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First Capital (FCAP)
NASDAQ:FCAP
US Market
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First Capital (FCAP) AI Stock Analysis

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FCAP

First Capital

(NASDAQ:FCAP)

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Outperform 72 (OpenAI - 4o)
Rating:72Outperform
Price Target:
$47.00
▲(11.24% Upside)
First Capital's strong valuation and solid financial position are offset by concerns over declining profitability and cash flow issues. Technical indicators suggest a lack of strong momentum, contributing to a moderate overall score.

First Capital (FCAP) vs. SPDR S&P 500 ETF (SPY)

First Capital Business Overview & Revenue Model

Company DescriptionFirst Capital (FCAP) is a financial services company that operates primarily in the banking and investment sectors. It offers a range of products and services, including commercial banking, asset management, and lending solutions, targeting both individual and corporate clients. FCAP focuses on delivering innovative financial solutions and building long-term relationships with its customers to facilitate their financial growth and success.
How the Company Makes MoneyFirst Capital generates revenue through several key streams: interest income from loans and credit facilities provided to customers, fees from account maintenance and transaction services, and commissions on investment products and asset management services. Additionally, the company may engage in strategic partnerships with financial institutions, which can enhance its product offerings and drive customer acquisition. The performance of its investment portfolio also contributes to earnings, as capital gains and dividends from securities held can significantly impact overall profitability.

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
75
Positive
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
80
Positive
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
65
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue61.38M58.13M51.24M41.87M39.01M38.23M
Gross Profit44.67M42.00M41.08M39.32M38.21M34.87M
EBITDA17.05M15.27M16.08M15.30M14.82M13.04M
Net Income13.17M11.94M12.79M11.90M11.42M10.13M
Balance Sheet
Total Assets1.24B1.19B1.16B1.15B1.16B1.02B
Cash, Cash Equivalents and Short-Term Investments532.39M91.68M464.37M493.55M479.61M325.05M
Total Debt0.004.00K21.50M42.00K60.00K77.00K
Total Liabilities1.12B1.07B1.05B1.07B1.04B906.80M
Stockholders Equity123.20M114.60M105.23M85.16M113.83M110.64M
Cash Flow
Free Cash Flow18.86M21.63M13.54M16.12M21.34M11.46M
Operating Cash Flow19.75M22.34M14.16M16.53M21.63M12.06M
Investing Cash Flow5.48M29.01M-23.95M-144.03M-156.46M-62.41M
Financing Cash Flow58.79M15.90M-17.84M21.29M131.45M174.88M

First Capital Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price42.25
Price Trends
50DMA
42.81
Negative
100DMA
41.40
Positive
200DMA
40.38
Positive
Market Momentum
MACD
-0.39
Positive
RSI
47.85
Neutral
STOCH
75.09
Neutral
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 42.25 is below the 20-day moving average (MA) of 42.86, below the 50-day MA of 42.81, and above the 200-day MA of 40.38, indicating a neutral trend. The MACD of -0.39 indicates Positive momentum. The RSI at 47.85 is Neutral, neither overbought nor oversold. The STOCH value of 75.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FCAP.

First Capital Risk Analysis

First Capital disclosed 32 risk factors in its most recent earnings report. First Capital reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

First Capital Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
$141.35M9.5911.84%2.79%11.62%25.07%
$149.90M9.2311.80%3.24%14.58%43.66%
$18.00B11.429.92%3.81%9.73%1.22%
$162.61M8.4710.42%1.28%3.76%38.14%
$164.90M15.195.32%4.86%-8.20%
$154.47M12.217.00%2.29%-1.99%-9.46%
$149.49M-13.32-2.07%2.09%1.92%-174.59%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FCAP
First Capital
42.13
6.88
19.52%
CFBK
CF Bankshares
23.39
-1.65
-6.59%
CZWI
Citizens Community Bancorp
15.65
1.84
13.32%
LARK
Landmark Bancorp
25.93
6.55
33.80%
MNSB
MainStreet Bancshares
18.53
1.64
9.71%
BVFL
BV Financial, Inc.
16.50
0.90
5.77%

First Capital Corporate Events

Business Operations and StrategyStock Buyback
First Capital Announces New Stock Repurchase Plan
Positive
Aug 29, 2025

On August 29, 2025, First Capital, Inc. announced a new Joint Rule 10b5-1/Rule 10b-18 Plan Agreement to repurchase up to 113,236 shares of its common stock starting September 4, 2025, until August 28, 2026. This plan, aligned with the company’s long-term capital allocation strategy, aims to provide flexibility in responding to market conditions while enhancing shareholder value, reflecting the board’s confidence in the company’s strategic direction and long-term value creation.

First Capital, Inc. Reports Strong Quarterly Earnings
Jul 26, 2025

First Capital, Inc., the holding company for First Harrison Bank, operates in the financial sector, providing banking services across Indiana and Kentucky. The company has reported a significant increase in its quarterly earnings, with net income rising to $3.8 million, or $1.13 per diluted share, compared to $2.8 million, or $0.85 per diluted share, in the same period last year. This growth is attributed to higher net interest income, driven by increased interest-earning assets and improved interest margins.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 23, 2025