Last $11.90 USD
Change Today -0.10 / -0.83%
Volume 8.0K
FISB On Other Exchanges
Symbol
Exchange
OTC US
As of 8:10 PM 09/17/14 All times are local (Market data is delayed by at least 15 minutes).

1st capital bank (FISB) Snapshot

Open
$12.00
Previous Close
$12.00
Day High
$12.00
Day Low
$11.90
52 Week High
07/3/14 - $12.00
52 Week Low
11/27/13 - $10.54
Market Cap
40.2M
Average Volume 10 Days
1.6K
EPS TTM
$0.52
Shares Outstanding
3.4M
EX-Date
--
P/E TM
22.9x
Dividend
--
Dividend Yield
--
Current Stock Chart for 1ST CAPITAL BANK (FISB)

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1st capital bank (FISB) Details

1st Capital Bank provides various banking products and services to businesses, professionals, real estate investors, family commercial entities, and individuals in the central coast region of California. The company accepts various deposit products, including checking and savings accounts, money market accounts, certificates of deposits, and individual retirement accounts, as well as attorney trust and health savings accounts. It offers various business loans and lines of credit products, such as revolving and non-revolving lines of credit, equipment loans, construction loans, real estate term loans, and customized credit facilities; SBA/government guaranteed loans; consumer and installment loans; real estate mortgages; land and lot loans; multifamily and commercial and industrial real estate loans; farmland loans; home equity lines of credit; and other loans products. In addition, the company provides various online banking services; ATMs, debit cards, overdraft protection, and wire transfer services; cash management services; and remote check scanning, remote branch deposit, telephone banking, electronic bill payment, remote ACH origination, and mobile banking services. It operates full service branch offices in Monterey, Salinas, and King City, California. The company was incorporated in 2006 and is headquartered in Monterey, California.

Founded in 2006

1st capital bank (FISB) Top Compensated Officers

Chief Executive Officer and President
Total Annual Compensation: $32.5K
Chief Credit Officer and Executive Vice Presi...
Total Annual Compensation: $159.0K
Compensation as of Fiscal Year 2012.

1st capital bank (FISB) Key Developments

1st Capital Bank Announces Changes in Executive Officers

1st Capital Bank announced that the Bank's Executive Vice President and Chief Administrative Officer, Marilyn P. Goode, has separated from the Bank. Ms. Goode worked for the Bank since 2007 and was instrumental in the Bank's early operation and growth. The Bank announced that H. Irene Shippee has been appointed Executive Vice President and Chief Banking Officer. Ms. Shippee is a veteran California banker who has worked for 1st Capital Bank for the past year in the role of Senior Vice President and Operations Administrator. Ms. Shippee has over 25 years of experience in electronic banking, branch administration, deposit product development, card processing, deposit operations, and associated regulatory compliance. In her new role, Ms. Shippee will be responsible for most of the functions previously managed by Ms. Goode, including the Bank's branch network and Cash Management and Central Operations departments.

1st Capital Bank Reports Unaudited Earnings Results for the Second Quarter and Six Months Ended June 30, 2014

1st Capital Bank reported unaudited earnings results for the second quarter and six months ended June 30, 2014. For the quarter, total interest and dividend income was $3.3 million against $3.3 million last year. Net interest income was $3.2 million against $3.1 million last year. Income before provision for income taxes was $0.8 million against $0.6 million last year. Net income was $0.5 million or $0.12 per basic and diluted share against $0.4 million or $0.10 per basic and diluted share last year. Return on average total assets was 0.43% against 0.40% last year. Return on average shareholders' equity was 4.68% against 4.14% last year. The increase in earnings from the second quarter of 2013 primarily resulted from a lower provision for loan losses. For the six months, total interest and dividend income was $6.5 million against $6.4 million last year. Net interest income was $6.2 million against $6.1 million last year. Income before provision for income taxes was $1.4 million against $1.1 million last year. Net income was $0.9 million or $0.23 per basic and diluted share against $0.6 million or $0.18 per basic and diluted share last year. Return on average total assets was 0.42% against 0.36% last year. Return on average shareholders' equity was 4.51% against 3.63% last year. The improved earnings during 2014 primarily stemmed from a lower provision for loan losses. Tangible book value per share rose to a record $10.60 as of June 30, 2014, as compared to $10.28 per share at December 31, 2013.

1st Capital Bank Reports Unaudited Consolidated Earnings Results for the First Quarter Ended March 31, 2014

1st Capital Bank reported unaudited consolidated earnings results for the first quarter ended March 31, 2014. For the quarter, the company reported net income of $408,000 or $0.11 per diluted share on total interest and dividend income of $3,202,000 compared to net income of $263,000 or $0.08 per diluted share on total interest and dividend income of $3,166,000 reported a year ago. Net interest income was $3,053,000 compared to $3,007,000 reported a year ago. Income before provision for income taxes was $674,000 compared to $452,000 reported a year ago.

 

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FISB

Industry Average

Valuation FISB Industry Range
Price/Earnings 22.8x
Price/Sales 3.5x
Price/Book 1.1x
Price/Cash Flow 23.0x
TEV/Sales 3.0x
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