FCAP - NASDAQ

First Capital, Inc.

FCAP·NASDAQ

$61.12

+2.0%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$204.48M

EPS4.8900

P/E Ratio12.10

Earnings Date07/24/2026

1.27B

Assets

3Y+10.0%

5Y+25.0%

10Y+71.0%

1.13B

Total Liabilities

3Y+6.0%

5Y+25.0%

10Y+70.0%

137.91M

Total Equity

20%

3Y+62.0%

5Y+25.0%

10Y+82.0%

First Capital, Inc. Funding & Solvency Profile

FCAP · NASDAQ

Current Assets

Cash & Cash Equivalents138.76M

Net Receivables5.10M

Inventory0.00

Other Current Assets0.00

Total Current Assets397 M

Non-Current Assets

Property, Plant & Equipment14.36M

Goodwill & Intangible Assets6.47M

Long-Term Investments826.78M

Other Non-Current Assets27.55M

Total Non-Current Assets869 M

Total Assets

1.27B

Financial Health Analysis

Current Ratio

0.35x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.22x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-728358000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

31% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

First Capital, Inc. Balance Sheet

FCAP • NASDAQ

First Capital, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	138.8M	108.6M	27.1M	32.7M	32.3M	41.6M	28.8M	26.8M	29.5M	35.4M	35M	22.8M	15M	13.3M	11.3M	13M	15.9M	21.3M	14.7M	24.2M
Short-Term Investments	253M	389.2M	437.3M	460.8M	447.3M	283.5M	254.6M	261.8M	271.2M	255.8M	186.8M	100.2M	108.8M	123M	111.4M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	391.7M	497.9M	464.4M	493.5M	479.6M	325.1M	283.4M	288.7M	300.6M	291.3M	221.8M	123M	123.7M	136.2M	122.8M	13M	15.9M	21.3M	14.7M	24.2M
Net Receivables	5.1M	4.6M	4.8M	4.3M	3.4M	3.4M	3.1M	2.8M	2.7M	2.4M	2.2M	1.6M	1.7M	1.8M	1.8M	1.9M	2.1M	2.3M	2.5M	2.5M
Accounts Receivables	5.1M	4.6M	4.8M	4.3M	3.4M	3.4M	3.1M	2.8M	2.7M	2.4M	2.2M	1.6M	1.7M	1.8M	1.8M	1.9M	2.1M	2.3M	2.5M	2.5M
Total Current Assets	396.8M	502.4M	469.2M	497.8M	483M	328.5M	286.5M	291.5M	303.3M	293.6M	224M	124.6M	125.4M	138M	124.6M	14.9M	17.9M	23.6M	17.2M	26.7M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	14.4M	14.2M	14.4M	14.7M	15.2M	16M	16.4M	14.4M	15M	14.8M	13.9M	10.2M	10.3M	10.8M	10.7M	11M	11.6M	11.4M	10.6M	9.2M
Goodwill	6.5M	6.5M	6.5M	6.5M	6.5M	6.5M	6.5M	6.5M	6.5M	6.5M	6.5M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	0.0	0.0
Intangible Assets	0.0	86K	232K	379K	526K	672K	819K	966K	1.1M	1.3M	1.4M	0.0	0.0	747K	32K	98K	171K	244K	5.7M	5.8M
Goodwill & Intangible Assets	6.5M	6.6M	6.7M	6.9M	7M	7.1M	7.3M	7.4M	7.6M	7.7M	7.9M	5.4M	5.4M	6.1M	5.4M	5.5M	5.6M	5.6M	5.7M	5.8M
Long-Term Investments	826.8M	638.7M	622.2M	565.8M	487.7M	508.3M	470.7M	437.1M	412.2M	385.7M	362.3M	302.2M	290.1M	284M	279M	399.8M	406.3M	406.4M	408.8M	408.3M
Other Non-Current Assets	27.6M	25.7M	45.4M	66.3M	163.7M	157.7M	46.7M	43.8M	20.8M	41.8M	107.7M	30.4M	13.1M	21M	19.2M	21.2M	14.1M	11.6M	10.9M	7.1M
Total Non-Current Assets	875.2M	685.1M	688.7M	653.6M	673.6M	689.1M	541M	502.7M	455.6M	450M	491.8M	348.2M	319M	321.2M	314.3M	437.5M	437.6M	435M	436M	430.5M
Total Assets	1.3B	1.2B	1.2B	1.2B	1.2B	1B	827.5M	794.2M	759M	743.7M	715.8M	472.8M	444.4M	459.1M	438.9M	452.4M	455.5M	458.6M	453.2M	457.1M
LIABILITIES
CURRENT LIABILITIES
Total Payables	2.2M	1.9M	1.2M	123K	97K	153K	210K	150K	107K	133K	167K	127K	192K	290K	413K	649K	980K	1.4M	1.9M	1.9M
Accounts Payable	2.2M	1.9M	1.2M	123K	97K	153K	210K	150K	107K	133K	167K	127K	192K	290K	413K	649K	980K	1.4M	1.9M	1.9M
Accrued Expenses	0.0	0.0	0.0	5.6M	7M	6.2M	6.2M	6.4M	3.2M	3M	4M	2.8M	2.2M	2.4M	1.6M	1.3M	1.3M	1.4M	1.9M	1.9M
Short Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	18.6M	28.2M	18.3M	17.3M	7.9M	4.6M	15.6M	19.2M
Other Current Liabilities	1.1B	1.1B	1B	1.1B	1B	900.5M	722.2M	701.6M	664.6M	664.7M	637.2M	412.6M	373.8M	384.3M	364.4M	378M	374.5M	355.9M	328.2M	331.1M
Total Current Liabilities	1.1B	1.1B	1B	1.1B	1B	906.8M	728.5M	708.2M	667.9M	667.8M	641.3M	415.5M	394.9M	415.2M	384.6M	397.3M	384.7M	363.3M	347.5M	354.1M
NON-CURRENT LIABILITIES
Long Term Debt	0.0	0.0	21.5M	0.0	0.0	0.0	0.0	0.0	10M	0.0	0.0	0.0	5.5M	5.1M	12.4M	15.7M	24.8M	47.8M	60.7M	59.5M
Other Non-Current Liabilities	8.9M	4.5M	4.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-9.3M	-14.1M	-9.1M	-8.7M	0.0	0.0	-768K	-542K
Total Non-Current Liabilities	8.9M	4.5M	26.1M	0.0	0.0	0.0	41.2M	150K	10M	0.0	0.0	0.0	-3.8M	-9M	3.2M	7.1M	24.8M	47.8M	59.9M	59.5M
Total Liabilities	1.1B	1.1B	1.1B	1.1B	1B	906.8M	728.5M	708.2M	677.9M	667.8M	641.3M	415.5M	391M	406.2M	387.8M	404.4M	409.5M	411.1M	407.4M	413M
SHAREHOLDERS' EQUITY
Treasury Stock	-9.9M	-9.3M	-9.2M	-8.7M	-8.7M	-8.5M	-8.4M	-8.3M	-8.3M	-8.3M	-8.3M	-8.3M	-7.3M	-7.3M	-7.3M	-7.3M	-7.2M	-6.6M	-6.3M	-5.6M
Common Stock	38K	38K	38K	38K	38K	38K	38K	38K	38K	38K	38K	32K	32K	32K	32K	32K	31K	31K	31K	31K
Additional Paid-In Capital	41.8M	41.7M	41.6M	41.6M	41.7M	41.7M	40.7M	40.2M	39.5M	39.5M	39.5M	24.3M	24.3M	24.3M	24.3M	24.3M	24M	24M	23.9M	23.6M
Retained Earnings	117.6M	105.3M	97.1M	88.5M	80.1M	72.2M	65.3M	58.1M	52M	47.1M	43M	40.2M	36.9M	34.1M	32.3M	30.4M	28.6M	29.9M	28.3M	26.8M
Accumulated Other Comprehensive Income/Loss	-11.6M	-23M	-24M	-35.7M	1.7M	6.8M	2.1M	-3.5M	-2.1M	-2.3M	497K	800K	-720K	1.7M	1.6M	391K	490K	270K	-174K	-784K
Other Total Stockholders' Equity	-178K	-135K	-249K	-549K	-1M	-1.5M	-940K	-720K	-212K	-300K	-382K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Stockholders' Equity	137.8M	114.6M	105.2M	85.2M	113.8M	110.6M	98.8M	85.8M	80.9M	75.7M	74.4M	57.1M	53.2M	52.8M	50.9M	47.9M	45.9M	47.5M	45.7M	44.1M
Total Equity	137.9M	114.7M	105.3M	85.3M	113.9M	110.8M	98.9M	86M	81.1M	75.8M	74.5M	57.2M	53.3M	52.9M	51.1M	48M	46.1M	47.5M	45.7M	44.1M
Minority Interest	112K	112K	112K	112K	112K	112K	112K	112K	112K	112K	112K	112K	112K	112K	111K	111K	112K	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	1.3B	1.2B	1.2B	1.2B	1.2B	1B	827.5M	794.2M	759M	743.7M	715.8M	472.8M	444.4M	459.1M	438.9M	452.4M	455.5M	458.6M	453.2M	457.1M
Total Investments	1.1B	1B	1.1B	1B	935M	791.8M	725.2M	699M	683.4M	641.4M	549M	402.4M	398.9M	407M	390.4M	399.8M	406.3M	406.4M	408.8M	408.3M
Total Debt	0.0	0.0	21.5M	0.0	0.0	0.0	0.0	0.0	10M	0.0	0.0	0.0	24.1M	33.3M	30.6M	33.1M	32.7M	52.4M	76.3M	78.7M
Net Debt	-138.8M	-108.6M	-5.6M	-32.7M	-32.3M	-41.6M	-28.8M	-26.8M	-19.5M	-35.5M	-35M	-22.8M	9.2M	20M	19.3M	20.1M	16.9M	31.1M	61.6M	54.5M
Shares Outstanding	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118	3,355,118

SEC Filings

FCAP - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 22, 2026	May 18, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 12, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 24, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 08, 2026	May 18, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 31, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 19, 2026	February 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 23, 2026	January 23, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 14, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 24, 2025	October 24, 2025	2025	View Filing
8-K 8-K 2025 N/A	August 29, 2025	August 29, 2025	2025	View Filing

Showing 1 to 10 of 317 filings

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