FCAP - NASDAQ
First Capital, Inc.
$60.46
+0.22%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.
At a Glance
Live SnapshotFirst Capital, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
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Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $20.0M | $18.6M | $17.3M | $16.1M | $15.0M | $14.0M | $13.0M | $12.1M | $11.3M | $10.5M |
| Maintenance CapEx | -$251.7K | -$234.3K | -$218.1K | -$203.0K | -$189.0K | -$175.9K | -$163.7K | -$152.4K | -$141.9K | -$132.0K |
| Owner Earnings | $19.7M | $18.4M | $17.1M | $15.9M | $14.8M | $13.8M | $12.8M | $12.0M | $11.1M | $10.4M |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $18.3M | $15.8M | $13.6M | $11.7M | $10.1M | $8.7M | $7.5M | $6.5M | $5.6M | $4.8M |
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