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NASDAQ: FCAP
First Capital Inc Stock

Overview
EarningsRevenueDividendOwnership
$40.61+0.37 (+0.92%)
Updated Apr 17, 2025
FCAP Price
$40.61
Fair Value Price
N/A
Market Cap
$136.26M
52 Week Low
$26.73
52 Week High
$40.75
P/E
11.38x
P/B
1.19x
P/S
2.57x
PEG
5.45x
Dividend Yield
2.81%
Revenue
$42.00M
Earnings
$11.94M
Gross Margin
100%
Operating Margin
33.71%
Profit Margin
28.4%
Debt to Equity
9.36
Operating Cash Flow
$22M
Beta
0.39
Next Earnings
Apr 24, 2025
Ex-Dividend
N/A
Next Dividend
N/A

FCAP Overview

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 accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also provides real estate mortgage loans, such as fixed-rate and adjustable rate mortgage residential loans, construction loans for residential and commercial properties, and commercial real estate loans, as well as commercial business loans. In addition, the company originates mortgage loans for sale in the secondary market and sells non-deposit investment products; and offers various secured or guaranteed consumer loans comprising automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans, and loans secured by savings deposits, as well as unsecured consumer loans. It provides its products and services through 18 locations in Indiana and Kentucky. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine FCAP's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
View All “A” Zen Rated Stocks
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Zen Rating Component Grades

C
Value
C
Growth
A
Momentum
C
Sentiment
C
Safety
C
Financials
C
Artificial Intelligence
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
F
FCAP
Ranked#75 of 295

Top Ranked Stocks in Industry

Name / TickerPriceZen Rating
California Bancorp (BCAL)
$12.64B
Intercorp Financial Services (IFS)
$31.51B
First Savings Financial Group (FSFG)
$23.63B
View Top Bank Stocks

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FCAP News

Overview

Due Diligence Score

–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how FCAP scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

FCAP ($40.61) is trading above its intrinsic value of $21.97, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
FCAP is good value based on its earnings relative to its share price (11.38x), compared to the US market average (27.98x)
P/E vs Market Valuation
FCAP is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more FCAP due diligence checks available for Premium users.

Valuation

FCAP fair value

Fair Value of FCAP stock based on Discounted Cash Flow (DCF)

Price
$40.61
Fair Value
$58.50
Undervalued by
30.58%
FCAP ($40.61) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FCAP price to earnings (PE)

For valuing profitable companies with steady earnings

Company
11.38x
Industry
13x
Market
27.98x
FCAP is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FCAP is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

FCAP price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.19x
Industry
1.08x
FCAP is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FCAP price to earnings growth (PEG)

For valuing profitable companies with growth potential

FCAP is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

FCAP's financial health

Profit margin

Revenue
$11.0M
Net Income
$3.3M
Profit Margin
29.7%
FCAP's Earnings (EBIT) of $14.16M... subscribe to Premium to read more.
Interest Coverage Financials
FCAP's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.2B
Liabilities
$1.1B
Debt to equity
9.36
FCAP's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
FCAP's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$4.1M
Investing
$10.3M
Financing
$1.6M
FCAP's operating cash flow ($22.35M)... subscribe to Premium to read more.
Debt Coverage Financials

FCAP vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
FCAPC$136.26M+0.92%11.38x1.19x
RMBIC$135.92M+5.63%13.92x1.02x
CZWIC$135.76M+0.82%10.14x0.76x
UBFOC$136.84M+1.80%9.22x1.05x
CFBKC$134.50M+1.42%10.11x0.80x
View Top Bank Stocks

First Capital Stock FAQ

What is First Capital's quote symbol?

(NASDAQ: FCAP) First Capital trades on the NASDAQ under the ticker symbol FCAP. First Capital stock quotes can also be displayed as NASDAQ: FCAP.

If you're new to stock investing, here's how to buy First Capital stock.

What is the 52 week high and low for First Capital (NASDAQ: FCAP)?

(NASDAQ: FCAP) First Capital's 52-week high was $40.75, and its 52-week low was $26.73. It is currently -0.34% from its 52-week high and 51.93% from its 52-week low.

How much is First Capital stock worth today?

(NASDAQ: FCAP) First Capital currently has 3,355,353 outstanding shares. With First Capital stock trading at $40.61 per share, the total value of First Capital stock (market capitalization) is $136.26M.

First Capital stock was originally listed at a price of $10.00 in Jan 4, 1999. If you had invested in First Capital stock at $10.00, your return over the last 26 years would have been 306.1%, for an annualized return of 5.54% (not including any dividends or dividend reinvestments).

How much is First Capital's stock price per share?

(NASDAQ: FCAP) First Capital stock price per share is $40.61 today (as of Apr 17, 2025).

What is First Capital's Market Cap?

(NASDAQ: FCAP) First Capital's market cap is $136.26M, as of Apr 21, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

First Capital's market cap is calculated by multiplying FCAP's current stock price of $40.61 by FCAP's total outstanding shares of 3,355,353.
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