First Capital, Inc. FCAP

60.29 (0.86) (1.41%) as of 25 Sep
Market cap
$204.5M
P/E
10.9×
Growth Flags show if company had growth for consecutive years

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 3.78%

Capital & Financial Ratios

Market Cap 204.52
Revenue 68.86
Net Income 18.46
Free Cash Flow 21.71
Net Debt (151.04)
Current Ratio 0.72
Debt/Equity 0.00
P/E ratio 10.90
P/S ratio 2.92
P/B ratio 1.41
Past 5Y EPS Growth 2.94%
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 0.27
Annual Dividend Rate 1.08
Annual Dividend Yield 3.89%
total individual payouts
2026 0.94
0.31
0.31
0.32
2025 1.20
0.29
0.29
0.31
0.31
2024 1.12
0.27
0.27
0.29
0.29
2023 1.08
0.27
0.27
0.27
0.27
2022 1.04
0.26
0.26
0.26
0.26
2021 1.04
0.26
0.26
0.26
0.26
2020 0.96
0.24
0.24
0.24
0.24
2019 0.95
0.23
0.24
0.24
0.24
2018 0.92
0.23
0.23
0.23
0.23
2017 0.86
0.21
0.21
0.22
0.22
2016 0.84
0.21
0.21
0.21
0.21
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 43 109 139 151
Receivables — — — —
Inventory — — — —
Other — — — —
663 745 799 826
2023 2024 2025 Q'26
Payables 1,025 1,066 1,123 1,137
ST’ Debt — — — —
Other — — — —
1,031 1,073 1,134 1,147
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 10.60% 11.30% 15.98%
Cash Flow 13.49% 12.03% 8.79%
Earnings 12.15% 10.07% 11.20%
Book Value 6.35% 4.48% 17.38%

Revenue

Mar Jun Sep Dec Year
’26 17 18 — — —
’25 15 16 17 17 65
’24 14 14 15 15 58
’23 12 12 13 13 51
’22 9 10 11 12 42
’21 10 10 10 10 39
’20 9 10 10 10 38
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 6 4 — — —
’25 4 4 8 5 21
’24 7 3 8 4 22
’23 5 2 6 1 14
’22 3 4 5 4 17
’21 8 2 6 6 22
’20 5 0 5 3 12
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 6 4 — — —
’25 4 3 8 5 20
’24 7 3 7 4 22
’23 5 2 5 1 14
’22 3 4 5 4 16
’21 8 2 6 6 21
’20 4 0 5 3 11
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.30 1.43 — — —
’25 0.97 1.13 1.34 1.46 4.89
’24 0.88 0.85 0.87 0.97 3.57
’23 1.14 0.82 0.94 0.93 3.82
’22 0.75 0.81 0.93 1.05 3.55
’21 0.88 0.82 0.88 0.84 3.41
’20 0.63 0.73 0.82 0.85 3.02
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
23.50 28.97 33.72 38.00 42.72 39.00 22.97 22.85 26.03 30.49

Analyst estimates 2026–2028

Powerpack
Low Price
35.00 37.08 47.42 75.28 81.71 61.61 41.67 37.90 38.00 71.00
High Price
204 206 210 214 214 221 214 212 212 216
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
31 33 35 39 38 39 42 51 58 65
Revenue
94.36% 95.80% 95.40% 94.97% 95.92% 97.11% 96.19% 82.40% 74.74% 77.50%
Gross Margin
9 11 11 12 12 14 14 15 14 20
EBT
30.07% 31.87% 30.41% 31.62% 30.95% 35.06% 34.00% 29.38% 24.38% 30.48%
EBT Margin
7 7 9 10 10 11 12 13 12 16
Net Income
2 3 3 3 4 4 3 5 4 5
Depreciation
9.36 9.96 10.53 11.70 11.45 11.66 12.48 15.31 17.37 19.52
Revenue/Sh
2.05 2.24 2.78 3.10 3.03 3.41 3.55 3.82 3.57 4.89
Earnings/Sh
2.47 4.04 4.01 4.22 3.61 6.46 4.93 4.23 6.68 6.36
Cash Flow/Sh
(0.59) (0.38) (0.12) (0.89) (0.18) (0.07) (0.12) (0.19) (0.21) (0.40)
Capex/Sh
1.88 3.65 3.89 3.33 3.43 6.40 4.80 4.04 6.47 5.96
Free CF/Sh
22.70 24.38 25.83 29.69 33.16 34.05 25.42 31.47 34.28 41.22
Book Value/Sh
3 3 3 3 3 3 3 3 3 3
Shares
15.96 16.35 15.28 23.62 19.99 11.84 7.06 7.17 9.03 12.08
PE Ratio
3.50 3.66 4.03 6.24 5.29 3.47 2.00 1.79 1.86 3.03
PS Ratio
1.44 1.50 1.64 2.46 1.83 1.19 0.98 0.87 0.94 1.44
PB Ratio
1.73 2.90 2.93 5.01 0.52 (1.07) 0.33 1.38 0.57 1.42
EV/Sales
8.58 7.90 7.92 17.60 1.74 (1.95) 0.86 5.23 1.52 4.66
EV/FCF
8 13 13 14 12 22 17 14 22 21
Op' Cash Flow
(2) (1) 0 (3) (1) 0 0 (1) (1) (1)
Capex
6 12 13 11 11 21 16 14 22 20
FCF
(219) (218) (219) (197) (213) (376) (433) (368) (328) (335)
Working Cap'
— 10 — — 0 0 0 22 — —
Total Debt
(61) (25) (49) (58) (182) (177) (70) (21) (109) (139)
Net Debt
76 81 86 99 111 114 85 105 115 138
Sh' Equity
0.94% 0.99% 1.19% 1.27% 1.10% 1.05% 1.03% 1.11% 1.02% 1.33%
ROA
38.66% 11.81% 17.94% 18.74% 0.00% 0.00% 58.17% 11.16% 145.20% 0.00%
ROIC
9.13% 9.48% 11.08% 11.17% 9.66% 10.17% 11.95% 13.42% 10.85% 12.96%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

First Capital, Inc. (FCAP) key facts

  • First Capital, Inc. (FCAP) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • First Capital, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $65.3 million, up 12.4% from fiscal 2024.
  • Net income was $16.4 million, or $4.89 per share (basic), a net margin of 25.1%.
  • As of September 25, 2026, FCAP traded at $60.29, a market capitalization of $204.5 million.
  • At that price the stock trades at 10.9× trailing-twelve-month earnings and 2.9× sales.
  • First Capital, Inc. pays an annual dividend of $1.08 per share, a yield of 3.89%, with a payout ratio of 26.9%.
  • Return on equity was 13.0% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

First Capital, Inc. (FCAP) Latest News

News by impact score

Fine-tune

24 Jul

3

First Capital, Inc. reported its quarterly earnings. Quarterly earnings data can shift views on financial performance.

24 Apr

3

First Capital, Inc. (FCAP) reported quarterly earnings. Quarterly earnings reports provide key financial metrics that can noticeably influence stock performance and investor sentiment.

23 Jan

4

First Capital, Inc. (FCAP) reported its Q4 earnings, showcasing a notable increase in net income compared to the previous year. The bank's total assets grew, driven by strong loan demand and improved interest margins. Additionally, the company highlighted its commitment to expanding its market presence and enhancing customer service. Overall, the earnings report reflects a positive trajectory for FCAP, indicating robust financial health and strategic growth initiatives. The significant increase in net income and asset growth indicates a strong performance that could positively influence investor sentiment and market positioning.

4

First Capital, Inc. reported record annual and quarterly earnings, showcasing significant growth in profitability. The company's financial performance exceeded expectations, driven by strong revenue growth and effective cost management strategies. This achievement reflects the firm's robust operational execution and favorable market conditions, positioning it well for future opportunities. Record earnings indicate a significant positive shift in financial performance and market positioning.

3 Jan

4

Investors in First Capital, Inc. (NASDAQ:FCAP) have seen a remarkable return of 148% over the past three years, highlighting the company's strong performance in the market. This significant increase reflects the company's effective strategies and growth potential, attracting attention from both current and prospective investors. The substantial return on investment indicates a significant positive shift in investor sentiment and market dynamics for First Capital, Inc.

18 Dec

4

First Capital, Inc. (FCAP) is highlighted for its growth potential despite being a smaller bank. The company has shown resilience and adaptability in a competitive banking landscape, focusing on strategic initiatives that could enhance its market position. Analysts suggest that FCAP's strong fundamentals and community-focused approach may attract investor interest, positioning it well for future growth. The bank's commitment to innovation and customer service is expected to drive performance, making it a noteworthy consideration for investors looking for opportunities in the banking sector. FCAP's strategic initiatives and growth potential are likely to significantly impact its future performance and investor sentiment.

16 Dec

3

Axos Financial's stock is experiencing a rise in its Relative Strength (RS) rating, which has increased to 72. This improvement in RS rating indicates a stronger performance compared to other stocks in the market, suggesting potential positive momentum for investors. Analysts are closely monitoring this trend as it may influence market sentiment and investment decisions regarding Axos Financial. The increase in RS rating may moderately influence investor sentiment and market performance for Axos Financial.

19 Nov

3

First Capital, Inc. (FCAP) has declared a quarterly dividend of $0.20 per share, payable on December 15, 2023, to shareholders of record as of December 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend announcement suggests a stable financial performance, which may positively influence investor sentiment but does not fundamentally alter the company's trajectory.

25 Oct

4

First Capital, Inc. (FCAP) has reported significant margin expansion, reinforcing a positive outlook for community banks. The company's financial performance indicates strong growth potential, driven by effective management strategies and favorable market conditions. This development is expected to enhance investor confidence and support the bullish narrative surrounding community banking. Margin expansion is likely to significantly impact future financial performance and investor sentiment.

24 Oct

4

First Capital, Inc. (FCAP) reported its Q3 earnings, showcasing a notable increase in net income compared to the previous year. The company's performance was driven by growth in loans and deposits, alongside improved asset quality. Management expressed optimism about future growth prospects, citing strategic initiatives and market conditions that favor expansion. Overall, the results reflect a solid financial position and a commitment to enhancing shareholder value. The significant increase in net income and positive management outlook indicate a likely substantial impact on future performance and investor sentiment.

4

First Capital, Inc. (FCAP) reported record quarterly earnings, showcasing significant growth in revenue and net income compared to previous periods. The company attributed this success to strong performance across its core banking operations and effective cost management strategies. FCAP's management expressed optimism about future growth prospects and plans to continue investing in technology and customer service enhancements. Record earnings and growth in revenue indicate a significant positive shift in the company's financial trajectory.

4 Oct

4

First Capital, Inc. (FCAP) is gaining attention due to its strong financial performance and strategic initiatives that position it well in the market. The company has shown resilience and growth potential, making it an attractive option for investors. Analysts highlight its solid fundamentals and the potential for future expansion, suggesting that FCAP could be a valuable addition to investment portfolios. Overall, the outlook for First Capital appears positive, warranting close observation. Significant strategic initiatives and strong financial performance are likely to impact the company's future trajectory.

29 Aug

3

First Capital, Inc. has enhanced its stock repurchase program by increasing the maximum number of shares that can be repurchased from 200,000 to 400,000. This decision aims to provide greater flexibility in managing the company's capital and returning value to shareholders. The program reflects the company's commitment to optimizing its capital structure and supporting its stock price. The increase in the stock repurchase program is expected to moderately influence investor sentiment and financial performance.

24 Aug

3

First Capital, Inc. (NASDAQ:FCAP) has announced an increase in its quarterly dividend to $0.31 per share, reflecting the company's commitment to returning value to shareholders. This decision underscores the company's strong financial position and confidence in its future performance. The dividend increase indicates financial stability and may positively influence investor sentiment, but its overall impact on long-term performance is expected to be limited.

20 Aug

3

First Capital, Inc. has announced an increase in its quarterly dividend, raising it from $0.20 to $0.22 per share. This decision reflects the company's strong financial performance and commitment to returning value to shareholders. The new dividend will be payable on a specified date to shareholders of record, marking a positive development for investors. The dividend increase indicates financial stability and may enhance investor sentiment, but its overall impact on the company's long-term trajectory is expected to be limited.

16 Aug

3

First Capital, Inc. (FCAP) reported its second quarter 2025 earnings, revealing an earnings per share (EPS) of US$1.13, an increase from US$0.84 in the same quarter of 2024. This growth in EPS indicates a positive trend in the company's financial performance year-over-year. The increase in EPS suggests a moderately noticeable improvement in financial performance, which may positively influence market sentiment.

30 Jul

3

First Capital, Inc. (FCAP) is highlighted as one of three reliable dividend stocks, offering a yield of up to 3.7%. The article emphasizes the company's consistent dividend payments and financial stability, making it an attractive option for income-focused investors. Alongside FCAP, other dividend stocks are also mentioned, providing a broader context for potential investment opportunities in the current market environment. FCAP's reliable dividend yield may moderately influence investor sentiment and financial performance.

27 Jul

3

First Capital, Inc. (NASDAQ: FCAP) shareholders have experienced losses over the past five years, with the stock price declining significantly. The company's performance has not met investor expectations, leading to a negative sentiment among shareholders. Despite the broader market trends, FCAP's stock has struggled, raising concerns about its future growth and profitability. The decline in stock price indicates a moderately noticeable influence on investor sentiment and future performance.

25 Jul

4

First Capital, Inc. (FCAP) reported its Q2 earnings, showcasing a notable increase in net income compared to the previous year. The company's earnings per share rose significantly, driven by improved loan growth and effective cost management strategies. Additionally, First Capital highlighted its commitment to enhancing shareholder value through dividends and strategic investments. Overall, the financial results reflect a positive trajectory for the company amidst a competitive banking environment. The significant increase in net income and strategic focus on shareholder value indicate a likely positive shift in the company's future performance.

3

First Capital, Inc. reported a net income of $3.8 million, or $1.13 per diluted share, for Q2 2025, up from $2.8 million, or $0.85 per diluted share, in Q2 2024. Net interest income after provision for credit losses increased by $1.8 million, driven by higher interest income and a larger average balance of interest-earning assets. Noninterest income decreased slightly, while noninterest expenses rose by $494,000 due to higher compensation and operational costs. The effective tax rate increased to 18.4%. For the first half of 2025, net income was $7.0 million, compared to $5.8 million in 2024. Total assets grew to $1.24 billion, with deposits increasing by $44.2 million. Nonperforming assets decreased from $4.5 million to $4.0 million. The increase in net income and assets indicates moderate growth potential, but rising expenses and tax rates may limit overall impact.

22 May

3

First Capital, Inc. (FCAP) has declared a quarterly dividend of $0.20 per share, payable on December 1, 2023, to shareholders of record as of November 17, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend announcement suggests a stable financial performance but does not indicate significant changes in the company's strategic direction.

25 Apr

4

First Capital, Inc. reported its quarterly earnings, showcasing a notable increase in revenue and net income compared to the previous quarter. The company attributed this growth to improved loan performance and effective cost management strategies. Additionally, First Capital highlighted its commitment to expanding its market presence and enhancing customer service. The positive financial results reflect the company's resilience in a competitive landscape, positioning it favorably for future growth. The significant increase in revenue and net income indicates a strong performance that could positively influence investor sentiment and future strategic initiatives.

6 Apr

3

First Capital, Inc. (NASDAQ:FCAP) reported its Full Year 2024 results, showing revenue of US$42.0 million, a 2.2% increase from FY 2023. However, net income fell by 6.6% to US$11.9 million, leading to a decrease in EPS from US$3.82 to US$3.57. The profit margin declined to 28% from 31%, attributed to higher expenses. Key banking performance indicators included a net interest margin of 3.20%, a cost-to-income ratio of 64.1%, and non-performing loans rising to 0.69%. The share price remained stable over the past week. The decline in net income and profit margin indicates potential challenges in financial performance, though revenue growth and stable share price suggest some resilience.

31 Mar

3

First Capital, Inc. operates as a bank holding company for First Harrison Bank, offering various banking services. With a market cap of $128.05 million, it has a dividend yield of 3.04% and a low payout ratio of 31.4%, indicating strong earnings coverage. Recently, it declared a quarterly cash dividend of $0.29 per share. Despite a lower yield compared to top dividend stocks, First Capital remains an attractive option for consistent income, trading at a significant discount to its estimated fair value. The article also highlights other dividend stocks, including First Commonwealth Financial and Safe Bulkers, emphasizing their financial metrics and market positions. First Capital's stable dividend payments and low payout ratio suggest moderate influence on its financial performance.

29 Jan

3

As the U.S. stock market rebounds, dividend stocks are attracting investors seeking stability. First Capital, Inc. (FCAP) is highlighted with a dividend yield of 3.6% and a low payout ratio of 31.4%, indicating dividends are well-covered by earnings. However, future coverage remains uncertain due to insufficient long-term data. The company has a market cap of $108.10 million and generates revenue primarily through its banking segment. Recent quarterly cash dividends reflect a reliable payout history, but valuation reports suggest it may be undervalued. First Capital's stable dividend payments and low payout ratio indicate moderate influence on its financial performance.

24 Jan

4

First Capital, Inc. (FCAP) reported its Q4 earnings, showcasing a notable increase in net income compared to the previous year. The bank's total assets and deposits also saw significant growth, reflecting strong operational performance. Management highlighted strategic initiatives aimed at enhancing customer service and expanding market reach. The positive earnings report is expected to bolster investor confidence and support future growth prospects. The significant increase in net income and growth in assets and deposits indicate a strong operational performance that could positively influence future market positioning.

4

First Capital, Inc. (FCAP) reported its annual and quarterly earnings, highlighting significant financial performance metrics. The company demonstrated growth in revenue and net income compared to previous periods, reflecting strong operational efficiency and strategic initiatives. Management provided insights into future expectations and market conditions, indicating a positive outlook for the upcoming quarters. Strong financial performance and positive future outlook suggest significant impact on the company's trajectory and investor sentiment.

8 Dec

3

First Capital, Inc. (NASDAQ:FCAP) stock is going ex-dividend in four days, with a dividend payment of US$0.29 per share. The company has been growing its earnings and dividends over the years. The article discusses the potential impact of the company's growing earnings and dividends on its future performance.

2 Dec

3

US stock market experiencing surge in November 2024, with S&P 500 and Dow Jones at record highs. Top US dividend stocks listed, including First Capital, Inc. (FCAP) with 3.5% yield and steady growth. Himax Technologies and Banco Latinoamericano de Comercio Exterior also highlighted. The article discusses potential impact on FCAP's future and market performance through dividend yield analysis and financial stability.

31 Oct

4

Dividend stocks offer steady income streams in uncertain times. Civista Bancshares, First Capital, Inc., and Virtus Investment Partners are highlighted as standout options. The article discusses potential impact of dividend stocks and market trends on First Capital, Inc., highlighting significant strategic moves and financial performance.

stockrow.com/FCAP · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com