1st Capital Bancorp

1st Capital Bancorp

FISB
1st Capital BancorpUS flagOther OTC
14.00
USD
+0.10
- -
78.48MMarket Cap
1st Capital Bancorp
FISB
(Other OTC)

Recent

price

14.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2008
2009
2016
2017
2018
2019
2020
2021
2022
2023
TTM
FRC
0.88
1.31
3.36
3.82
4.58
4.71
4.63
5.45
6.15
5.88
5.86
Revenue per Share
-0.5
-0.17
0.59
0.54
1.19
1.29
0.81
1.37
1.56
0.64
0.66
Basic EPS, GAAP
-0.34
-0.17
0.83
0.75
1.4
1.19
1.42
1.24
2.1
1.96
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
-1.21
-1.37
- -
9.83
11.06
12.3
13.12
14.4
15.91
16.64
- -
Book Value per Share
6.42
6.39
- -
9.79
10.97
12.4
13.43
14.32
10.3
11.29
12.04
Tangible Book Value per Share
4
4
5
5
5
5
6
6
5
6
6
Basic Weighted Avg Shares
4
6
17
20
25
26
26
30
34
32
33
Sales/Revenue/Turnover
-56.79
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
1
1
1
1
1
1
1
- -
Depreciation Expense
-2
-1
3
3
6
7
5
8
9
4
4
Net Income, GAAP
- -
- -
39.37
53.4
27.41
26.59
28.21
27.56
26.33
23.74
24
Effective Tax Rate (%)
-56.82
-12.6
17.61
14.02
26.01
27.4
17.59
25.08
25.44
10.9
11.22
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
5
15
15
25
75
LT Debt
27
27
- -
52
59
68
74
80
57
62
67
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
10.91
11.5
11.15
6.43
9.97
10.23
3.95
7.98
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'23
Mar'24
Jun'24
ST Debt
- -
- -
- -
LT Borrowings
25
55
75
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
66
62
68

Working Capital

FRC

in mil. unless spec.
Dec'23
Mar'24
Jun'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
259
276
288
Accounts Receivable, Net
4
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
2.58%
10.4%
Free Cash Flow
- -
11.09%
-6.06%
Net Income, GAAP
- -
-0.63%
-58.78%
Sales/Revenue/Turnover
- -
5.9%
-3.75%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
8
9
9
7
34
2023
8
8
9
8
32
2024
8
8
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
0.38
0.46
0.49
- -
1.56
2023
0.19
0.11
0.22
- -
0.64
2024
0.16
0.16
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
- -
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
Business
1st Capital Bancorp, formerly serving as the bank holding entity for 1st Capital Bank, concluded its merger with West Coast Community Bancorp on October 1, 2024. Operating initially as a division of Santa Cruz County Bank, the combined banking offices across four Central Coast California counties are slated to be rebranded as West Coast Community Bank in the second quarter of 2025. This integration expanded the financial institution's reach and capacity, now holding approximately $2.8 billion in total assets. The institution continues to deliver a comprehensive suite of banking products and services tailored for businesses, professionals, real estate investors, family commercial entities, and individuals throughout the Central Coast region of California. Offerings encompass various deposit products, including checking, savings, money market, and individual retirement accounts, alongside certificates of deposit, debit cards, and check orders. Lending solutions feature consumer and commercial options, specialized loans for agriculture and the wine industry, commercial real estate financing, personal loans for business owners, and Small Business Administration and government-guaranteed programs. Additionally, the bank provides robust digital services, such as online, mobile, and telephone banking, along with advanced cash management tools including remote check scanning, electronic bill payment, remote ACH origination, and remote wire transfer requests, accessible through its network of full-service branches. The original 1st Capital Bank was established in 2007 and was headquartered in Salinas, California.

Company News

APIChatGPT
  • West Coast Community Bancorp and 1st Capital Bancorp Announce Receipt of Shareholder Approval for Merger

  • 1st Capital Bancorp Announces Second Quarter 2024 Financial Results

  • AppTech Payments Announces Strategic Partnership with FISB Solutions to Upgrade Legacy Banking Systems

  • Shareholder Alert: Ademi LLP investigates whether 1st Capital Bancorp has obtained a Fair Price for its Shareholders

  • West Coast Community Bancorp and 1st Capital Bancorp Announce Agreement to Merge

  • West Coast Community Bancorp and 1st Capital Bancorp Announce Agreement to Merge

  • 1st Capital Bancorp Announces First Quarter 2024 Financial Results

  • 1st Capital Bancorp Announces Fourth Quarter 2023 Financial Results

  • 1st Capital Bancorp Announces Appointment of Laura Zehm to Board of Directors

  • 1st Capital Bancorp Announces Joel Keller as Executive Vice President and Chief Financial Officer

  • 1st Capital Bancorp Announces Third Quarter 2023 Financial Results

  • 1st Capital Bancorp Announces Glenna Datta as Executive Vice President and Chief Banking Officer

  • 1st Capital Bancorp Announces Retirement of President, Jon Ditlevsen

  • Director Henry Ruhnke Announces Retirement from the Board of Directors

  • 1st Capital Bancorp Announces Change In Executive Management Position

  • 1st Capital Bancorp Announces Second Quarter 2023 Financial Results

  • OTC Markets Group Welcomes 1st Capital Bancorp to OTCQX

  • 1st Capital Bancorp, Inc. Announces Completion of $15 Million Subordinated Debt Offering