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
$210.77M
Enterprise Value$60.36M
Total Cash (Recent Filing)$409.64M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)12.0
Beta0.15
Next Earnings
Jul 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.96%
Share Statistics
EPS (TTM)5.23
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 Ratio9.94
Enterprise Value/Market Cap0.29
Enterprise Value/Revenue0.90
Enterprise Value/Gross Profit1.17
Enterprise Value/Ebitda2.69
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
Conservative Balance SheetZero reported debt and minimal leverage provide durable capital flexibility and resilience. This conservatism supports credit loss absorption, regulatory capital buffers and strategic lending or dividend capacity during stress, lowering bankruptcy and refinancing risk over months.
High Profitability And MarginsSustained high net and EBIT margins indicate efficient operations and pricing power in core lending and fee businesses. Strong margins create recurring earnings capacity to fund growth, dividends and capital build, and provide a cushion against rising credit costs or margin compression.
Strong Cash GenerationFree cash flow nearly equals net income, showing high earnings quality and convertibility to cash. Reliable FCF enables internal funding for lending, technology or shareholder returns without heavy external financing, supporting strategic initiatives and balance sheet strength.
Bears Say
Revenue Growth Volatility / Visibility RiskA one-time large revenue jump materially departs from historical mid-single to low-double-digit trends, reducing confidence in sustained top-line momentum. This volatility hampers forecasting, can reflect nonrecurring items, and raises uncertainty about repeatable earnings over months.
Uneven Multi-year Cash Flow PatternAlthough recent FCF is strong, prior negative or flat cash flows show inconsistency in cash conversion. This variability complicates capital planning and dividend sustainability, and increases reliance on high-turnover or episodic items to deliver future free cash flow.
Concentration On Net Interest IncomeHeavy dependence on net interest income ties profitability to loan demand, net interest margin trends and local economic cycles. Limited fee diversification increases cyclicality and exposes results to deposit/funding cost shifts and regional credit stress over the medium term.
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 $210.77M.
When is First Capital’s upcoming earnings report date?
First Capital’s upcoming earnings report date is Jul 24, 2026 which is in 30 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
13.14%
Trailing 12-Months
Asset Growth
5.73%
Trailing 12-Months
Company Description
First Capital
First Capital, Inc. (FCAP) functions as the parent holding company for First Harrison Bank, delivering a comprehensive range of financial services to both individual consumers and corporate entities. The institution provides a diverse selection of deposit accounts, including standard checking (non-interest-bearing), interest-bearing checking (NOW accounts), money market accounts, conventional savings options, certificates of deposit, and specialized retirement savings programs. In its lending operations, First Capital extends various real estate mortgage offerings such as fixed-rate and adjustable-rate home loans, construction financing for both residential and commercial projects, and commercial property loans. It also supplies direct financing solutions for commercial businesses. Additionally, the company originates mortgage loans for subsequent sale in the secondary market and offers a variety of non-deposit investment opportunities. For individual borrowers, the bank provides a broad spectrum of secured and guaranteed consumer loans, covering everything from vehicle purchases (automobiles and trucks), home equity lines, and property improvement loans, to boat and mobile home financing, and loans collateralized by savings deposits. Unsecured personal loans are also available. Customers can access these products and services through a network of eighteen branches spread across Indiana and Kentucky. First Capital, Inc., established in 1891, has its corporate headquarters 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
0.47% Insiders
8.83% Mutual Funds
3.52% Other Institutional Investors
78.03% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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