What is 1st Capital Bancorp (FISB) stock price today?

1st Capital Bancorp (FISB) is currently trading at $14.00, up 0.72% today.

What is FISB P/E ratio?

1st Capital Bancorp's P/E ratio is 21.88. This is near the market average.

What is FISB return on equity (ROE)?

1st Capital Bancorp's return on equity (ROE) is 5.95%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is 1st Capital Bancorp's market cap?

1st Capital Bancorp has a market capitalization of $78.48M.

OTC · Banks - Regional

1st Capital Bancorp (FISB) Stock

$14.00 +0.72% OTC: FISB Financial Services

Valuation

Metric	Value
Price	$14.00
Market Cap	$78.48M
P/E Ratio	21.88
P/B Ratio	1.24
P/S Ratio	1.92
EPS (TTM)	$0.64
52-Week High	$14.00
52-Week Low	$9.40
Dividend Yield	0.00%

Financials & Margins

Metric	Value
ROE	5.95%
ROA	0.36%
ROCE	1.39%
Gross Margin	100.00%
Operating Margin	11.32%
Net Margin	8.64%
Debt/Equity	0.40
Current Ratio	0.06

Annual Financials (USD)

Metric	2019	2020	2021	2022	2023
Revenue	$26.0M	$26.0M	$31.0M	$34.0M	$41.0M
Operating Profit	$10.0M	$6.0M	$11.0M	$14.0M	$5.0M
Net Profit	$7.0M	$5.0M	$8.0M	$9.0M	$4.0M
EPS	$1.27	$0.81	$1.34	$1.55	$0.64
Op Margin	37.3%	24.1%	34.4%	42.4%	11.3%

Balance Sheet (USD)

Metric	2019	2020	2021	2022	2023
Total Assets	$645.0M	$833.0M	$999.0M	$943.0M	$989.0M
Total Liabilities	$0	$758.0M	$919.0M	$887.0M	$927.0M
Cash	$52.0M	$107.0M	$84.0M	$38.0M	$38.0M
Borrowings	$3.0M	$5.0M	$15.0M	$15.0M	$25.0M

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Cash Flow (USD)

Metric	2019	2020	2021	2022	2023
Operating Cash Flow	$7.0M	$9.0M	$7.0M	$12.0M	$11.0M
Investing Cash Flow	$-19.0M	$-138.0M	$-190.0M	$-19.0M	$-50.0M
Financing Cash Flow	$12.0M	$176.0M	$151.0M	$-39.0M	$28.0M
Net Cash Flow	$0	$54.0M	$-23.0M	$-46.0M	$0
Free Cash Flow	$7.0M	$8.0M	$7.0M	$12.0M	$11.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	-0.61
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	—
Return 3Y	—
Return 5Y	—

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
BHWBBlackhawk Bancorp, Inc.	$33.35	-0.45%	7.02	$96.57M	0.00%
CCVS	$15.50	+0.00%	—	$61.82M	0.00%
CFGWCommunity Financial Group, Inc.	$44.00	+8.51%	78.57	$67.99M	0.00%
CNUNCommunity Bancshares, Inc.	$75.00	+0.00%	10.20	$98.09M	0.00%
CZNBCitizens Bancorp (Nevada City, CA)	$0.00	—	0.00	$67.86M	0.00%

About 1st Capital Bancorp

1st Capital Bancorp operates as the parent company for 1st Capital Bank, which delivers a comprehensive array of financial products and services. The bank caters to a diverse clientele including businesses, professionals, real estate investors, family-owned commercial entities, and individuals across California's Central Coast. Its deposit offerings encompass various account types such as checking, savings, money market, and individual retirement accounts, in addition to certificates of deposit. Clients can also readily access debit cards and order checks. On the lending side, the institution provides a broad spectrum of solutions: consumer loans, specialized financing for businesses (including the agriculture and wine industries), commercial real estate credit, personal loans tailored for entrepreneurs, and government-backed programs like those from the Small Business Administration (SBA). Beyond traditional banking, 1st Capital Bancorp invests in securities and offers modern digital banking options accessible through online, mobile, and telephone platforms. To further enhance convenience, it provides advanced remote capabilities, including check scanning, remote branch deposit, electronic bill payment, ACH origination, and wire transfer requests, alongside comprehensive cash management services. The company serves its customer base through full-service branch locations in Monterey, Salinas, King City, San Luis Obispo, and Santa Cruz. Established in 2007, the corporation maintains its headquarters in Salinas, California.

1st Capital Bancorp is headquartered in US.

1st Capital Bancorp (FISB) stock trades at $14.00 with a market capitalization of $78.48M. The stock is valued at a price-to-earnings (P/E) ratio of 21.88, price-to-book of 1.24, price-to-sales of 1.92. Over the past 52 weeks the stock has ranged between $9.40 and $14.00, and currently trades at its 52-week high.

On profitability, 1st Capital Bancorp generates a return on equity (ROE) of 5.95%, return on capital employed of 1.39%, an operating margin of 11.32%, a net profit margin of 8.64%.

Official website: www.1stcapital.bank