution slips. Used properly, growth analysis helps investors separate durable compounding from optimism that may already be fully priced in.
| Common Stock Shares Outstanding | 3.3 M | |
| Quarterly Earnings Growth Y O Y | 0.545 | |
| Forward Price Earnings | 9.5969 |
First Capital Current Valuation Indicators
Valuation analysis for First Capital is about estimating what the business is worth based on operating performance, asset quality, liabilities, and future earning power rather than on headline price alone. Used properly, valuation is less about precision and more about narrowing the range of defensible outcomes before capital is committed.
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