First Capital (FCAP) AI Stock Analysis

• Market Cap: $153.50M
• Dividend Yield: 2.7%
• Average Volume (3M): 4.40K
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.18
• Revenue Growth: 12.43%
• EPS Growth: 9.45%
• Country: US
• Employees: 173
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.13
• Shares Outstanding: 3,355,118
• 10 Day Avg. Volume: 3,800
• 30 Day Avg. Volume: 4,404
• PEG Ratio: -1.38
• Price to Book (P/B): 0.94
• Price to Sales (P/S): 1.86
• P/FCF Ratio: 4.99
• Enterprise Value/Market Cap: 0.73
• Enterprise Value/Revenue: 1.83
• Enterprise Value/Gross Profit: 2.51
• Enterprise Value/Ebitda: 6.58
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: ―

First Capital's overall stock score reflects its strong financial foundation and consistent revenue growth, which are slightly offset by profitability and cash flow challenges. Technical analysis shows strong upward momentum but raises caution for potential overbought conditions. The valuation appears reasonable, offering a decent dividend yield, making the stock moderately attractive.

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 robust financial position with consistent revenue growth and a strong balance sheet. However, the decline in net profit margin and return on equity, coupled with a lack of cash flow generation in the latest period, poses concerns. The company should focus on improving profitability and cash flow management to maintain financial stability.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	61.38M	58.13M	51.24M	41.87M	39.01M	38.23M
Gross Profit	44.67M	42.00M	41.08M	39.32M	38.21M	34.87M
EBITDA	17.05M	15.27M	16.08M	15.30M	14.82M	13.04M
Net Income	13.17M	11.94M	12.79M	11.90M	11.42M	10.13M
Balance Sheet
Total Assets	1.24B	1.19B	1.16B	1.15B	1.16B	1.02B
Cash, Cash Equivalents and Short-Term Investments	532.39M	91.68M	464.37M	493.55M	479.61M	325.05M
Total Debt	0.00	4.00K	21.50M	42.00K	60.00K	77.00K
Total Liabilities	1.12B	1.07B	1.05B	1.07B	1.04B	906.80M
Stockholders Equity	123.20M	114.60M	105.23M	85.16M	113.83M	110.64M
Cash Flow
Free Cash Flow	18.86M	21.63M	13.54M	16.12M	21.34M	11.46M
Operating Cash Flow	19.75M	22.34M	14.16M	16.53M	21.63M	12.06M
Investing Cash Flow	5.48M	29.01M	-23.95M	-144.03M	-156.46M	-62.41M
Financing Cash Flow	58.79M	15.90M	-17.84M	21.29M	131.45M	174.88M

First Capital Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 43.75
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCAP, the sentiment is Neutral. The current price of 43.75 is below the 20-day moving average (MA) of 45.34, above the 50-day MA of 41.28, and above the 200-day MA of 39.67, indicating a neutral trend. The MACD of 0.99 indicates Positive momentum. The RSI at 47.09 is Neutral, neither overbought nor oversold. The STOCH value of 12.76 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FCAP.

First Capital Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	69 Neutral	$151.23M	9.30	11.80%	3.21%	14.58%	43.66%
FCAP	68 Neutral	$153.50M	11.63	11.40%	2.70%	12.43%	9.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CFBK	65 Neutral	$154.10M	8.60	10.42%	1.25%	3.76%	38.14%
CZWI	64 Neutral	$156.94M	12.84	6.93%	2.26%	-0.96%	-7.38%
BVFL	61 Neutral	$153.07M	14.88	5.31%	―	5.08%	-12.60%
MNSB	52 Neutral	$153.73M	14.43	-4.04%	2.03%	4.08%	-172.13%