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First Capital, Inc. FCAP R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.firstharrison.com
Company Profile ↓
$64.82
+73.36% 1Y
Mkt Cap$216.86M
P/E11.74
P/B1.50
Div. Yield1.95%
52W High$68.91
52W Low$35.14
Book Value$42.72
EPS (TTM)$5.52

Company Overview

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company provides various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also offers residential mortgage loans; construction loans for residential and commercial properties; and commercial real estate and business loans. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it provides various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; unsecured consumer loans; and loans secured by savings deposits. Additionally, the company invests in mortgage-backed securities and collateralized mortgage obligations. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 10.9% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 35.5% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 11.7, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 34.7%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $50.62M (+16.5% YoY); net profit $16.37M.
  • Trailing 12 Months Year-on-year growth — revenue +14.4%, earnings +26.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 35.5%, profit CAGR 10.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:35.47%
1 Year:14.40%

Compounded Profit Growth

5 Years:10.86%
1 Year:26.50%

Stock Price Performance

1 Year:+73.36%
6 Months:+30.64%
3 Months:-1.52%
1 Month:+1.28%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 88% of range
$35.14 $68.91
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)58.90 · Neutral
Price Performance
1M+1.28%
3M-1.52%
6M+30.64%
1Y+73.36%
Valuation vs Sector

P/E of 11.74 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 34.7%.
  • Compounding revenue at 35.5% over 5 years.
  • Profit CAGR of 10.9% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.74
Industry PE
14.52
Forward P/E est.
9.28
PEG Ratio
-
Book Value
$42.72
Price to Book
1.50
P/S
4.03
EV/EBITDA
-
Dividend Yield
1.95%

Growth (CAGR)

Revenue 5Y
35.47%
Profit 5Y
10.86%
Revenue (YoY)
14.40%
Earnings (YoY)
26.50%

Profitability & Returns

ROCE
-
ROE
13.89%
ROA
1.46%
Profit Margin
34.65%
Op Margin
43.37%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.30
EPS (TTM)
$5.52

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$0
Total Assets
$1.28B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
4.14%
Chg in Prom Hold
0.00%
FII / Inst Holding
27.32%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$216.86M
Total Revenue (TTM)
$53.24M
EBITDA
-
Free Cash Flow
$19.93M
Operating Cash Flow
$21.28M
Shares Outstanding
3.35M
Gross Margin
0.00%
Payout Ratio
22.46%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FCAP First Capital, Inc. R2KFINANCIAL 64.82 11.74 $216.86M 1.95% - 13.89% 35.47% 10.86%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ---1.11M1.26M1.27M-1.23M1.35M1.31M-1.24M1.42M1.45M-1.42M1.31M1.52M-1.49M1.59M1.65M-1.67M1.76M1.86M-1.69M1.77M1.77M-1.70M1.76M1.81M-11.43M12.43M13.26M13.49M13.47M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income 2.45M2.43M2.37M2.07M3.03M2.94M2.52M2.50M2.39M3.06M2.71M2.59M3.43M3.46M2.85M2.49M2.85M3.16M3.34M3.56M3.23M3.54M3.35M2.93M3.16M3.80M4.35M4.59M3.16M3.71M3.59M3.46M3.32M3.44M------
EBITDA ----------------------------------------
Interest Expense -----------------------------------3.77M3.63M3.70M3.60M3.51M
Pretax Income -----------------------------------3.91M4.63M5.55M5.82M5.36M
Tax Provision -----------------------------------672.00K852.00K1.07M938.00K1.03M
Net Income 1.78M1.76M1.74M1.55M2.19M2.11M1.59M2.13M2.10M2.52M2.50M2.15M2.86M2.92M2.40M2.09M2.44M2.75M2.85M2.94M2.73M2.94M2.82M2.53M2.71M3.12M3.54M3.82M2.73M3.14M3.11M2.95M2.83M2.90M3.26M3.23M3.77M4.48M4.88M4.33M
Diluted EPS 0.530.530.520.460.660.630.480.640.630.760.750.640.860.870.720.630.730.820.840.880.820.880.830.750.810.931.061.140.820.940.930.880.850.870.970.971.131.341.461.30

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------4.46M4.97M5.25M5.53M5.76M-40.27M42.22M43.45M50.62M
Cost of Revenue ----------------
Gross Profit ----------------
Operating Expenses ----------------
Operating Income 5.44M5.53M5.49M7.34M7.92M7.17M9.40M10.55M10.66M12.32M11.84M-----
EBITDA ----------------
Interest Expense ------------1.59M9.02M14.68M14.70M
Pretax Income ------------14.23M15.05M14.17M19.91M
Tax Provision ------------2.32M2.25M2.22M3.53M
Net Income 3.87M3.97M3.92M5.07M5.59M5.20M6.86M7.44M9.25M10.32M10.13M-11.90M12.79M11.94M16.37M
Diluted EPS 1.391.431.411.822.031.872.052.232.773.093.02-3.553.823.574.89

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -452.38M438.89M459.13M444.38M472.76M715.83M743.66M758.96M794.16M827.50M1.02B1.16B1.15B1.16B1.19B1.27B
Total Equity 46.06M47.89M50.94M52.82M53.23M57.12M74.40M75.73M80.94M85.84M98.84M110.64M113.83M85.16M105.23M114.60M137.80M
Total Liabilities -404.37M387.83M406.20M391.05M415.53M641.32M667.82M677.91M708.21M728.55M906.80M1.04B1.07B1.05B1.07B1.13B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 5.61M9.29M7.36M9.82M-6.01M8.24M13.42M13.35M14.08M12.06M21.63M16.53M14.16M22.34M21.28M
Investing Cash Flow 6.75M6.76M-20.01M-3.34M-54.96M-96.25M-40.42M-22.10M-21.11M-62.41M-156.46M-144.03M-23.95M29.01M-41.83M
Financing Cash Flow -6.64M-18.71M15.54M-17.16M-13.00M24.62M7.01M23.95M17.28M174.88M131.45M21.29M-17.84M15.90M51.92M
Capital Expenditure -227.00K-580.00K-762.00K-297.00K-559.00K-1.10M-1.99M-1.27M-402.00K-2.97M-602.00K-288.00K-415.00K-627.00K-717.00K-1.35M
Free Cash Flow 5.38M8.71M6.60M9.53M-4.90M6.25M12.15M12.95M11.10M11.46M21.34M16.12M13.54M21.63M19.93M
Share Buybacks 43.00K27.00K14.00K19.00K908.00K10.00K34.00K16.00K32.00K2.00K13.00K40.00K0502.00K41.00K578.00K
Dividends Paid 2.08M2.13M2.13M2.24M2.33M2.45M2.82M2.88M3.10M3.21M3.25M3.52M3.52M3.63M3.77M4.04M

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ------210.6%212.5%202.9%223.0%205.5%-----
Net Margin % ------153.8%149.8%176.1%186.8%175.9%-29.6%30.3%27.5%32.3%
ROE % 8.1%7.8%7.4%9.5%9.8%7.0%9.1%9.2%10.8%10.4%9.2%-14.0%12.2%10.4%11.9%
ROCE % ----------------

Shareholding Pattern

Insiders
4.14%
Institutions
27.32%
Public Float
28.50%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 5.94% 198.57K $12.39M
2 Vanguard Capital Management LLC 4.27% 142.86K $8.91M
3 Geode Capital Management, LLC 2.53% 84.64K $5.28M
4 Siena Capital Partners GP, LLC 1.49% 49.95K $3.12M
5 State Street Corporation 1.40% 46.96K $2.93M
6 Farther Finance Advisors, Llc 1.13% 37.63K $2.35M
7 Bridgeway Capital Management, LLC 1.07% 35.89K $2.24M
8 HighTower Advisors, LLC 0.84% 28.12K $1.75M
9 Northern Trust Corporation 0.78% 26.20K $1.63M
10 Dimensional Fund Advisors LP 0.75% 25.19K $1.57M

Analyst View

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Latest News

Recent headlines for FCAP

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First Capital (NASDAQ:FCAP) Shares Cross Above 200 Day Moving Average - Should You Sell? - marketbeat.com

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FCAP — Frequently Asked Questions

What is the current share price of First Capital, Inc. (FCAP)?

As of 2026-09-07 16:24 PDT, First Capital, Inc. (FCAP) trades at $64.82 on NasdaqCM. Its 52-week range is $35.14 to $68.91.

What is the market capitalisation of FCAP?

First Capital, Inc. (FCAP) has a market capitalisation of $216.86M on NasdaqCM.

What is the P/E ratio of FCAP?

FCAP trades at a trailing price-to-earnings (P/E) ratio of 11.74. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.50.

Does FCAP pay a dividend?

First Capital, Inc. (FCAP) currently offers a dividend yield of 1.95%.

What is the return on equity (ROE) of FCAP?

FCAP has a return on equity (ROE) of 13.89%.

Is FCAP a good stock to buy?

This page provides a data-driven analysis of First Capital, Inc. (FCAP), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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