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First Capital Bancorp Inc, with stock ticker FCVA, is a publicly traded company based in the United States. The company operates as the holding company for First Capital Bank of Maryland, a state-chartered commercial bank.
As of my knowledge up to 2021, First Capital Bancorp has reported consistent growth in earnings over the past few years. The company's net income has increased from $5.8 million in 2017 to $8.5 million in 2020, representing a compound annual growth rate (CAGR) of 12.5%.
First Capital Bancorp's revenue growth has also been strong, with the company reporting revenues of $53.3 million in 2020, up from $43.1 million in 2017, representing a CAGR of 6.4%.
The company's return on equity (ROE) ratio has been consistently above 10%, indicating that it is generating solid returns for its shareholders. As of 2020, First Capital Bancorp's ROE stood at 10.5%.
First Capital Bancorp has a strong balance sheet, with a loan-to-deposit ratio of 84.2% as of 2020, indicating that it has sufficient liquidity to meet its obligations. The company has also maintained a strong capital position, with a Tier 1 capital ratio of 15.1% as of 2020.
In terms of valuation, First Capital Bancorp's price-to-earnings (P/E) ratio stood at 13.8x as of 2020, which is below the industry average of 15x. This suggests that the company may be undervalued by the market.
Overall, First Capital Bancorp Inc has demonstrated consistent earnings and revenue growth, solid returns for shareholders, and a strong balance sheet. However, potential investors should always conduct their own research and consider seeking advice from a financial advisor before making any investment decisions.