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FCAP stock logo

FCAP

First Capital, Inc.

$50.06
-0.07
 (-0.14%)
Exchange:  NASDAQ
Market Cap:  167.957M
Shares Outstanding:  3.34M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Michael Chris Frederick
Full Time Employees:  173
Address: 
220 Federal Drive, NW
Corydon
IN
47112
US
Website:  https://www.firstharrison.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue51,23758,12765,312
Gross Profit41,07941,99749,471
EBITDA16,07915,26619,909
Operating Income15,05114,16919,909
Net Income12,79011,94016,367

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,157,8801,187,5231,271,995
Total Liabilities1,052,5351,072,8121,134,086
Total Stockholders Equity105,233114,599137,797
Total Debt21,50000
Cash and Cash Equivalents27,09926,592104,385

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow14,16322,3454,185
Capital Expenditure-627-717-1,352
Free Cash Flow13,53621,62819,932
Net Income12,79011,94016,367
Net Change in Cash-27,62867,247-521

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(* All numbers are in thousands)

Analyst Estimates

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Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
2.79
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
11.12
?Enterprise Value
 (TTM)
: 
78.064M  ?EV/FCF
 (TTM)
: 
22.46
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.25
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
0.11
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0
?P/B
 (TTM)
: 
1.32  ?Current Ratio
 (TTM)
: 
0.35

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Forward P/E Ratios

?

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate FCAP Intrinsic Value

Common questions about FCAP valuation

Is First Capital, Inc. (FCAP) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First Capital, Inc. (FCAP) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FCAP a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FCAP trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FCAP’s P/E ratio?

You can see FCAP’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FCAP?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FCAP a good long-term investment?

Whether FCAP fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FCAP

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.14
MARKETSnap

Trading Metrics:

Open: 50.29   Previous Close: 50.13
Day Low: 50.06   Day High: 50.29
Year Low: 33.73   Year High: 71
Price Avg 50: 51.6   Price Avg 200: 46.99
Volume: 2158   Average Volume: 5631

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Relevant news

First Capital, Inc. Reports Quarterly Earnings
24-04-2026 16:45
First Capital, Inc. Reports Quarterly Earnings
First Capital (NASDAQ:FCAP) Shares Pass Below 200-Day Moving Average   – Here’s What Happened
26-03-2026 02:46
First Capital (NASDAQ:FCAP) Shares Pass Below 200-Day Moving Average – Here’s What Happened
First Capital, Inc. Announces Date of Annual Meeting
19-02-2026 16:50
First Capital, Inc. Announces Date of Annual Meeting
First Capital, Inc. Announces Quarterly Dividend
19-02-2026 16:45
First Capital, Inc. Announces Quarterly Dividend
Financial Analysis: First Capital (NASDAQ:FCAP) vs. LifeStore Financial Group (OTCMKTS:LSFG)
19-02-2026 03:29
Financial Analysis: First Capital (NASDAQ:FCAP) vs. LifeStore Financial Group (OTCMKTS:LSFG)

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