First Capital (FCAP) AI Stock Analysis

• Market Cap: $174.67M
• Dividend Yield: 1.96%
• Average Volume (3M): 3.32K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 0.10
• Revenue Growth: 11.36%
• EPS Growth: 25.07%
• Country: US
• Employees: 173
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.46
• Shares Outstanding: 3,345,531
• 10 Day Avg. Volume: 2,805
• 30 Day Avg. Volume: 3,318
• PEG Ratio: 0.33
• Price to Book (P/B): 1.44
• Price to Sales (P/S): 3.03
• P/FCF Ratio: 9.94
• Enterprise Value/Market Cap: 0.40
• Enterprise Value/Revenue: 1.08
• Enterprise Value/Gross Profit: 1.42
• Enterprise Value/Ebitda: 3.39
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: $53.00 ▼(-9.04% Downside)
• Action: Downgraded Date: 04/02/26
• Date: Action: Downgraded 04/02/26

The score is driven primarily by financial performance: solid profitability and conservative leverage are tempered by a sharp 2025 cash-flow deterioration and lower ROE. Technicals are mixed with negative MACD and price below key medium-term averages, while valuation is supportive with a modest P/E and a ~2.46% dividend yield.

Positive Factors

Steady Revenue Growth

Multi-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.

Negative Factors

Weakened Cash Generation

A 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.

First Capital Business Overview & Revenue Model

Company Description

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 ...

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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 ...

How the Company Makes Money

FCAP primarily makes money through its banking subsidiary by earning net interest income and noninterest income. Net interest income is generated from the spread between (1) interest and fees earned on interest-earning assets—primarily loans to co...

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FCAP primarily makes money through its banking subsidiary by earning net interest income and noninterest income. Net interest income is generated from the spread between (1) interest and fees earned on interest-earning assets—primarily loans to co...

First Capital Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	65.31M	58.13M	51.24M	41.87M	39.01M
Gross Profit	49.47M	42.00M	41.08M	39.32M	38.21M
EBITDA	19.91M	15.27M	16.08M	15.30M	14.82M
Net Income	16.37M	11.94M	12.79M	11.90M	11.42M
Balance Sheet
Total Assets	1.27B	1.19B	1.16B	1.15B	1.16B
Cash, Cash Equivalents and Short-Term Investments	538.15M	91.68M	464.37M	493.55M	479.61M
Total Debt	0.00	0.00	21.50M	0.00	0.00
Total Liabilities	1.13B	1.07B	1.05B	1.07B	1.04B
Stockholders Equity	137.80M	114.60M	105.23M	85.16M	113.83M
Cash Flow
Free Cash Flow	19.93M	21.63M	13.54M	16.12M	21.34M
Operating Cash Flow	4.18M	22.34M	14.16M	16.53M	21.63M
Investing Cash Flow	-89.00K	29.01M	-23.95M	-144.03M	-156.46M
Financing Cash Flow	-4.62M	15.90M	-17.84M	21.29M	131.45M

First Capital Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 58.27
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• 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 58.27 is above the 20-day moving average (MA) of 48.82, above the 50-day MA of 51.35, and above the 200-day MA of 46.57, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 58.02 is Neutral, neither overbought nor oversold. The STOCH value of 68.60 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
LARK	75 Outperform	$156.90M	8.47	12.36%	3.01%	12.31%	39.46%
BVFL	71 Outperform	$170.64M	11.33	5.32%	―	4.86%	-8.20%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FCAP	64 Neutral	$174.67M	12.10	9.16%	1.96%	11.36%	25.07%
MNSB	63 Neutral	$167.21M	9.98	7.26%	1.90%	1.92%	-174.59%
CZWI	62 Neutral	$197.19M	12.00	7.81%	2.00%	-2.16%	-9.35%
CFBK	58 Neutral	$186.01M	9.23	9.65%	1.16%	2.33%	22.43%

First Capital Corporate Events