1st Capital Financials

FISB Stock  USD 10.00  0.07  0.45%   
Based on the analysis of 1st Capital's profitability, liquidity, and operating efficiency, 1st Capital Bank is not in a good financial situation at the moment. It has a very high risk of going through financial straits in April.
With this module, you can analyze 1st financials for your investing period. You should be able to track the changes in 1st Capital individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past 1st Capital Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of 1st Capital's financial statements are interrelated, with each one affecting the others. For example, an increase in 1st Capital's assets may result in an increase in income on the income statement.
Evaluating 1st Capital's financials involves analyzing a range of financial metrics and ratios to gain insights into the company's financial health and performance. However, considering all of 1st Capital's profitability, liquidity ratios, and efficiency indicators at the same time could be an enormous task, and our Financial Distress score can provide you with a snapshot of the 1st Capital's relative financial performance

Chance Of Distress

Less than 9

 
100  
 
Zero
Low
1st Capital Bank has less than 9 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for 1st Capital otc stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity.
Please note, 1st Capital's odds of distress score SHOULD NOT be confused with the real chance of 1st Capital Bank filing for bankruptcy protection for chapters 7, 11, 12, or 13. We define Financial Distress as an operational condition where an entity such as 1st is having difficulty meeting its current financial obligations towards its creditors or delivering on the expectations of its investors. Macroaxis derives these conditions daily from public financial statements and analysis of stock prices reacting to market conditions or economic downturns, including short-term and long-term historical volatility. Other factors considered include 1st Capital's liquidity analysis, revenue patterns, R&D expenses, and commitments, as well as public headlines and social sentiment.
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The data published in 1st Capital's official financial statements usually reflect 1st Capital's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of 1st Capital Bank. For example, before you start analyzing numbers published by 1st accountants, it's critical to develop an understanding of what 1st Capital's liquidity, profitability, and earnings quality are in the context of the Banks space in which it operates.
Please note, the presentation of 1st Capital's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, 1st Capital's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in 1st Capital's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of 1st Capital Bank. Please utilize our Beneish M Score to check the likelihood of 1st Capital's management manipulating its earnings.

1st Capital Company Summary

1st Capital competes with Western Union, GDEV, Barings BDC, Juniata Valley, and GameStop Corp. 1st Capital Bancorp operates as the bank holding company for 1st Capital Bank that provides various banking products and services for businesses, professionals, real estate investors, family commercial entities, and individuals in the Central Coast region of California. The company was founded in 2007 and is headquartered in Salinas, California. 1ST CAP operates under BanksRegional classification in the United States and is traded on OTC Exchange.
InstrumentUSA OTC Stock View All
ExchangeOTCQX Exchange
ISINUS3194271009
Business Address150 Main Street,
SectorBanks
IndustryFinancials
BenchmarkNYSE Composite
Websitewww.1stcapital.bank
Phone831 264 4000
CurrencyUSD - US Dollar
You should never invest in 1st Capital without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of 1st OTC Stock, because this is throwing your money away. Analyzing the key information contained in 1st Capital's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

1st Capital Key Financial Ratios

Generally speaking, 1st Capital's financial ratios allow both analysts and investors to convert raw data from 1st Capital's financial statements into concise, actionable information that can be used to evaluate the performance of 1st Capital over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that 1st Capital Bank reports annually and quarterly.

1st Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining 1st Capital's current stock value. Our valuation model uses many indicators to compare 1st Capital value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across 1st Capital competition to find correlations between indicators driving 1st Capital's intrinsic value. More Info.
1st Capital Bank is rated # 5 in book value per share category among related companies. It is one of the top stocks in cash and equivalents category among related companies creating about  3,350,274  of Cash And Equivalents per Book Value Per Share. . Comparative valuation analysis is a catch-all model that can be used if you cannot value 1st Capital by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for 1st Capital's OTC Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the 1st Capital's earnings, one of the primary drivers of an investment's value.

1st Capital Bank Systematic Risk

1st Capital's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. 1st Capital volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on 1st Capital Bank correlated with the market. If Beta is less than 0 1st Capital generally moves in the opposite direction as compared to the market. If 1st Capital Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one 1st Capital Bank is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of 1st Capital is generally in the same direction as the market. If Beta > 1 1st Capital moves generally in the same direction as, but more than the movement of the benchmark.

About 1st Capital Financials

What exactly are 1st Capital Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include 1st Capital's income statement, its balance sheet, and the statement of cash flows. Potential 1st Capital investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although 1st Capital investors may use each financial statement separately, they are all related. The changes in 1st Capital's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on 1st Capital's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.

Steps to analyze 1st Capital Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as 1st Capital is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of 1st has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if 1st Capital's financials are consistent with your investment objective using the following steps:
  • Review 1st Capital's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand 1st Capital's liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare 1st Capital's financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if 1st Capital's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.

1st Capital March 29, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of 1st Capital help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of 1st Capital Bank. We use our internally-developed statistical techniques to arrive at the intrinsic value of 1st Capital Bank based on widely used predictive technical indicators. In general, we focus on analyzing 1st OTC Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build 1st Capital's daily price indicators and compare them against related drivers.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in 1st Capital Bank. Also, note that the market value of any otc stock could be tightly coupled with the direction of predictive economic indicators such as signals in state.
You can also try the Stock Screener module to find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook..

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When running 1st Capital's price analysis, check to measure 1st Capital's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy 1st Capital is operating at the current time. Most of 1st Capital's value examination focuses on studying past and present price action to predict the probability of 1st Capital's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move 1st Capital's price. Additionally, you may evaluate how the addition of 1st Capital to your portfolios can decrease your overall portfolio volatility.
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Please note, there is a significant difference between 1st Capital's value and its price as these two are different measures arrived at by different means. Investors typically determine if 1st Capital is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, 1st Capital's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.