First Capital (FCAP)
NASDAQ:FCAP
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
$181.16M
Enterprise Value$72.67M
Total Cash (Recent Filing)$538.15M
Total Debt (Recent Filing)$3.00K
Price to Earnings (P/E)10.1
Beta0.15
Next Earnings
Apr 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.96%
Share Statistics
EPS (TTM)1.46
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 Cap0.40
Enterprise Value/Revenue1.11
Enterprise Value/Gross Profit1.47
Enterprise Value/Ebitda3.50
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
Steady Revenue GrowthMulti-year revenue expansion to $65.3M by 2025 indicates durable organic growth in lending and deposits. Sustained top-line growth supports scale in fee income, funds reinvestment in branches and digital channels, and provides a stable base for future loan origination and service revenue.
Strong Operating MarginsElevated 2025 net and operating margins reflect efficient operations and pricing power for a community bank. Durable margins improve resilience to credit loss cycles, support internal capital accumulation, and give flexibility to maintain dividends or fund strategic investments without immediate external financing.
Conservative Balance SheetZero reported debt and a stable asset base imply low financial leverage and strong capital cushions. Conservative funding reduces default and refinancing risk, preserves regulatory flexibility, and allows measured loan growth from internal resources, enhancing resilience through economic cycles.
Bears Say
Weakened Cash GenerationA dramatic decline in operating cash flow and nearly 79% fall in free cash flow indicate weaker cash conversion and higher volatility. This reduces capacity to fund lending, dividends, or branch/digital investment internally and increases reliance on earnings recovery or external funding to support growth.
Declining Return On EquityROE falling sharply signals that the enlarged capital base is generating materially less profit. Persistently low ROE weakens shareholder returns, may pressure management toward higher-risk asset growth or capital actions, and could constrain long-term ability to attract equity without strategy shifts.
Limited Geographic ScaleA concentrated branch footprint limits geographic diversification and scale economies versus larger regional peers. This raises sensitivity to local economic cycles and loan concentration risks, constraining fee diversification and making long-term growth 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 $181.16M.
When is First Capital’s upcoming earnings report date?
First Capital’s upcoming earnings report date is Apr 24, 2026 which is in 10 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.
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 $1.46 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
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
56.71%
12-Months-Change
Fundamentals
Return on Equity
9.16%
Trailing 12-Months
Asset Growth
7.11%
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
―
Citizens Community Bancorp
―
Landmark Bancorp
―
MainStreet Bancshares
―
BV Financial, Inc.
―
Ownership Overview
0.57% Insiders
8.79% Mutual Funds
3.51% Other Institutional Investors
78.13% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---