Is FBLA or FCAP more undervalued in 2026?

CirclFi compares FB Bancorp, Inc. (FBLA) and First Capital, Inc. (FCAP) using 13 institutional-grade valuation models. FBLA has a Quality of Company score of 6.4/10 while FCAP scores 9.3/10.

Which is a better buy — FBLA or FCAP?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FBLA and FCAP valuations compare?

FBLA at $14.13 and FCAP at $61.91 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FBLA vs FCAP Valuation Comparison 2026 — Intrinsic Value Analysis

FBLA

Banks - Regional

FB Bancorp, Inc.

Quality

6.4

out of 10

Value Trap

SAFE

Price

$14.13

Last close

Models

11/13

Active

FCAP

Banks - Regional

First Capital, Inc.

Quality

9.3

out of 10

Value Trap

SAFE

Price

$61.91

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	FBLA Fair Value	FBLA Upside	FCAP Fair Value	FCAP Upside
Bayesian DCF	Intrinsic	$0.49	-96.5%	$88.64	+43.2%
Earnings Power Value	Intrinsic	$1.53	-89.1%	$44.62	-27.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FBLA vs FCAP — Which Stock Is More Undervalued?

FCAP scores higher with a 9.3/10 quality rating vs FBLA's 6.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing FB Bancorp, Inc. (FBLA) and First Capital, Inc. (FCAP) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FBLA currently trades at $14.13 with a QOC of 6.4/10, while FCAP trades at $61.91 with a QOC of 9.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).