First Capital (FCAP) AI Stock Analysis

• Market Cap: $133.58M
• Dividend Yield: 2.86%
• Average Volume (3M): 5.86K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.15
• Revenue Growth: 13.72%
• EPS Growth: -6.60%
• Country: US
• Employees: 177
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 3.57
• Shares Outstanding: 3,355,353
• 10 Day Avg. Volume: 8,129
• 30 Day Avg. Volume: 5,857
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.00
• Price to Cash Flow (P/CF): 4.20
• P/FCF Ratio: 2.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

FCAP showcases a strong financial foundation with consistent revenue growth and a robust balance sheet. However, the recent decline in profitability margins and cash flow generation presents a risk. Technical analysis indicates strong upward momentum, while valuation metrics suggest the stock is potentially undervalued. The overall score reflects these strengths and the need for improvements in profitability and cash flow.

First Capital Business Overview & Revenue Model

Company Description

First Capital (FCAP) is a financial services company that operates primarily in the banking sector. The company provides a range of banking products and services, including personal and commercial banking, mortgage lending, and wealth management solutions to individuals, businesses, and institutions.

How the Company Makes Money

First Capital makes money through various revenue streams, primarily interest earned on loans and mortgages issued to customers. The company also generates income from service fees associated with banking transactions, wealth management services, and other financial advisory services. Additionally, First Capital may engage in investment activities, earning returns on its portfolio of securities and other financial instruments. Significant partnerships with other financial institutions and businesses could also contribute to its earnings by expanding its customer base and service offerings.

First Capital Financial Statement Overview

Summary

First Capital demonstrates a strong financial position with consistent revenue growth and a solid balance sheet, highlighted by a debt-free status. However, a decline in net profit margin and return on equity, along with challenges in cash flow generation, raises concerns about profitability and cash flow management.

Income Statement

First Capital has shown consistent revenue growth over the years with a steady increase in total revenue from 2019 to 2024. The gross profit margin remains strong at 100% due to the nature of the banking industry. However, net profit margin slightly decreased from 30.6% in 2023 to 28.4% in 2024, indicating a slight dip in profitability. The absence of EBIT and EBITDA in the latest period limits the analysis of operational efficiency.

Balance Sheet

The company maintains a strong balance sheet with no total debt in 2024, contributing to a favorable debt-to-equity ratio of 0. The equity ratio improved to 9.7% in 2024, reflecting good financial health. However, the return on equity decreased from 12.1% in 2023 to 10.4% in 2024, indicating a slight decline in profitability from shareholders' equity.

Cash Flow

The cash flow statement shows challenges, as the company reported no operating cash flow or free cash flow in 2024, indicating potential issues in cash generation. Previously, free cash flow was positive, highlighting a stark shift in cash flow management. The lack of cash flow data in the latest period constrains a comprehensive analysis.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
42.00M	41.08M	40.28M	37.86M	36.67M
	Gross Profit
42.00M	42.22M	40.28M	37.86M	36.67M
	EBIT
42.00M	0.00	17.83M	13.66M	11.82M
	EBITDA
0.00	0.00	15.30M	14.82M	13.04M
	Net Income Common Stockholders
11.94M	12.79M	11.90M	11.42M	10.13M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
105.92M	506.53M	530.94M	479.61M	325.05M
	Total Assets
1.19B	1.16B	1.15B	1.16B	1.02B
	Total Debt
0.00	21.50M	42.00K	60.00K	77.00K
	Net Debt
-105.92M	-5.60M	-32.69M	-32.21M	-41.47M
	Total Liabilities
1.07B	1.05B	1.07B	97.00K	153.00K
	Stockholders Equity
114.60M	105.23M	85.16M	113.83M	110.64M
Cash Flow		Free Cash Flow
0.00	13.54M	16.12M	21.34M	11.46M
	Operating Cash Flow
0.00	14.16M	16.53M	21.63M	12.06M
	Investing Cash Flow
0.00	-23.95M	-144.03M	-156.46M	-62.41M
	Financing Cash Flow
0.00	-17.84M	21.29M	131.45M	174.88M

First Capital Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 39.74
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCAP, the sentiment is Positive. The current price of 39.74 is above the 20-day moving average (MA) of 38.35, above the 50-day MA of 36.61, and above the 200-day MA of 33.09, indicating a bullish trend. The MACD of 0.72 indicates Positive momentum. The RSI at 64.54 is Neutral, neither overbought nor oversold. The STOCH value of 39.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FCAP.

First Capital Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FCAP	78 Outperform	$133.58M	11.16	10.86%	2.86%	13.72%	-6.60%
SRCE	75 Outperform	$1.38B	10.40	12.51%	2.52%	12.26%	7.48%
OPOF	72 Outperform	$192.36M	20.07	8.61%	1.49%	6.90%	21.84%
FFBC	71 Outperform	$2.12B	9.24	9.72%	4.29%	9.95%	-11.02%
FMBH	65 Neutral	$746.81M	9.43	9.62%	3.05%	17.70%	3.88%
CASS	64 Neutral	$527.96M	28.18	8.36%	3.11%	3.13%	-36.13%
Sector *	64 Neutral	$13.21B	9.26	9.39%	4.87%	16.14%	-8.87%