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First Capital, Inc. logo

First Capital, Inc.

FCAP

NASDAQFinancial ServicesBanks - Regional

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Previous close

$62.41

−$0.19 · -0.30%

Aug 21, 4:00 PM ET

FCAP company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

75

Undervalued

Momentum

56

Neutral

Sentiment

58

Mixed

Risk resilience

57

Elevated Risk

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Michael Chris Frederick
Listed since
Jan 4, 1999
Employees
176

Market position

Day range

Current $62.41

52-week range

Current $62.41

Open
$61.97
Previous close
$62.60
Volume
12.84K
1.4× average
Average volume
9.19K
Average daily volume
Market cap
208.79M USD
Beta
0.74
Market reference 1
50-day average
$63.3324
-1.46% below average
200-day average
$55.9404
+11.57% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
59.3M USD
EV / EBITDA
2.82×
Earnings yield
8.26%
Free cash flow yield
10.06%

Profitability & efficiency

Return on equity
11.88%
Return on assets
1.29%
Return on invested capital
11.16%

Financial health

Current ratio
0.35×
Altman Z-score
-0.17
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%75%44%13%Gross margin, FY2021: 97.94%Gross margin, FY2022: 93.92%Gross margin, FY2023: 80.17%Gross margin, FY2024: 72.25%Gross margin, FY2025: 75.75%Operating margin, FY2021: 35.06%Operating margin, FY2022: 34.00%Operating margin, FY2023: 29.38%Operating margin, FY2024: 24.38%Operating margin, FY2025: 30.48%Net margin, FY2021: 29.28%Net margin, FY2022: 28.43%Net margin, FY2023: 24.96%Net margin, FY2024: 20.54%Net margin, FY2025: 25.06%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 97.94%. Gross margin FY2022 93.92%. Gross margin FY2023 80.17%. Gross margin FY2024 72.25%. Gross margin FY2025 75.75%. Operating margin FY2021 35.06%. Operating margin FY2022 34.00%. Operating margin FY2023 29.38%. Operating margin FY2024 24.38%. Operating margin FY2025 30.48%. Net margin FY2021 29.28%. Net margin FY2022 28.43%. Net margin FY2023 24.96%. Net margin FY2024 20.54%. Net margin FY2025 25.06%.

Income trends

Revenue

65.31M USD+12.36%

Operating income

19.91M USD+40.51%

Net income

16.37M USD+37.08%
Income trends across reported periods70.7M USD49.15M USD27.59M USD6.04M USDRevenue, FY2021: 39.01M USDRevenue, FY2022: 41.87M USDRevenue, FY2023: 51.24M USDRevenue, FY2024: 58.13M USDRevenue, FY2025: 65.31M USDOperating income, FY2021: 13.68M USDOperating income, FY2022: 14.24M USDOperating income, FY2023: 15.05M USDOperating income, FY2024: 14.17M USDOperating income, FY2025: 19.91M USDNet income, FY2021: 11.42M USDNet income, FY2022: 11.9M USDNet income, FY2023: 12.79M USDNet income, FY2024: 11.94M USDNet income, FY2025: 16.37M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 39.01M USD. Revenue FY2022 41.87M USD. Revenue FY2023 51.24M USD. Revenue FY2024 58.13M USD. Revenue FY2025 65.31M USD. Operating income FY2021 13.68M USD. Operating income FY2022 14.24M USD. Operating income FY2023 15.05M USD. Operating income FY2024 14.17M USD. Operating income FY2025 19.91M USD. Net income FY2021 11.42M USD. Net income FY2022 11.9M USD. Net income FY2023 12.79M USD. Net income FY2024 11.94M USD. Net income FY2025 16.37M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue65.31M USD58.13M USD51.24M USD41.87M USD39.01M USD
Cost of goods sold15.84M USD16.13M USD10.16M USD2.54M USD803K USD
Gross profit49.47M USD42M USD41.08M USD39.32M USD38.21M USD
Selling, general, and administrative17.29M USD15.9M USD15.33M USD15.05M USD14.89M USD
Operating expenses29.56M USD27.83M USD26.03M USD25.09M USD24.53M USD
Interest income56.85M USD50.38M USD43.55M USD33.92M USD29.44M USD
Interest expense14.7M USD14.68M USD9.02M USD1.59M USD1.13M USD
Depreciation and amortization1.09M USD1.1M USD1.03M USD1.07M USD1.14M USD
Operating income19.91M USD14.17M USD15.05M USD14.24M USD13.68M USD
Net income16.37M USD11.94M USD12.79M USD11.9M USD11.42M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
1.43

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates1.521.281.050.81Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 25, 2024: actual 0.87, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 24, 2025: actual 0.97, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 25, 2025: actual 0.97, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 25, 2025: actual 1.13, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 24, 2025: actual 1.34, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 23, 2026: actual 1.46, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 24, 2026: actual 1.3, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 24, 2026: actual 1.43, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates18.54M15.76M12.99M10.21MQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q1 '26Q2 '26Q3 '26
Q3 2024, reported Jul 26, 2024: actual 14.25M USD, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Oct 25, 2024: actual 10.93M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 24, 2025: actual 11M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 25, 2025: actual 15.18M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 25, 2025: actual 16.06M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 23, 2026: actual 17.1M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 24, 2026: actual 16.97M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 24, 2026: actual 17.83M USD, estimate —, surprise —, Comparison unavailable.

FCAP news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.20

2025 complete year+15.4% since 2021

2026 partial: $0.62

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 11, 2026

$0.32

Quarterly

Record Sep 11, 2026 · Payment Sep 25, 2026

Dividend

Ex-dividend Jun 12, 2026

$0.31

Quarterly

Record Jun 12, 2026 · Payment Jun 26, 2026

Dividend

Ex-dividend Mar 13, 2026

$0.31

Quarterly

Record Mar 13, 2026 · Payment Mar 27, 2026

Dividend

Ex-dividend Dec 12, 2025

$0.31

Quarterly

Record Dec 12, 2025 · Payment Dec 26, 2025

Dividend

Ex-dividend Sep 12, 2025

$0.31

Quarterly

Record Sep 12, 2025 · Payment Sep 26, 2025

Dividend

Ex-dividend Jun 13, 2025

$0.29

Quarterly

Record Jun 13, 2025 · Payment Jun 27, 2025

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ETFs holding FCAP

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
6.38M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
5.2M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
2.43M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
1.86M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
1.27M
Weight
0.05%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.17M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
723.22K
Weight
0.05%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
671.01K
Weight
—
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%

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