Symbols / FCAP Stock $53.52 -5.11% First Capital, Inc.

Financial Services • Banks - Regional • United States • NCM
FCAP (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Michael Chris Frederick
Exch · Country NCM · United States
Market Cap 179.05M
Enterprise Value 37.29M
Income 17.46M
Sales 51.50M
FCF (ttm) —
Book/sh 41.23
Cash/sh 45.22
Employees 176
Insider 10d —
IPO Jan 04, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 23.37%
P/E 10.25
Forward P/E —
PEG —
P/S 3.48
P/B 1.30
P/C —
EV/EBITDA —
EV/Sales 0.72
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 5.22
EPS next Y —
EPS Growth 34.30%
Revenue Growth 18.30%
EPS Gr Q/Q 33.80%
Rev Gr Q/Q —
Earnings (next) 2026-07-24
Earnings (prior) —
ROA 1.40%
ROE 13.53%
ROIC —
Gross Margin 0.00%
Oper. Margin 40.89%
Profit Margin 33.91%
Shs Outstand 3.35M
Shs Float 3.18M
Insider Own 4.14%
Instit Own 26.68%
Short Float 2.37%
Short Ratio 12.84
Short Interest 76.15K
52W High 71.00
vs 52W High -24.62%
52W Low 33.73
vs 52W Low 58.67%
Beta 0.64
Impl. Vol. —
Rel Volume 0.67
Avg Volume 5.79K
Volume 3.90K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $56.40
Price $53.52
Change -5.11%
About

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company provides 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 offers residential mortgage loans; construction loans for residential and commercial properties; and commercial real estate and business loans. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it provides various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; unsecured consumer loans; and loans secured by savings deposits. Additionally, the company invests in mortgage-backed securities and collateralized mortgage obligations. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$53.52
Latest analyst target
3. DCF / Fair value
$78.30
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$53.52
Low
—
High
—
Mean
—
News
RSS: Latest FCAP news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-27 STEVENS JOSHUA PAUL Chief Financial Officer — 300 $50.80 $15,240
2026-02-27 FREDERICK MICHAEL CHRIS Chief Executive Officer — 300 $50.80 $15,240
2025-08-29 ERNSTBERGER KATHRYN W Director — 1,046 $37.90 $42,789
2025-08-15 STEVENS JOSHUA PAUL Chief Financial Officer — 200 $37.50 $7,500
2025-08-15 STEVENS JOSHUA PAUL Chief Financial Officer — 200 $37.50 $7,500
2025-08-15 FREDERICK MICHAEL CHRIS Chief Executive Officer — 200 $38.25 $7,650
2025-08-15 FREDERICK MICHAEL CHRIS Chief Executive Officer — 200 $38.25 $7,650
2025-05-01 KRAFT PAMELA G Director — 275 $37.90 $11,798
2025-03-11 ORWICK WILLIAM I SR Director — 75 $37.90 $2,842
2025-03-11 WALLACE CAROLYN E Director — 75 $37.90 $2,842
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
50.62
+16.50%
43.45
+2.90%
42.22
+4.83%
40.27
Operating Revenue
50.62
+16.50%
43.45
+2.90%
42.22
+4.83%
40.27
Selling General And Administration
17.29
+8.78%
15.89
+3.68%
15.33
+1.87%
15.05
Selling And Marketing Expense
0.48
+35.01%
0.36
+8.51%
0.33
-6.80%
0.35
General And Administrative Expense
16.81
+8.18%
15.54
+3.57%
15.00
+2.08%
14.70
Salaries And Wages
16.81
+8.18%
15.54
+3.57%
15.00
+2.08%
14.70
Other Gand A
—
—
—
—
Reconciled Depreciation
1.09
-0.73%
1.10
+6.71%
1.03
-3.93%
1.07
Total Unusual Items
—
—
—
0.00
Total Unusual Items Excluding Goodwill
—
—
—
0.00
Net Income
16.37
+37.08%
11.94
-6.65%
12.79
+7.46%
11.90
Pretax Income
19.91
+40.51%
14.17
-5.86%
15.05
+5.73%
14.23
Net Interest Income
42.05
+17.77%
35.70
+3.39%
34.53
+6.82%
32.32
Interest Expense
14.70
+0.11%
14.68
+62.81%
9.02
+465.68%
1.59
Interest Income
56.74
+12.63%
50.38
+15.70%
43.55
+28.39%
33.92
Gain On Sale Of Security
0.06
+116.08%
-0.34
-104.79%
-0.17
+59.66%
-0.41
Tax Provision
3.53
+59.25%
2.22
-1.42%
2.25
-3.10%
2.32
Tax Rate For Calcs
0.00
+13.46%
0.00
+4.70%
0.00
-8.59%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
16.38
+37.04%
11.95
-6.64%
12.80
+7.45%
11.91
Net Income From Continuing Operation Net Minority Interest
16.37
+37.08%
11.94
-6.65%
12.79
+7.46%
11.90
Net Income From Continuing And Discontinued Operation
16.37
+37.08%
11.94
-6.65%
12.79
+7.46%
11.90
Net Income Continuous Operations
16.38
+37.04%
11.95
-6.64%
12.80
+7.45%
11.91
Minority Interests
-0.01
+0.00%
-0.01
+0.00%
-0.01
+0.00%
-0.01
Normalized Income
16.37
+37.08%
11.94
-6.65%
12.79
+7.46%
11.90
Net Income Common Stockholders
16.37
+37.08%
11.94
-6.65%
12.79
+7.46%
11.90
Diluted EPS
—
3.57
-6.54%
3.82
+7.61%
3.55
Basic EPS
—
3.57
-6.54%
3.82
+7.61%
3.55
Basic Average Shares
—
3.35
-0.04%
3.35
-0.23%
3.36
Diluted Average Shares
—
3.35
-0.04%
3.35
-0.23%
3.36
Diluted NI Availto Com Stockholders
16.37
+37.08%
11.94
-6.65%
12.79
+7.46%
11.90
Occupancy And Equipment
2.39
+24.60%
1.92
+8.91%
1.76
-4.19%
1.84
Other Non Interest Expense
8.71
+0.59%
8.66
+5.05%
8.24
+10.59%
7.45
Professional Expense And Contract Services Expense
1.17
-13.64%
1.36
+95.67%
0.69
-7.10%
0.75
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,271.99
+7.11%
1,187.52
+2.56%
1,157.88
+0.56%
1,151.40
Cash And Cash Equivalents
138.76
+27.76%
108.61
+300.80%
27.10
-17.20%
32.73
Cash Financial
26.87
+45.91%
18.42
-7.95%
20.01
-20.70%
25.23
Other Short Term Investments
252.97
-35.01%
389.24
-10.98%
437.27
-5.11%
460.82
Receivables
5.10
+11.48%
4.58
-4.45%
4.79
+11.74%
4.29
Accounts Receivable
5.10
+11.48%
4.58
-4.45%
4.79
+11.74%
4.29
Net PPE
14.36
+1.26%
14.18
-1.62%
14.41
-1.74%
14.67
Gross PPE
28.09
-2.02%
28.67
-2.07%
29.27
+0.87%
29.02
Accumulated Depreciation
-13.73
+5.23%
-14.49
+2.51%
-14.86
-3.54%
-14.35
Land And Improvements
5.22
+0.00%
5.22
+0.00%
5.22
+0.00%
5.22
Buildings And Improvements
17.42
+1.24%
17.21
+1.15%
17.02
+0.61%
16.91
Machinery Furniture Equipment
5.45
-10.80%
6.10
-11.61%
6.91
+2.21%
6.76
Leases
0.00
-100.00%
0.13
+0.00%
0.13
+0.00%
0.13
Goodwill And Other Intangible Assets
6.47
-1.31%
6.56
-2.18%
6.70
-2.15%
6.85
Goodwill
6.47
+0.00%
6.47
+0.00%
6.47
+0.00%
6.47
Other Intangible Assets
—
0.09
-62.93%
0.23
-38.79%
0.38
Investments And Advances
424.19
+7.05%
396.24
-10.81%
444.27
-5.03%
467.82
Total Liabilities Net Minority Interest
1,134.09
+5.71%
1,072.81
+1.93%
1,052.54
-1.28%
1,066.13
Payables And Accrued Expenses
2.19
+14.20%
1.92
+58.97%
1.21
+882.93%
0.12
Payables
2.19
+14.20%
1.92
+58.97%
1.21
+882.93%
0.12
Accounts Payable
2.19
+14.20%
1.92
+58.97%
1.21
+882.93%
0.12
Current Accrued Expenses
—
—
—
5.61
Long Term Debt And Capital Lease Obligation
—
—
21.50
—
Long Term Debt
—
—
21.50
—
Stockholders Equity
137.80
+20.24%
114.60
+8.90%
105.23
+23.57%
85.16
Common Stock Equity
137.80
+20.24%
114.60
+8.90%
105.23
+23.57%
85.16
Capital Stock
0.04
+0.00%
0.04
+0.00%
0.04
+0.00%
0.04
Common Stock
0.04
+0.00%
0.04
+0.00%
0.04
+0.00%
0.04
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
3.81
+0.10%
3.81
+0.08%
3.80
-0.02%
3.80
Ordinary Shares Number
3.34
-0.29%
3.35
+0.03%
3.35
-0.61%
3.37
Treasury Shares Number
0.47
+3.02%
0.46
+0.46%
0.45
+4.58%
0.43
Additional Paid In Capital
41.82
+0.35%
41.68
+0.21%
41.59
-0.12%
41.64
Retained Earnings
117.64
+11.72%
105.29
+8.43%
97.11
+9.77%
88.47
Gains Losses Not Affecting Retained Earnings
-11.65
+49.34%
-22.99
+4.34%
-24.03
+32.76%
-35.74
Treasury Stock
9.88
+6.41%
9.28
+0.69%
9.22
+6.04%
8.69
Minority Interest
0.11
+0.00%
0.11
+0.00%
0.11
+0.00%
0.11
Total Equity Gross Minority Interest
137.91
+20.22%
114.71
+8.89%
105.34
+23.54%
85.27
Total Capitalization
—
—
126.73
—
Invested Capital
—
—
126.73
—
Total Debt
—
—
21.50
—
Net Tangible Assets
131.32
+21.55%
108.04
+9.65%
98.53
+25.82%
78.31
Tangible Book Value
131.32
+21.55%
108.04
+9.65%
98.53
+25.82%
78.31
Available For Sale Securities
164.22
-49.34%
324.15
—
—
Cash Cash Equivalents And Federal Funds Sold
138.76
+27.76%
108.61
+155.02%
42.59
-39.14%
69.97
Held To Maturity Securities
7.00
+0.00%
7.00
+0.00%
7.00
+0.00%
7.00
Other Equity Interest
-0.18
-31.85%
-0.14
+45.78%
-0.25
+54.64%
-0.55
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
21.28
-4.75%
22.34
+57.77%
14.16
-14.32%
16.53
Cash Flow From Continuing Operating Activities
21.28
-4.75%
22.34
+57.77%
14.16
-14.32%
16.53
Net Income From Continuing Operations
16.38
+37.04%
11.95
-6.64%
12.80
+7.45%
11.91
Depreciation Amortization Depletion
1.09
-0.73%
1.10
+6.71%
1.03
-3.93%
1.07
Depreciation And Amortization
1.09
-0.73%
1.10
+6.71%
1.03
-3.93%
1.07
Other Non Cash Items
-0.25
-128.00%
0.88
+113.04%
0.41
-83.02%
2.44
Stock Based Compensation
0.10
-48.51%
0.20
-19.84%
0.25
-42.20%
0.44
Deferred Tax
2.31
+40.43%
1.65
+27.32%
1.29
+445.15%
0.24
Deferred Income Tax
2.31
+40.43%
1.65
+27.32%
1.29
+445.15%
0.24
Operating Gains Losses
-0.69
-15.68%
-0.59
-28.63%
-0.46
+44.66%
-0.83
Gain Loss On Investment Securities
0.09
+393.75%
-0.03
+20.00%
-0.04
0.00
Unrealized Gain Loss On Investment Securities
-0.15
-139.84%
0.37
+80.68%
0.21
-50.00%
0.41
Gain Loss On Sale Of PPE
0.01
+271.43%
-0.01
0.00
0.00
Change In Working Capital
0.60
-85.84%
4.26
+203.96%
-4.10
-94.22%
-2.11
Change In Receivables
-0.53
-346.48%
0.21
+142.35%
-0.50
+41.17%
-0.85
Changes In Account Receivables
-0.53
-346.48%
0.21
+142.35%
-0.50
+41.17%
-0.85
Change In Payables And Accrued Expense
0.27
-61.71%
0.71
-34.35%
1.09
+4076.92%
0.03
Change In Payable
0.27
-61.71%
0.71
-34.35%
1.09
+4076.92%
0.03
Change In Account Payable
0.27
-61.71%
0.71
-34.35%
1.09
+4076.92%
0.03
Change In Other Working Capital
0.85
-74.34%
3.33
+171.21%
-4.68
-265.55%
-1.28
Investing Cash Flow
-41.83
-244.23%
29.01
+221.13%
-23.95
+83.37%
-144.03
Cash Flow From Continuing Investing Activities
-41.83
-244.23%
29.01
+221.13%
-23.95
+83.37%
-144.03
Net PPE Purchase And Sale
-1.35
-90.42%
-0.71
-13.24%
-0.63
-51.08%
-0.41
Purchase Of PPE
-1.35
-88.56%
-0.72
-14.35%
-0.63
-51.08%
-0.41
Sale Of PPE
0.00
-100.00%
0.01
0.00
0.00
Capital Expenditure
-1.35
-88.56%
-0.72
-14.35%
-0.63
-51.08%
-0.41
Net Investment Purchase And Sale
-57.27
-407.46%
18.63
-3.29%
19.26
+121.05%
-91.51
Purchase Of Investment
-142.25
-123.75%
-63.57
-60.83%
-39.53
+60.24%
-99.42
Sale Of Investment
84.98
+3.38%
82.20
+39.83%
58.79
+642.64%
7.92
Net Other Investing Changes
0.76
—
0.06
-66.49%
0.19
Financing Cash Flow
51.92
+226.63%
15.90
+189.08%
-17.84
-183.82%
21.29
Cash Flow From Continuing Financing Activities
51.92
+226.63%
15.90
+189.08%
-17.84
-183.82%
21.29
Net Issuance Payments Of Debt
0.00
+100.00%
-21.50
-200.00%
21.50
0.00
Issuance Of Debt
0.00
-100.00%
167.75
-52.68%
354.50
0.00
Repayment Of Debt
0.00
+100.00%
-189.25
+43.17%
-333.00
0.00
Long Term Debt Issuance
0.00
-100.00%
167.75
-52.68%
354.50
0.00
Long Term Debt Payments
0.00
+100.00%
-189.25
+43.17%
-333.00
0.00
Net Long Term Debt Issuance
0.00
+100.00%
-21.50
-200.00%
21.50
0.00
Net Common Stock Issuance
-0.58
-1309.76%
-0.04
+91.83%
-0.50
0.00
Common Stock Payments
-0.58
-1309.76%
-0.04
+91.83%
-0.50
0.00
Common Stock Dividend Paid
-4.04
-7.09%
-3.77
-3.69%
-3.63
-3.24%
-3.52
Cash Dividends Paid
-4.04
-7.09%
-3.77
-3.69%
-3.63
-3.24%
-3.52
Repurchase Of Capital Stock
-0.58
-1309.76%
-0.04
+91.83%
-0.50
0.00
Net Other Financing Charges
-0.02
+26.09%
-0.02
+0.00%
-0.02
+11.54%
-0.03
Changes In Cash
31.37
-53.35%
67.25
+343.40%
-27.63
+73.99%
-106.21
Beginning Cash Position
105.92
+173.90%
38.67
-41.67%
66.30
-61.57%
172.51
End Cash Position
137.29
+29.62%
105.92
+173.90%
38.67
-41.67%
66.30
Free Cash Flow
19.93
-7.84%
21.63
+59.78%
13.54
-16.01%
16.12
Interest Paid Supplemental Data
14.42
+3.27%
13.97
+76.11%
7.93
+405.80%
1.57
Income Tax Paid Supplemental Data
0.19
+25.97%
0.15
-91.58%
1.83
-21.44%
2.33
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