First Capital, Inc. (NASDAQ:FCAP)

First Capital, Inc. FCAP

Financial Services - Banks - Regional - NASDAQ - US

Watchlist

$ 43.975

1.23 %

$ 148 M

Market Cap

12.05

P/E

1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one FCAP stock under the worst case scenario is HIDDEN Compared to the current market price of 44 USD, First Capital, Inc. is HIDDEN

FCAP Intrinsic Value
HIDDEN

SHOW

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one FCAP stock under the base case scenario is HIDDEN Compared to the current market price of 44 USD, First Capital, Inc. is HIDDEN

FCAP Intrinsic Value
HIDDEN

SHOW

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one FCAP stock under the best case scenario is HIDDEN Compared to the current market price of 44 USD, First Capital, Inc. is HIDDEN

FCAP Intrinsic Value
HIDDEN

SHOW

2. FUNDAMENTAL ANALYSIS

Price Chart FCAP

FINANCIALS

Annual
Quarterly

14.2 M OPERATING INCOME

22.3 M OPERATING CASH FLOW

29 M INVESTING CASH FLOW

15.9 M FINANCING CASH FLOW

3.91 M OPERATING INCOME

4.39 M OPERATING CASH FLOW

-10.2 M INVESTING CASH FLOW

16.5 M FINANCING CASH FLOW

Balance Sheet First Capital, Inc.

1.19 B ASSETS
1.07 B LIABILITIES

Current Assets	96.3 M
Cash & Short-Term Investments	91.7 M
Receivables	4.58 M
Other Current Assets	0
Non-Current Assets	1.08 B
Long-Term Investments	963 M
PP&E	14.2 M
Other Non-Current Assets	105 M

Current Liabilities	1.07 B
Accounts Payable	1.92 M
Short-Term Debt	0
Other Current Liabilities	1.07 B
Non-Current Liabilities	4.45 M
Long-Term Debt	0
Other Non-Current Liabilities	4.45 M

EFFICIENCY

Earnings Waterfall First Capital, Inc.

Revenue	58.1 M
Cost Of Revenue	16.1 M
Gross Profit	42 M
Operating Expenses	27.8 M
Operating Income	14.2 M
Other Expenses	2.23 M
Net Income	11.9 M

RATIOS

24.38% OPERATING MARGIN

FREE CASH FLOW ANALYSIS

Free Cash Flow Analysis First Capital, Inc.

Net Income	11.9 M
Depreciation & Amortization	1.1 M
Capital Expenditures	-717 K
Stock-Based Compensation	202 K
Change in Working Capital	4.26 M
Others	6.52 M
Free Cash Flow	21.6 M

3. WALL STREET ANALYSTS ESTIMATES

Wall Street Analysts Price Targets First Capital, Inc.

FCAP has no price targets from Wall Street.

4. DIVIDEND ANALYSIS

0.76% DIVIDEND YIELD

0.29 USD DIVIDEND PER SHARE

5. COMPETITION

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States.

15.2 USD

MGYR

Overvalued 6.77%

First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States.

37.8 USD

FNWB

Undervalued 401.50%

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia.

-7.01 USD

OFED

Overvalued 157.93%

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services. It offers checking, savings, and individual retirement accounts, as well as certificates of deposit accounts.

6. Ownership

Insider Ownership First Capital, Inc.

Summary
Transactions

Sold

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

0 USD 0

Bought

8.96 K USD 1

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

47.8 K USD 1

9-12 MONTHS

Date	Value	Insider	Amount	Avg Price
1 month ago May 01, 2025	Bought 6.21 K USD	Kraft Pamela G Director	+ 140	44.38 USD
1 month ago May 01, 2025	Bought 2.74 K USD	Kraft Pamela G Director	+ 60	45.7 USD
1 year ago Feb 28, 2024	Bought 5.01 K USD	Stevens Joshua Paul CHIEF FINANCIAL OFFICER	+ 180	27.85 USD
1 year ago Nov 03, 2023	Bought 7.4 K USD	Stevens Joshua Paul CHIEF FINANCIAL OFFICER	+ 305	24.27 USD
10 months ago Aug 02, 2024	Bought 15.9 K USD	Shireman John Director	+ 500	31.75 USD
10 months ago Aug 02, 2024	Bought 16.1 K USD	Shireman John Director	+ 500	32.1176 USD
10 months ago Aug 05, 2024	Bought 15.8 K USD	Shireman John Director	+ 500	31.6868 USD
10 years ago Aug 04, 2014	Sell 19.1 K USD	HARROD WILLIAM W President and CEO	- 900	21.25 USD
10 years ago Aug 04, 2014	Sell 33.6 K USD	HARROD WILLIAM W President and CEO	- 1600	21 USD
10 years ago Jul 30, 2014	Sell 2.71 K USD	UHL SAMUEL E Director	- 128	21.1501 USD

7. News

First Capital, Inc. Announces Quarterly Dividend CORYDON, Ind., May 22, 2025 (GLOBE NEWSWIRE) -- The Board of Directors of First Capital, Inc. (NASDAQ: FCAP) has declared a quarterly cash dividend of $0.29 (twenty-nine cents) per share of common stock, according to Michael C. Frederick, President and Chief Executive Officer. The dividend will be paid on June 27, 2025 to shareholders of record as of June 13, 2025. globenewswire.com - 1 month ago

First Capital, Inc. Reports Quarterly Earnings CORYDON, Ind., April 25, 2025 (GLOBE NEWSWIRE) -- First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $3.2 million, or $0.97 per diluted share, for the quarter ended March 31, 2025, compared to net income of $3.0 million, or $0.88 per diluted share, for the quarter ended March 31, 2024. globenewswire.com - 2 months ago

Regional bank reporting will be better reflection of economic uncertainty: RBC's Gerard Cassidy Gerard Cassidy, RBC Capital Markets Managing Director, joins 'Closing Bell Overtime' to talk quarterly banking results. youtube.com - 2 months ago

First Capital, Inc. Announces Date of Annual Meeting CORYDON, Ind., Feb. 19, 2025 (GLOBE NEWSWIRE) -- First Capital, Inc. (NASDAQ:FCAP), the holding company for First Harrison Bank, today announced that its annual meeting of stockholders will be held on Wednesday, May 21, 2025. globenewswire.com - 4 months ago

First Capital, Inc. Announces Quarterly Dividend CORYDON, Ind., Feb. 19, 2025 (GLOBE NEWSWIRE) -- The Board of Directors of First Capital, Inc. (NASDAQ: FCAP) has declared a quarterly cash dividend of $0.29 (twenty-nine cents) per share of common stock, according to Michael C. Frederick, President and Chief Executive Officer. The dividend will be paid on March 28, 2025 to shareholders of record as of March 14, 2025. globenewswire.com - 4 months ago

First Capital, Inc. Reports Annual and Quarterly Earnings CORYDON, Ind., Jan. 24, 2025 (GLOBE NEWSWIRE) -- First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $11.9 million, or $3.57 per diluted share, for the year ended December 31, 2024, compared to net income of $12.8 million, or $3.82 per diluted share, for the year ended December 31, 2023. globenewswire.com - 5 months ago

First Capital, Inc. Announces Quarterly Dividend CORYDON, Ind., Nov. 25, 2024 (GLOBE NEWSWIRE) -- The Board of Directors of First Capital, Inc. (NASDAQ: FCAP) has declared a quarterly cash dividend of $0.29 (twenty-nine cents) per share of common stock, according to Michael C. Frederick, President and Chief Executive Officer. The dividend will be paid on December 27, 2024 to shareholders of record as of December 13, 2024. globenewswire.com - 6 months ago

First Capital, Inc. Reports Quarterly Earnings CORYDON, Ind., Oct. 25, 2024 (GLOBE NEWSWIRE) -- First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $2.9 million, or $0.87 per diluted share, for the quarter ended September 30, 2024, compared to net income of $3.1 million, or $0.94 per diluted share, for the quarter ended September 30, 2023. globenewswire.com - 8 months ago

First Capital, Inc. Announces Quarterly Dividend Increase CORYDON, Ind., Aug. 21, 2024 (GLOBE NEWSWIRE) -- The Board of Directors of First Capital, Inc. (NASDAQ: FCAP) has declared a quarterly cash dividend of $0.29 (twenty-nine cents) per share of common stock, according to Michael C. Frederick, President and Chief Executive Officer. The dividend will be paid on September 27, 2024 to shareholders of record as of September 13, 2024. This represents an increase of $0.02 (two cents) per share, or 7.4%, compared to the most recent dividend paid on June 28, 2024. globenewswire.com - 10 months ago

First Capital, Inc. Reports Quarterly Earnings CORYDON, Ind., July 26, 2024 (GLOBE NEWSWIRE) -- First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $2.8 million, or $0.85 per diluted share, for the quarter ended June 30, 2024, compared to net income of $2.7 million, or $0.82 per diluted share, for the quarter ended June 30, 2023. globenewswire.com - 11 months ago

First Capital, Inc. Announces Quarterly Dividend CORYDON, Ind., May 24, 2024 (GLOBE NEWSWIRE) -- The Board of Directors of First Capital, Inc. (NASDAQ: FCAP) has declared a quarterly cash dividend of $0.27 (twenty-seven cents) per share of common stock, according to Michael C. Frederick, President and Chief Executive Officer. The dividend will be paid on June 28, 2024 to shareholders of record as of June 14, 2024. globenewswire.com - 1 year ago

First Capital, Inc. Reports Quarterly Earnings CORYDON, Ind., April 26, 2024 (GLOBE NEWSWIRE) -- First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $3.0 million, or $0.88 per diluted share, for the quarter ended March 31, 2024, compared to net income of $3.8 million, or $1.14 per diluted share, for the quarter ended March 31, 2023. globenewswire.com - 1 year ago

8. Profile Summary

First Capital, Inc. FCAP

COUNTRY US

INDUSTRY Banks - Regional

MARKET CAP $ 148 M

Dividend Yield 0.76%

Description 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.

Contact 220 Federal Drive, NW, Corydon, IN, 47112 https://www.firstharrison.com

IPO Date Jan. 4, 1999

Employees 173

Officers Terri Vorbrink Corporate Secretary, HR & Administration Officer Mr. Michael Chris Frederick Chief Executive Officer, President & Director Ms. Jennifer A. Meredith Human Resources Manager Ms. Angie Jett Chief Operating Officer Mr. Jeff Thomas Director of Business Development & Director of Business Development of First Harrison Bank Mr. Joshua P. Stevens CPA Chief Financial Officer Mr. Joseph D. Mahuron Chief Credit Officer Ms. Jennifer S. Incantalupo Chief Information Officer

Price Chart FCAP

First Capital, Inc. FCAP

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