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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)

Rating:68Neutral
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 (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 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 MoneyFirst 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
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue58.13M51.24M41.87M39.01M38.23M
Gross Profit42.00M41.08M39.32M37.86M34.87M
EBITDA15.27M16.08M15.30M14.82M13.04M
Net Income11.94M12.79M11.90M11.42M10.13M
Balance Sheet
Total Assets1.19B1.16B1.15B1.16B1.02B
Cash, Cash Equivalents and Short-Term Investments91.68M464.37M493.55M479.61M325.05M
Total Debt0.0021.50M0.000.000.00
Total Liabilities1.07B1.05B1.07B1.04B906.80M
Stockholders Equity114.60M105.23M85.16M113.83M110.64M
Cash Flow
Free Cash Flow21.63M13.54M16.12M21.34M11.46M
Operating Cash Flow22.34M14.16M16.53M21.63M12.06M
Investing Cash Flow29.01M-23.95M-144.03M-156.46M-62.41M
Financing Cash Flow15.90M-17.84M21.29M131.45M174.88M

First Capital Technical Analysis

Technical Analysis Sentiment
Negative
Last Price35.52
Price Trends
50DMA
43.16
Negative
100DMA
42.56
Negative
200DMA
37.72
Negative
Market Momentum
MACD
-1.76
Positive
RSI
29.75
Positive
STOCH
22.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCAP, the sentiment is Negative. The current price of 35.52 is below the 20-day moving average (MA) of 40.12, below the 50-day MA of 43.16, and below the 200-day MA of 37.72, indicating a bearish trend. The MACD of -1.76 indicates Positive momentum. The RSI at 29.75 is Positive, neither overbought nor oversold. The STOCH value of 22.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
$159.33M11.509.04%2.71%14.16%24.72%
72
Outperform
$159.01M14.747.97%3.03%20.82%-48.08%
72
Outperform
$149.42M13.108.54%5.42%-1.42%-37.11%
68
Neutral
$128.38M9.7311.40%3.27%12.53%2.45%
67
Neutral
$17.78B11.609.11%3.88%10.92%-3.96%
66
Neutral
$150.43M13.755.72%1.92%28.86%-20.64%
63
Neutral
$120.84M19.416.07%1.64%7.86%59.45%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FCAP
First Capital
35.52
4.78
15.55%
OVBC
Ohio Valley Banc
32.24
8.98
38.61%
CBFV
CB Financial Services
31.66
8.23
35.13%
SFBC
Sound Financial Bancorp
46.05
3.22
7.52%
UBFO
United Security Bancshares
8.55
1.37
19.08%
HNVR
Hanover Bancorp Inc
20.81
3.92
23.21%
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: Apr 25, 2025