First Capital, Inc. FCAP R2K

Financial Services · Banks - Regional · United States

https://www.firstharrison.com

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.

Market & Price

Market Cap

$206.79M

Current Price

$61.81

High / Low (52W)

$69.24 / $34.44

Beta

0.70

Valuation

Stock P/E

11.84

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$41.26

Price to Book

1.50

P/S

4.02

EV/EBITDA

Dividend Yield

1.98%

Profitability & Returns

ROCE

ROE

13.53%

ROA

1.40%

Profit Margin

33.91%

Op Margin

40.89%

EPS (Latest Qtr)

$1.30

EPS (TTM)

$5.22

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

Total Assets

$1.27B

Current Assets

Working Capital

Ownership

Promoter Holding

4.14%

Chg in Prom Hold

FII / Inst Holding

26.70%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$56.04M

Total Revenue (TTM)

$51.50M

EBITDA

Free Cash Flow

Operating Cash Flow

$23.24M

Shares Outstanding

3.35M

Gross Margin

0.00%

Payout Ratio

23.37%

Growth (CAGR)

Revenue 5Y

7.92%

Profit 5Y

11.20%

Revenue (YoY)

18.30%

Earnings (YoY)

34.30%

PROS

Excellent profit margin of 33.9%.
Profit CAGR of 11.2% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FCAP First Capital, Inc. R2K	61.81	11.84	$206.79M	1.98%	-	13.53%	7.92%	11.20%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	1.11M	1.26M	1.27M	-	1.23M	1.35M	1.31M	-	1.24M	1.42M	1.45M	-	1.42M	1.31M	1.52M	-	1.49M	1.59M	1.65M	-	1.67M	1.76M	1.86M	-	1.69M	1.77M	1.77M	-	1.70M	1.76M	1.81M	-	11.43M	12.43M	13.26M	13.49M	13.47M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	2.45M	2.43M	2.37M	2.07M	3.03M	2.94M	2.52M	2.50M	2.39M	3.06M	2.71M	2.59M	3.43M	3.46M	2.85M	2.49M	2.85M	3.16M	3.34M	3.56M	3.23M	3.54M	3.35M	2.93M	3.16M	3.80M	4.35M	4.59M	3.16M	3.71M	3.59M	3.46M	3.32M	3.44M	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.77M	3.63M	3.70M	3.60M	3.51M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.91M	4.63M	5.55M	5.82M	5.36M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	672.00K	852.00K	1.07M	938.00K	1.03M
Net Income	1.78M	1.76M	1.74M	1.55M	2.19M	2.11M	1.59M	2.13M	2.10M	2.52M	2.50M	2.15M	2.86M	2.92M	2.40M	2.09M	2.44M	2.75M	2.85M	2.94M	2.73M	2.94M	2.82M	2.53M	2.71M	3.12M	3.54M	3.82M	2.73M	3.14M	3.11M	2.95M	2.83M	2.90M	3.26M	3.23M	3.77M	4.48M	4.88M	4.33M
Diluted EPS	0.53	0.53	0.52	0.46	0.66	0.63	0.48	0.64	0.63	0.76	0.75	0.64	0.86	0.87	0.72	0.63	0.73	0.82	0.84	0.88	0.82	0.88	0.83	0.75	0.81	0.93	1.06	1.14	0.82	0.94	0.93	0.88	0.85	0.87	0.97	0.97	1.13	1.34	1.46	1.30

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	4.46M	4.97M	5.25M	5.53M	5.76M	-	40.27M	42.22M	43.45M	50.62M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	5.44M	5.53M	5.49M	7.34M	7.92M	7.17M	9.40M	10.55M	10.66M	12.32M	11.84M	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	1.59M	9.02M	14.68M	14.70M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	14.23M	15.05M	14.17M	19.91M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	2.32M	2.25M	2.22M	3.53M
Net Income	3.87M	3.97M	3.92M	5.07M	5.59M	5.20M	6.86M	7.44M	9.25M	10.32M	10.13M	-	11.90M	12.79M	11.94M	16.37M
Diluted EPS	1.39	1.43	1.41	1.82	2.03	1.87	2.05	2.23	2.77	3.09	3.02	-	3.55	3.82	3.57	4.89

Compounded Sales Growth

5 Years:	7.92%
1 Year:	18.30%

Compounded Profit Growth

5 Years:	11.20%
1 Year:	34.30%

Stock Price Performance

1 Year:	+28.99%
6 Months:	+25.32%
3 Months:	+22.48%
1 Month:	+15.49%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	452.38M	438.89M	459.13M	444.38M	472.76M	715.83M	743.66M	758.96M	794.16M	827.50M	1.02B	-	1.15B	1.16B	1.19B	1.27B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	32.73M	27.10M	108.61M	138.76M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	4.29M	4.79M	4.58M	5.10M
Total Liabilities	-	404.37M	387.83M	406.20M	391.05M	415.53M	641.32M	667.82M	677.91M	708.21M	728.55M	906.80M	-	1.07B	1.05B	1.07B	1.13B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.50M	-	-
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.50M	-	-
Total Equity	46.06M	47.89M	50.94M	52.82M	53.23M	57.12M	74.40M	75.73M	80.94M	85.84M	98.84M	110.64M	-	85.16M	105.23M	114.60M	137.80M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	3.80M	3.80M	3.81M	3.81M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	5.61M	9.29M	7.36M	9.82M	-	6.01M	8.24M	13.42M	13.35M	14.08M	12.06M	-	16.53M	14.16M	22.34M	21.28M
Investing Cash Flow	6.75M	6.76M	-20.01M	-3.34M	-	54.96M	-96.25M	-40.42M	-22.10M	-21.11M	-62.41M	-	-144.03M	-23.95M	29.01M	-41.83M
Financing Cash Flow	-6.64M	-18.71M	15.54M	-17.16M	-	13.00M	24.62M	7.01M	23.95M	17.28M	174.88M	-	21.29M	-17.84M	15.90M	51.92M
Capital Expenditure	-227.00K	-580.00K	-762.00K	-297.00K	-559.00K	-1.10M	-1.99M	-1.27M	-402.00K	-2.97M	-602.00K	-	-415.00K	-627.00K	-717.00K	-1.35M
Free Cash Flow	5.38M	8.71M	6.60M	9.53M	-	4.90M	6.25M	12.15M	12.95M	11.10M	11.46M	-	16.12M	13.54M	21.63M	19.93M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-106.21M	-27.63M	67.25M	31.37M
Share Buybacks	43.00K	27.00K	14.00K	19.00K	908.00K	10.00K	34.00K	16.00K	32.00K	2.00K	13.00K	40.00K	0	502.00K	41.00K	578.00K
Dividends Paid	2.08M	2.13M	2.13M	2.24M	2.33M	2.45M	2.82M	2.88M	3.10M	3.21M	3.25M	3.52M	3.52M	3.63M	3.77M	4.04M

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 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

26.70%

Public Float

27.85%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	5.20%	174.01K	$10.76M
2	Vanguard Capital Management LLC	4.47%	149.42K	$9.24M
3	Geode Capital Management, LLC	2.41%	80.51K	$4.98M
4	Siena Capital Partners GP, LLC	1.96%	65.42K	$4.04M
5	State Street Corporation	1.39%	46.36K	$2.87M
6	Farther Finance Advisors, Llc	1.15%	38.40K	$2.37M
7	Bridgeway Capital Management, LLC	1.07%	35.89K	$2.22M
8	HighTower Advisors, LLC	0.84%	28.13K	$1.74M
9	Dimensional Fund Advisors LP	0.74%	24.85K	$1.54M
10	Northern Trust Corporation	0.72%	23.92K	$1.48M

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FCAP · Financial Services