First Capital Bancshares, Inc. Financial Ratios — FCPB Stock

Profitability (USD)

	1999 Y	2000 Y	2001 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	37.66	22.2	52.7	47.02	41.16	48.97
Return on Assets (%)	- -	-3.17	-1.66	-1.51	0.47	0.23	0.56	0.56	0.57	0.91
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	43.21	-562.24	-224.26	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	-610	-246.43	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	30.86	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-1,165.26	-353.81	-122.61	-34.84	13.36	10.29	24.07	23.03	25.14	34.33
Profit Margin (%)	-618.31	-216.96	-77.87	-28.6	12.47	7.77	18.3	18.12	19.15	27.01
Net Income to Common Margin (%)	-618.31	-216.96	-77.87	-28.6	12.47	7.77	18.3	18.12	19.15	27.01
Effective Tax Rate (%)	- -	- -	- -	- -	6.62	24.47	23.99	21.35	23.8	21.33
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	37.66	22.2	52.7	47.02	41.16	48.97

Credit (USD)

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	1999 Y	2000 Y	2001 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	2	12	18	25	44	71	91	92
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	2	12	18	25	44	71	91	92
Total Debt/EBITDA	6.66	- -	-1.84	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-38.86	1.91	-0.41	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	-1.68	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	1.76	-0.37	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-4.73	-5.09	-4.54	1.51	1.13	0.97	1.14	1.23	1.52	2.13
Long-Term Debt/Equity (%)	- -	- -	52.12	37.42	53.05	72.52	87.23	103.23	103.29	92.46
Long-Term Debt/Capital (%)	- -	- -	272.41	85.18	85.45	86.74	87.27	87.95	86.1	79.15
Long-Term Debt/Total Assets (%)	- -	- -	7.18	8.65	6.63	6.36	7.81	8.95	9.45	8.08
Total Debt/Equity (%)	3.02	- -	52.12	37.42	53.05	72.52	87.23	103.23	103.29	92.46
Total Debt/Capital (%)	-43.95	- -	272.41	85.18	85.45	86.74	87.27	87.95	86.1	79.15
Total Debt/Total Assets (%)	1.44	- -	7.18	8.65	6.63	6.36	7.81	8.95	9.45	8.08
Net Debt to Equity	-17.61	-50.38	11.61	-55.16	-142.1	-185.64	-28.17	-66.89	-64.14	-46.01
Net Debt/Capital (%)	64.04	70.53	-54.29	491.02	177.59	181.95	-39.25	-132.52	-114.9	-64.98
EBITDA	- -	-1	-1	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	-1	-1	- -	-2	-2	-3	-1	-3	-1
Operating Income (Loss)	- -	-1	-1	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1999 Y	2000 Y	2001 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-4.73	-5.09	-4.54	1.51	1.13	0.97	1.14	1.23	1.52	2.13
Long-Term Debt/Equity (%)	- -	- -	52.12	37.42	53.05	72.52	87.23	103.23	103.29	92.46
Long-Term Debt/Capital (%)	- -	- -	272.41	85.18	85.45	86.74	87.27	87.95	86.1	79.15
Long-Term Debt/Total Assets (%)	- -	- -	7.18	8.65	6.63	6.36	7.81	8.95	9.45	8.08
Total Debt/Equity (%)	3.02	- -	52.12	37.42	53.05	72.52	87.23	103.23	103.29	92.46
Total Debt/Capital (%)	-43.95	- -	272.41	85.18	85.45	86.74	87.27	87.95	86.1	79.15
Total Debt/Total Assets (%)	1.44	- -	7.18	8.65	6.63	6.36	7.81	8.95	9.45	8.08
CFO/Total Liabilities	-9.97	-3.97	-1.86	-0.4	0.35	0.56	0.65	0.53	1.05	0.59
CFO/CapEx	-0.62	-3.78	-2.68	-0.96	0.48	1.18	1.32	7.37	2.71	11.18
Altman's Z-Score	-0.06	-0.29	-0.19	0.26	0.13	0.12	0.1	0.1	0.12	0.06

Working Capital (USD)

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	1999 Y	2000 Y	2001 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	1999 Y	2000 Y	2001 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	36	33	48	50	64	106	- -
- Cash & Cash Equivalents	1	2	2	17	47	63	14	46	57	46
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	2	12	18	25	44	71	91	92
Enterprise Value	-1	-2	- -	30	3	10	81	89	141	46
Total Capital	- -	-1	1	14	21	28	51	81	106	117
Total Debt/Capital (%)	-43.95	- -	272.41	85.18	85.45	86.74	87.27	87.95	86.1	79.15
Total Debt / EV	-0.17	- -	4.49	0.39	5.24	2.48	0.55	0.8	0.65	1.99
EV/Sales	- -	- -	0.92	6.89	0.44	1.03	5.46	4.22	5.35	1.31
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	4.1	5.04	24.02	23.05	15.24	7.58
EV/Free Cash Flow to Firm	- -	- -	- -	1,926.54	1.33	2.73	13.67	20.3	11.13	6.96
Diluted Market Cap	- -	- -	- -	36	33	51	51	64	108	- -
Diluted Enterprise Value	-1	-2	- -	30	3	13	81	89	142	46
EV per Share	- -	- -	0.79	5.9	0.66	1.95	14.2	11.13	15.31	- -
TTM Sales	- -	- -	- -	4	8	10	15	21	26	35
TTM EBITDA	- -	-1	-1	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	-1	-1	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-1	-1	- -	- -	1	2	3	4	9	6
TTM Free Cash Flow to Firm	- -	- -	- -	- -	3	4	6	4	13	7

Multiples (USD)

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	1999 Y	2000 Y	2001 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	2,286.68	13.02	14.06	8.71	14.75	8.53	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-1	-2	- -	30	3	10	81	89	141	46
Low Price	- -	- -	- -	6	5.25	6.75	7.7	7.8	8	10
EV/Sales	- -	- -	0.92	6.89	0.44	1.03	5.46	4.22	5.35	1.31
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	34.64	64.28	18.72	16.74	21.06	- -
Price/Earnings Average	- -	- -	- -	-27.35	32.75	54.18	17.96	17.7	17.78	- -
Price/Earnings High	- -	- -	- -	-30.27	39.7	66.65	19.98	19.14	21.53	- -
Price/Earnings Low	- -	- -	- -	-24.51	27.98	45.67	16.19	16.32	14.6	- -
Price/Book Value	- -	- -	- -	17.31	10.98	12.84	7.8	6.56	7.19	- -
Price/Book Value Average	- -	- -	- -	16.56	10.38	10.83	7.48	6.94	6.07	- -
Price/Book Value High	- -	- -	- -	18.32	12.58	13.32	8.32	7.5	7.35	- -
Price/Book Value Low	- -	- -	- -	14.84	8.87	9.13	6.74	6.4	4.98	- -
Price/Tangible Book Value	- -	- -	- -	1.13	0.99	1.42	0.99	0.93	1.2	- -
Price/Tangible Book Value Average	- -	- -	- -	1.08	0.94	1.2	0.95	0.98	1.01	- -
Price/Tangible Book Value High	- -	- -	- -	1.19	1.14	1.48	1.06	1.06	1.22	- -
Price/Tangible Book Value Low	- -	- -	- -	0.97	0.8	1.01	0.86	0.9	0.83	- -
Price/Sales	- -	- -	- -	8.18	4.32	5	3.42	3.03	4.03	- -
Price/Sales Average	- -	- -	- -	7.82	4.09	4.21	3.29	3.21	3.41	- -
Price/Sales High	- -	- -	- -	8.66	4.95	5.18	3.66	3.47	4.12	- -
Price/Sales Low	- -	- -	- -	7.01	3.49	3.55	2.96	2.96	2.8	- -
Price/Cash Flow	- -	- -	- -	-85.03	40.19	24.5	15.06	16.56	11.48	- -
Price/Cash Flow Average	- -	- -	- -	-81.33	38	20.65	14.45	17.52	9.7	- -
Price/Cash Flow High	- -	- -	- -	-90.01	46.06	25.41	16.07	18.94	11.74	- -
Price/Cash Flow Low	- -	- -	- -	-72.88	32.46	17.41	13.03	16.15	7.96	- -
Price/Free Cash Flow Average	- -	- -	- -	2,187.25	12.31	11.85	8.35	15.6	7.2	- -
Price/Free Cash Flow High	- -	- -	- -	2,420.61	14.93	14.58	9.29	16.87	8.72	- -
Price/Free Cash Flow Low	- -	- -	- -	1,960.01	10.52	9.99	7.53	14.38	5.91	- -
EV/Sales Average	- -	- -	0.92	6.54	0.21	0.24	5.33	4.39	4.72	1.31
EV/Sales High	- -	- -	0.92	7.37	1.07	1.21	5.69	4.66	5.44	1.31
EV/Sales Low	- -	- -	0.92	5.72	- -	- -	5	4.14	4.11	1.31
EV/EBITDA Average	-38.86	1.91	-0.41	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-38.86	1.91	-0.41	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-38.86	1.91	-0.41	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	1.76	-0.37	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	1.76	-0.37	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	1.76	-0.37	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	7	6.5	9.5	8.9	8	11.54	11.66
High Price	- -	- -	- -	7.41	7.45	9.85	9.5	9.15	11.8	14.45
Enterprise Value Average	-1	-2	- -	28	2	2	79	92	124	46
Enterprise Value High	-1	-2	- -	32	8	12	84	98	143	46
Enterprise Value Low	-1	-2	- -	25	-3	-4	74	87	108	46

	1999 Y	2000 Y	2001 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	1	1	1	6	6	6	6	8	9	10
Diluted Weighted Avg Shares	1	1	1	5	5	5	6	8	9	- -
Basic Weighted Avg Shares	1	1	1	5	5	5	6	8	9	- -
Revenue per Share	0.09	0.35	0.86	0.86	1.5	1.9	2.6	2.64	2.86	- -
EBITDA per Share	0.04	-1.97	-1.93	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	-2.14	-2.12	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.53	-0.76	-0.67	-0.24	0.19	0.15	0.48	0.48	0.55	- -
Basic EPS from Cont Ops	-0.53	-0.76	-0.67	-0.24	0.19	0.15	0.48	0.48	0.55	- -
Diluted EPS, GAAP	-0.53	-0.76	-0.67	-0.24	0.19	0.14	0.47	0.47	0.54	- -
Diluted EPS from Cont Ops	-0.53	-0.76	-0.67	-0.24	0.19	0.14	0.47	0.47	0.54	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.9	-0.93	-0.79	-0.08	0.16	0.39	0.59	0.48	1	- -
Free Cash Flow per Basic Share	-2.35	-1.17	-1.09	-0.17	-0.18	0.06	0.14	0.42	0.63	- -
Cash & Equivalents per Share	1.7	3.76	2.76	3.43	9.31	12.39	2.53	5.77	6.18	- -
Book Value per Share	-0.81	-1.57	-2.25	0.4	0.59	0.74	1.14	1.22	1.61	- -
Tangible Book Value per Share	8.22	7.46	6.82	6.21	6.55	6.67	8.97	8.62	9.63	- -

First Capital Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)