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First Capital, Inc.(FCAP)Earnings, Financials & Key Ratios
FCAP•NASDAQ•Banking & Credit
$62.99
12.9× P/E·Price updated Jun 25, 2026
AboutFirst 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.Show more
- Net Interest Income$42M+18.1%
- Total Revenue$65M+12.4%
- Net Income$16M+37.1%
- Return on Equity12.96%+19.4%
- Net Interest Margin3.31%+10.2%
- Efficiency Ratio45.26%-5.5%
- ROA1.33%+30.7%
- Equity / Assets10.84%+12.2%
- Book Value per Share41.19+20.2%
FCAP Price & Volume
First Capital, Inc. (FCAP) stock price & volume — 10-year historical chart
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Margin Expansion Drives Consistent Earnings Growth Trajectory
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Strong
Financial:Fortress
Cash Flow:Robust
Primary Risk:Excessive Liquidity Drag
Key Thesis Takeaways
- First Capital, Inc.
- demonstrates a disciplined growth profile characterized by a steady expansion in net interest income from $8.5 million in 2023Q4 to $11.4 million in 2026Q1.
- While the bank maintains a fortress-like balance sheet with an 11% equity-to-assets ratio, investors should monitor the potential duration risk inherent in its $1.1 billion investment securities portfolio.
- The bank's ability to improve its efficiency ratio to 45.7% suggests effective operational leverage, though future performance remains sensitive to regional mortgage market cyclicality.
Verdict Logic
while the bank shows strong profitability with a 3.1% ROE and improving efficiency, the current 1.57 P/B valuation warrants caution given the potential drag from excess liquidity and interest rate sensitivity.
FCAP Growth Metrics
First Capital, Inc. (FCAP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.68%
5 Years11.3%
3 Years15.98%
TTM-
Profit CAGR
10 Years12.15%
5 Years10.07%
3 Years11.2%
TTM42.86%
EPS CAGR
10 Years10.09%
5 Years10.12%
3 Years11.27%
TTM42.9%
Return on Capital
10 Years12.85%
5 Years13.33%
3 Years13.39%
Last Year14.97%
FCAP Recent Earnings
First Capital, Inc. (FCAP) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 24, 2026Metric
Actual
Est
EPS
$1.30
—
Rev
$17M
—
Q1 2026
Jan 23, 2026Metric
Actual
Est
EPS
$1.46
—
Rev
$17M
—
Q4 2025
Oct 24, 2025Metric
Actual
Est
EPS
$1.34
—
Rev
—
—
Q3 2025
Jul 25, 2025Metric
Actual
Est
EPS
$1.13
—
Rev
$16M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $1.30 | $17M |
| Q1 2026 | Jan 23, 2026 | $1.46 | $17M |
| Q4 2025 | Oct 24, 2025 | $1.34 | — |
| Q3 2025 | Jul 25, 2025 | $1.13 | $16M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for First Capital, Inc. (FCAP)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $62.99 | $210.73M | 12.88 | 12.36% | 25.06% | 12.96% | 1.91% | |
| $61.64 | $1.54B | 15.37 | -1.93% | 25.81% | 14.79% | — | |
| $49.31 | $1.02B | -13.93 | -23.13% | 16.66% | 10.02% | — | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — | |
| $22.82 | $220.08M | 15.63 | -9.41% | 16.49% | 8% | — | |
| $34.94 | $5.01B | 19.74 | 11.71% | 31.14% | 14.2% | — |
Compare FCAP vs Peers
First Capital, Inc. (FCAP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FCAP SEC Filings & Documents
First Capital, Inc. (FCAP) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FCAP Frequently Asked Questions
First Capital, Inc. (FCAP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Capital, Inc. growing?
First Capital, Inc. (FCAP) grew revenue by 12.4% over the past year. This is steady growth.
Is FCAP profitable?
Yes, First Capital, Inc. (FCAP) is profitable, generating $17.5M in net income for fiscal year 2025 (25.1% net margin).
Dividend & Returns
Does FCAP pay dividends?
Yes, First Capital, Inc. (FCAP) pays a dividend with a yield of 1.91%. This makes it attractive for income-focused investors.
What is FCAP's return on equity?
First Capital, Inc. (FCAP) has a return on equity (ROE) of 13.0%. This is reasonable for most industries.
Industry Metrics
What is First Capital, Inc.'s net interest margin?
First Capital, Inc. (FCAP) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
What is First Capital, Inc.'s efficiency ratio?
First Capital, Inc. (FCAP) has an efficiency ratio of 45.3%. This is excellent, indicating strong cost control.