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1st Capital Bancorp FISB OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

1st Capital Bancorp (FISB) is a Banks - Regional company in the Financial Services sector, currently trading at $14.00. It has a SharesGrow Score of 60/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $41M, +16.4%/yr average growth. Net income is $4M, growing at +7.7%/yr. Net profit margin is 8.6% (thin). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $25M against $62M equity (Debt-to-Equity (D/E) ratio 0.4, conservative). Current ratio is 0.06 (tight liquidity). Debt-to-assets is 2.5%. Total assets: $989M.

SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 46/100 (Partial), Future ?/100 (Fail), Income 45/100 (Partial).

FISB SharesGrow Score Overview

62/100

SharesGrow Score

Above average fundamentals

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VALUE 75/100

Valuation — P/E, PEG, Forward PEG

GROWTH 73/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 46/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 45/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — FISB

FISB trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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FISB: +16.4%/yr revenue is, +7.7%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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FISB: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet FISB: Debt-to-Equity (D/E) ratio 0.4 (conservative), Current ratio is 0.06 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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FISB: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

FISB: Net profit margin is 8.6%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range9.4-14.0

Volume200

Avg Volume (30D)6.17K

Market Cap$78.48M

Beta (1Y)0.64

Share Statistics

EPS (TTM)0.64

Shares Outstanding$5.53M

IPO Date2007-07-13

Employees40

CEOSamuel D. Jimenez CPA

Financial Highlights & Ratios

Revenue (TTM)$40.96M

Gross Profit$40.96M

Net Income$3.54M

Operating Income$4.64M

Total Cash$38.27M

Total Debt$24.81M

Net Debt$-13.46M

Total Assets$989.06M

Price / Earnings (P/E)21.9

Price / Sales (P/S)1.92

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS3194271009

Price Chart

FISB

1st Capital Bancorp ↗ · Other OTC

Financial Services • Banks - Regional

9.40 52WK RANGE 14.00

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