First Capital (FCAP) Price & Analysis

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FCAP Stock Chart & Stats

$58.27

$0.75(2.33%)

At close: Jan 08 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

$170.06M

Enterprise Value$66.06M

Total Cash (Recent Filing)$553.09M

Total Debt (Recent Filing)$0.00

Price to Earnings (P/E)10.4

Beta0.09

Next Earnings

Apr 24, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.96%

Share Statistics

EPS (TTM)1.46

Shares Outstanding3,347,627

10 Day Avg. Volume2,805

30 Day Avg. Volume3,318

Financial Highlights & Ratios

PEG Ratio-1.38

Price to Book (P/B)0.94

Price to Sales (P/S)1.86

P/FCF Ratio4.99

Enterprise Value/Market Cap0.39

Enterprise Value/Revenue1.04

Enterprise Value/Gross Profit1.40

Enterprise Value/Ebitda3.45

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

High Net MarginSustained TTM net margin near 26% indicates durable earnings power for a regional bank. High margins provide a buffer versus credit losses and funding cost increases, support reinvestment in branches/services, and underpin stable internal capital generation over months.

Minimal Financial LeverageZero reported total debt and stronger equity levels signal a conservatively capitalized balance sheet. This reduces interest expense sensitivity, increases resilience to localized credit stress, and gives management flexibility to support lending or absorb shocks without raising external debt.

Strong Cash ConversionFCF at ~95% of net income and solid operating cash flow show high earnings quality and cash generative ability. Reliable cash supports dividends, branch/lending investments, and organic growth, reducing reliance on capital markets for near-term funding needs.

Bears Say

Sharp Revenue DeclineA roughly 24.5% TTM revenue drop is a material structural headwind. Lower top-line scale can erode operating leverage, limit funds available for reserves and growth, and signal weakening loan origination or fee income that may persist absent strategic remediation.

Earnings Trend WeakeningFalling annual net income reduces retained earnings and ROE, constraining capital available for lending and strategic initiatives. A multi-year downtrend raises questions about sustainable profitability and could force more conservative underwriting or cost actions over the medium term.

Variable Cash Flow GrowthPeriodic variability in FCF growth increases forecasting and planning risk for a community bank. Inconsistent cash conversion can necessitate precautionary liquidity buffers or reliance on deposit stability, complicating capital allocation and durable loan growth execution.

First Capital News

First Capital Schedules Upcoming 2026 Annual Stockholders Meeting

An update from First Capital ( ($FCAP) ) is now available. First Capital, Inc., the parent of First...

12d ago

FCAP

First Capital trading resumes

09:58 EDT First Capital (FCAP) trading resumes Published first on TheFly – the ultimate source for real-time, market-moving...

5M ago

FCAP

First Capital trading halted, volatility trading pause

09:53 EDT First Capital (FCAP) trading halted, volatility trading pause Published first on TheFly – the ultimate source...

5M ago

FCAP

First Capital Announces New Stock Repurchase Plan

An update from First Capital ( ($FCAP) ) is now available. On August 29, 2025, First Capital, Inc....

6M ago

FCAP

First Capital increases quarterly dividend 6.9% to 31c per share

The board of directors of First Capital (FCAP) has declared a quarterly cash dividend of 31c per share...

6M ago

FCAP

First Capital, Inc. Reports Strong Quarterly Earnings

First Capital ( ($FCAP) ) has released its Q2 earnings. Here is a breakdown of the information First...

7M ago

FCAP

First Capital reports Q2 EPS $1.13 vs. 85c last year

The company said, “Net interest income after provision for credit losses increased $1.8 million for the quarter ended...

7M ago

FCAP

First Capital Holds Annual Shareholders Meeting

The latest announcement is out from First Capital ( ($FCAP) ). On May 21, 2025, First Capital held...

9M ago

FCAP

First Capital, Inc. Reports Steady Q1 2025 Earnings

First Capital ( ($FCAP) ) has released its Q1 earnings. Here is a breakdown of the information First...

10M ago

FCAP

First Capital reports Q1 EPS 97c vs. 88c last year

The company said, “Net interest income after provision for credit losses increased $923,000 for the quarter ended March...

10M ago

FCAP

First Capital, Inc. Reports Stable Financial Results for 2024

First Capital ( ($FCAP) ) has released its Q4 earnings. Here is a breakdown of the information First...

1y ago

FCAP

First Capital increases quarterly dividend 7.4% to 29c per share

First Capital has declared a quarterly cash dividend of 29c per share of common stock. The dividend will...

2y ago

FCAP

First Capital reports Q2 EPS 85c vs. 82c last year

Reports Q2 community bank leverage ratio 10.44%. The company said, “Net interest income after provision for credit losses...

2y ago

FCAP

First Capital Announces Board Reshuffle and Shareholder Meeting Outcomes

The latest announcement is out from First Capital (FCAP). First Capital, Inc. announced the resignation of board member...

2y ago

FCAP

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 $170.06M.

When is First Capital’s upcoming earnings report date?

First Capital’s upcoming earnings report date is Apr 24, 2026 which is in 52 days.

How were First Capital’s earnings last quarter?

First Capital released its earnings results on Jan 23, 2026. The company reported $1.46 earnings per share for the quarter, beating the consensus estimate of N/A by $1.46.

Is First Capital overvalued?

According to Wall Street analysts First Capital’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

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 3,347,627 shares outstanding.

What happened to First Capital’s price movement after its last earnings report?

First Capital reported an EPS of $1.46 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.143%.

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

Technicals

Fundamentals

Return on Equity

11.84%

Trailing 12-Months

Asset Growth

3.88%

Trailing 12-Months

Top Smart Score Stocks >

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.