First Capital (FCAP)
NASDAQ:FCAP
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FCAP Stock Chart & Stats
$58.27
$0.75(2.33%)
At close: 4:00 PM EST
$58.27
$0.75(2.33%)
Day’s Range― - ―
52-Week Range$33.73 - $71.00
Previous CloseN/A
Volume368.00
Average Volume (3M)3.32K
Market Cap
$182.53M
Enterprise Value$39.56M
Total Cash (Recent Filing)$391.73M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)9.6
Beta0.16
Next Earnings
Jul 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.96%
Share Statistics
EPS (TTM)4.90
Shares Outstanding3,345,531
10 Day Avg. Volume2,805
30 Day Avg. Volume3,318
Financial Highlights & Ratios
PEG Ratio0.33
Price to Book (P/B)1.44
Price to Sales (P/S)3.03
P/FCF Ratio9.84
Enterprise Value/Market Cap0.22
Enterprise Value/Revenue0.61
Enterprise Value/Gross Profit0.80
Enterprise Value/Ebitda1.91
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained top-line growth from $38.2M to $65.3M over five years indicates durable demand for core banking products. For a community bank, this supports recurring interest income and fee generation, improving scale and underwriting data, and underpinning earnings resilience over the next several quarters.
Strong Margins / Operating LeverageHigh and improving operating and net margins show the bank extracts substantial profit from revenues and benefits from operating leverage. Margins at these levels give buffer against modest loan losses or funding cost rises and support sustainable earnings generation over a multi‑quarter horizon.
Conservative Balance SheetVery low reported debt in 2024–2025 and stable asset base reduce financial risk and preserve funding flexibility. A conservative capital structure lowers refinancing pressure and helps the bank absorb shocks, making capital management and regulatory compliance easier over coming quarters.
Bears Say
Deteriorating Cash GenerationA large, year‑over‑year collapse in operating and free cash flow weakens internal funding for lending, branch investment, and dividends. The sharp swing increases reliance on deposit funding or capital actions and raises the risk that earnings improvements may not translate into available cash in the near term.
Declining Return On EquityA material ROE contraction signals reduced efficiency of capital deployment, possibly from higher equity or compressed spreads. Low ROE limits shareholder return potential and constrains the bank's ability to grow equity‑dependent activities without dilutive capital actions over the medium term.
Limited Scale & Regional ConcentrationA small, regional branch footprint concentrates credit and deposit exposure to local economic cycles and limits fee diversification. Scale constraints make it harder to invest in technology or expand product breadth, leaving growth and margin expansion more dependent on local market conditions.
First Capital News
FCAP FAQ
What was First Capital’s price range in the past 12 months?
First Capital lowest stock price was $33.73 and its highest was $71.00 in the past 12 months.
What is First Capital’s market cap?
First Capital’s market cap is $182.53M.
When is First Capital’s upcoming earnings report date?
First Capital’s upcoming earnings report date is Jul 24, 2026 which is in 80 days.
How were First Capital’s earnings last quarter?
First Capital released its earnings results on Apr 24, 2026. The company reported $1.297 earnings per share for the quarter, beating the consensus estimate of N/A by $1.297.
Is First Capital overvalued?
According to Wall Street analysts First Capital’s price is currently Overvalued.
Does First Capital pay dividends?
First Capital pays a Quarterly dividend of $0.31 which represents an annual dividend yield of 1.96%. See more information on First Capital dividends here
What is First Capital’s EPS estimate?
First Capital’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does First Capital have?
First Capital has 3,345,531 shares outstanding.
What happened to First Capital’s price movement after its last earnings report?
First Capital reported an EPS of $1.297 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.011%.
Which hedge fund is a major shareholder of First Capital?
Currently, no hedge funds are holding shares in FCAP
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Capital Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
56.71%
12-Months-Change
Fundamentals
Return on Equity
13.60%
Trailing 12-Months
Asset Growth
5.73%
Trailing 12-Months
Company Description
First Capital
First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers. The company offers 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 provides real estate mortgage loans, such as fixed-rate and adjustable rate mortgage residential loans, construction loans for residential and commercial properties, and commercial real estate loans, as well as commercial business loans. In addition, the company originates mortgage loans for sale in the secondary market and sells non-deposit investment products; and offers various secured or guaranteed consumer loans comprising automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans, and loans secured by savings deposits, as well as unsecured consumer loans. It provides its products and services through 18 locations in Indiana and Kentucky. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.
Technical Analysis
CF Bankshares
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Citizens Community Bancorp
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Landmark Bancorp
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MainStreet Bancshares
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BV Financial, Inc.
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Ownership Overview
0.57% Insiders
8.76% Mutual Funds
0.49% Other Institutional Investors
81.10% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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