Saturday 17 October 2026
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First Capital, Inc.
FCAP Financial Banks Regional
First Capital, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $65.3 million, up 12.4% from fiscal 2024. In the quarter to June 2026, revenue grew 11.0%, EPS grew 26.6% and free cash flow grew 2.66%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for five.
61.47
0.12
−0.19%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
15.96 | 16.35 | 15.28 | 23.62 | 19.99 | 11.84 | 7.06 | 7.17 | 9.03 | 12.08 |
Piotroski F-Score |
6 | 8 | 7 | 7 | 6 | 5 | 5 | 7 | 7 | 9 |
P/S ratio |
3.50 | 3.66 | 4.03 | 6.24 | 5.29 | 3.47 | 2.00 | 1.79 | 1.86 | 3.03 |
P/FCF ratio |
17.44 | 9.97 | 10.92 | 21.91 | 17.65 | 6.33 | 5.20 | 6.79 | 4.99 | 9.94 |
P/Operating CF |
(579.74) | 70.10 | 48.67 | 41.04 | 69.53 | 22.85 | 20.29 | 96.01 | 26.55 | 37.86 |
P/B ratio |
1.44 | 1.50 | 1.64 | 2.46 | 1.83 | 1.19 | 0.98 | 0.87 | 0.94 | 1.44 |
Price to Tangible BV |
1.61 | 1.65 | 1.80 | 2.65 | 1.95 | 1.27 | 1.07 | 0.93 | 1.00 | 1.51 |
EV/Sales |
1.73 | 2.90 | 2.93 | 5.01 | 0.52 | (1.07) | 0.33 | 1.38 | 0.57 | 1.42 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
6.54 | 7.16 | 7.68 | 13.88 | 1.66 | (1.93) | 0.84 | 5.00 | 1.47 | 4.37 |
EV/FCF |
8.58 | 7.90 | 7.92 | 17.60 | 1.74 | (1.95) | 0.86 | 5.23 | 1.52 | 4.66 |
Quick Ratio |
0.09 | 0.05 | 0.07 | 0.08 | 0.20 | 0.17 | 0.07 | 0.04 | 0.10 | 0.12 |
Current Ratio |
0.67 | 0.67 | 0.69 | 0.73 | 0.77 | 0.64 | 0.59 | 0.64 | 0.69 | 0.70 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 1.32% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.86% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.12 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.20 | 0.00 | 0.00 |
Asset Turnover |
0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 |
Operating CF/Net income |
1.20 | 1.80 | 1.44 | 1.36 | 1.19 | 1.89 | 1.39 | 1.11 | 1.87 | 1.30 |
Capex/Depreciation |
(0.80) | (0.43) | (0.12) | (0.93) | (0.16) | (0.06) | (0.12) | (0.14) | (0.16) | (0.27) |
| 9.13% | 9.48% | 11.08% | 11.17% | 9.66% | 10.17% | 11.95% | 13.42% | 10.85% | 12.96% | |
| 0.94% | 0.99% | 1.19% | 1.27% | 1.10% | 1.05% | 1.03% | 1.11% | 1.02% | 1.33% | |
ROIC |
38.66% | 11.81% | 17.94% | 18.74% | 0.00% | 0.00% | 58.17% | 11.16% | 145.20% | 0.00% |
Return on Tangible Assets |
(3.36%) | (3.67%) | (4.51%) | (5.72%) | (5.15%) | (3.16%) | (2.84%) | (3.61%) | (3.81%) | (5.11%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
64.29% | 63.93% | 64.99% | 63.35% | 64.97% | 62.05% | 62.19% | 53.03% | 50.37% | 47.01% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.26% | 0.27% | 0.55% | 0.74% | 1.00% | 1.25% | 1.04% | 0.49% | 0.35% | 0.16% |
Graham Net Nets |
(2.00) | (1.88) | (1.55) | (0.81) | (1.05) | (2.78) | (5.17) | (4.24) | (3.04) | (1.69) |
Graham Number |
32.40 | 34.97 | 40.19 | 45.43 | 47.55 | 51.19 | 44.99 | 52.08 | 52.47 | 67.41 |
Earnings Yield |
6.27% | 6.12% | 6.54% | 4.23% | 5.00% | 8.44% | 14.17% | 13.95% | 11.07% | 8.28% |
Free Cash Flow Yield |
5.74% | 10.03% | 9.16% | 4.56% | 5.67% | 15.80% | 19.22% | 14.73% | 20.05% | 10.06% |
Revenue per Share |
9.36 | 9.96 | 10.53 | 11.70 | 11.45 | 11.66 | 12.48 | 15.31 | 17.37 | 19.52 |
Operating CF per Share |
2.47 | 4.04 | 4.01 | 4.22 | 3.61 | 6.46 | 4.93 | 4.23 | 6.68 | 6.36 |
Capex per Share |
(0.59) | (0.38) | (0.12) | (0.89) | (0.18) | (0.07) | (0.12) | (0.19) | (0.21) | (0.40) |
Free Cash Flow per Share |
1.88 | 3.65 | 3.89 | 3.33 | 3.43 | 6.40 | 4.80 | 4.04 | 6.47 | 5.96 |
Cash per Share |
18.15 | 10.58 | 14.67 | 17.36 | 54.58 | 53.00 | 20.86 | 12.72 | 32.46 | 41.47 |
Shareholders Equity per Share |
22.70 | 24.38 | 25.83 | 29.69 | 33.16 | 34.05 | 25.42 | 31.47 | 34.28 | 41.22 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
22.70 | 24.38 | 25.83 | 29.69 | 33.16 | 34.05 | 25.42 | 31.47 | 34.28 | 41.22 |
Free Cash Flow |
6.28 | 12.15 | 12.95 | 11.10 | 11.46 | 21.41 | 16.12 | 13.54 | 21.64 | 19.93 |
Working Capital |
(219.15) | (217.79) | (219.45) | (196.95) | (212.81) | (376.18) | (433.12) | (368.45) | (327.95) | (334.66) |
Capital Expenditures |
(1.96) | (1.27) | (0.40) | (2.97) | (0.60) | (0.22) | (0.41) | (0.63) | (0.71) | (1.35) |
Net Current Asset Value |
(219.15) | (227.79) | (219.45) | (196.95) | (212.81) | (376.18) | (433.12) | (389.95) | (327.95) | (334.66) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.06 | 0.04 | 0.01 | 0.08 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
Price to Operating Income |
11.66 | 11.48 | 13.26 | 19.74 | 17.09 | 9.91 | 5.89 | 6.10 | 7.62 | 9.95 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.17 | 0.20 | 0.23 | 0.19 | 0.23 | 0.25 | 0.23 | 0.32 | 0.31 | 0.35 |
Cash ROIC |
4.60% | 9.63% | 9.61% | 7.08% | 3.91% | 7.35% | 10.38% | 7.99% | 9.69% | 7.20% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
137,604.79 | 174,256.56 | 158,970.07 | 134,487.04 | 210,549.82 | 335,088.77 | 242,813.39 | 41,499.61 | 26,513.88 | 27,889.46 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
650.91 | 664.61 | 683.10 | 711.91 | 811.32 | 968.01 | 1,047.98 | 1,042.80 | 1,045.83 | 1,094.71 |
Average Assets |
729.74 | 751.31 | 776.56 | 810.83 | 922.52 | 1,087.08 | 1,154.00 | 1,154.64 | 1,172.70 | 1,229.76 |
Average Common Equity |
75.18 | 78.45 | 83.50 | 92.45 | 104.85 | 112.35 | 99.61 | 95.31 | 110.03 | 126.31 |
Columns are period end dates