A Business at a Glance
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FIRST CAPITAL INC
FCAP
$203M
Mkt Cap
$60.72
+1.27%
FIRST CAPITAL INC (FCAP) has a current P/E ratio of 13.8, compared to its historical median P/E of 12.2. The stock is currently considered Fair based on its historical valuation range.
FIRST CAPITAL INC (FCAP) has a 5-year average return on invested capital (ROIC) of 11.9%. This indicates solid capital allocation.
FIRST CAPITAL INC (FCAP) has a market capitalization of $203M. It is classified as a small-cap stock.
Yes, FIRST CAPITAL INC (FCAP) pays a dividend with a trailing twelve-month yield of 1.99%. The company also returns capital through share buybacks, with a buyback yield of 0.28%.
Based on historical P/E analysis, FIRST CAPITAL INC (FCAP) appears fair. The current P/E of 13.8 is 13% above its historical median of 12.2. The estimated fair value CAGR (P/E method) is 5.4%.
FIRST CAPITAL INC (FCAP) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
FIRST CAPITAL INC (FCAP) reported annual revenue of $65 million in its most recent fiscal year, based on SEC EDGAR filings.
First Capital, Inc. (the “Company” or “First Capital”) was incorporated under Indiana law on September 11, 1998. On December 31, 1998, the Company became the holding company for First Federal Bank, A Federal Savings Bank (the “Bank”) upon the Bank’s reorganization as a wholly owned subsidiary of the Company resulting from the conversion of First Capital, Inc., M.H.C. (the “MHC”), from a federal mutual holding company to a stock holding company. On January 12, 2000, the Company completed a merger of equals with HCB Bancorp, the former holding company for Harrison County Bank, and the Bank changed its name to First Harrison Bank. On March 20, 2003, the Company acquired Hometown Bancshares, Inc. (“Hometown”), a bank holding company located in New Albany, Indiana. On December 4, 2015, the Company acquired Peoples Bancorp, Inc. of Bullitt County and its wholly-owned bank subsidiary, Peoples Bank of Bullitt County (“Peoples”), headquartered in Shepherdsville, Kentucky.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 65M | 65M | 58M | 51M | 42M | 39M |
| Net Income | 16M | 16M | 12M | 13M | 12M | 11M |
| EPS | $4.89 | $4.89 | $3.57 | $3.82 | $3.55 | $3.41 |
| Free Cash Flow | 20M | 20M | 22M | 14M | 16M | 21M |
| ROIC | 3217.6% | 13.0% | 10.9% | 13.4% | 12.0% | 10.2% |
| Gross Margin | 0.0% | 0.0% | 74.8% | 81.7% | 93.9% | 96.3% |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividends/Share | $1.21 | $1.20 | $1.12 | $1.08 | $1.04 | $1.04 |
| Operating Income | 20M | 20M | 14M | 15M | 14M | 14M |
| Operating Margin | 30.5% | 30.5% | 24.4% | 29.4% | 34.0% | 35.1% |
| ROE | 11.9% | 13.0% | 10.9% | 13.4% | 12.0% | 10.2% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 3M | 3M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 23M | 24M | 31M | 33M | 35M | 39M | 38M | 39M | 42M | 51M | 58M | 65M | 65M |
| Gross Margin | 94.3% | 95.6% | 92.3% | 93.0% | 92.1% | 91.3% | 91.2% | 96.3% | 93.9% | 81.7% | 74.8% | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 7.7M | 7.9M | 10M | 11M | 12M | 13M | 14M | 15M | 15M | 15M | 16M | 17M | 17M |
| EBIT | 7.9M | 7.2M | 9.4M | 11M | 11M | 12M | 12M | 14M | 14M | 15M | 14M | 20M | 20M |
| Op. Margin | 33.9% | 30.1% | 30.1% | 31.9% | 30.4% | 31.6% | 30.9% | 35.1% | 34.0% | 29.4% | 24.4% | 30.5% | 30.5% |
| Net Income | 5.6M | 5.2M | 6.9M | 7.4M | 9.3M | 10M | 10M | 11M | 12M | 13M | 12M | 16M | 16M |
| Net Margin | 24.0% | 21.8% | 22.0% | 22.5% | 26.4% | 26.5% | 26.5% | 29.3% | 28.4% | 25.0% | 20.5% | 25.1% | 25.1% |
| Non-Recurring | 0 | -61K | -11K | 1K | 0 | 0 | -13K | 0 | 0 | 0 | 7K | -12K | -12K |
| Returns on Capital | |||||||||||||
| ROIC | 10.1% | 7.9% | 9.1% | 9.5% | 11.1% | 11.2% | 9.7% | 10.2% | 12.0% | 13.4% | 10.9% | 13.0% | N/M |
| ROE | 10.1% | 7.9% | 9.1% | 9.5% | 11.1% | 11.2% | 9.7% | 10.2% | 12.0% | 13.4% | 10.9% | 13.0% | 11.9% |
| ROA | 1.2% | 0.9% | 0.9% | 1.0% | 1.2% | 1.3% | 1.1% | 1.1% | 1.0% | 1.1% | 1.0% | 1.3% | 1.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 6.9M | 6.0M | 8.2M | 13M | 13M | 14M | 12M | 22M | 17M | 14M | 22M | 21M | 21M |
| Free Cash Flow | 6.3M | 4.9M | 6.2M | 12M | 13M | 11M | 11M | 21M | 16M | 14M | 22M | 20M | 20M |
| Owner Earnings | 6.1M | 5.2M | 7.0M | 12M | 12M | 13M | 10M | 20M | 15M | 13M | 21M | 20M | 20M |
| CapEx | 559K | 1.1M | 2.0M | 1.3M | 402K | 3.0M | 602K | 288K | 415K | 627K | 717K | 1.4M | 1.4M |
| Maint. CapEx | 698K | 756K | 1.2M | 1.2M | 1.2M | 1.1M | 1.2M | 1.1M | 1.1M | 1.0M | 1.1M | 1.1M | 1.1M |
| Growth CapEx | 0 | 349K | 805K | 43K | 0 | 1.9M | 0 | 0 | 0 | 0 | 0 | 263K | 263K |
| D&A | 698K | 756K | 1.2M | 1.2M | 1.2M | 1.1M | 1.2M | 1.1M | 1.1M | 1.0M | 1.1M | 1.1M | 1.1M |
| CapEx/OCF | 8.1% | 18.4% | 24.2% | 9.5% | 3.0% | 21.1% | 5.0% | 1.3% | 2.5% | 4.4% | 3.2% | N/A | 6.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 2.3M | 2.4M | 2.8M | 2.9M | 3.1M | 3.2M | 3.3M | 3.5M | 3.5M | 3.6M | 3.8M | 4.0M | 4.0M |
| Dividend Yield | 5.4% | 4.6% | 3.6% | 3.3% | 3.0% | 2.1% | 1.9% | 2.7% | 3.7% | 4.3% | 3.9% | N/A | 2.0% |
| Share Buybacks | 908K | 10K | 34K | 16K | 32K | 2K | 13K | 40K | 0 | 502K | 41K | 578K | 578K |
| Buyback Yield | 1.9% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | N/A | 0.6% | 0.0% | 0.0% | 0.3% |
| Stock-Based Comp | 92K | 71K | 82K | 88K | 192K | 288K | 381K | 487K | 436K | 252K | 202K | 104K | 104K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 333M | 189M | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -620M | -527M | -476M | -495M | -554M | -137M |
| Cash & Equiv. | 14M | 15M | 19M | 26M | 41M | 51M | 176M | 173M | 66M | 39M | 106M | 137M | 137M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 7.27 | 8.62 | 8.82 | 8.38 | 8.25 | 7.37 | 8.20 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 | 1.4 |
| Equity | 57M | 74M | 76M | 81M | 86M | 99M | 111M | 114M | 85M | 105M | 115M | 138M | 138M |
| Total Assets | 473M | 716M | 744M | 759M | 794M | 827M | 1.0B | 1.2B | 1.2B | 1.2B | 1.2B | 1.3B | 1.3B |
| Total Liabilities | 416M | 641M | 668M | 678M | 708M | 729M | 907M | 1.0B | 1.1B | 1.1B | 1.1B | 1.1B | 1.1B |
| Intangibles | N/A | 1.4M | 1.3M | 1.1M | 966K | 819K | 672K | 526K | 379K | 232K | 86K | 0 | 0 |
| Retained Earnings | 40M | 43M | 47M | 52M | 58M | 65M | 72M | 80M | 88M | 97M | 105M | 118M | 118M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 2.03 | 1.87 | 2.05 | 2.23 | 2.77 | 3.09 | 3.02 | 3.41 | 3.55 | 3.82 | 3.57 | 4.89 | 4.89 |
| Owner EPS | 2.22 | 1.86 | 2.08 | 3.63 | 3.57 | 3.81 | 3.12 | 5.97 | 4.48 | 3.85 | 6.29 | 6.00 | 6.00 |
| Book Value | 20.73 | 26.76 | 22.62 | 24.26 | 25.70 | 29.58 | 32.98 | 33.98 | 25.40 | 31.43 | 34.26 | 41.17 | 41.17 |
| Cash Flow/Share | 2.51 | 2.16 | 2.46 | 4.02 | 4.00 | 4.21 | 3.60 | 6.46 | 4.93 | 4.23 | 6.68 | 6.36 | 5.22 |
| Dividends/Share | 0.84 | 0.84 | 0.84 | 0.86 | 0.92 | 0.95 | 0.96 | 1.04 | 1.04 | 1.08 | 1.12 | 1.20 | 1.21 |
| Shares Out. | 2.8M | 2.8M | 3.3M | 3.3M | 3.3M | 3.3M | 3.4M | 3.4M | 3.4M | 3.3M | 3.3M | 3.3M | 3.3M |
| Valuation | |||||||||||||
| P/E Ratio | 8.7 | 10.2 | 12.2 | 13.2 | 12.2 | 18.6 | 17.7 | 10.2 | 6.3 | 6.4 | 8.8 | N/A | 12.4 |
| P/FCF | 7.7 | 10.9 | 13.4 | 8.1 | 8.7 | 17.3 | 15.6 | 5.5 | 4.6 | 6.1 | 4.9 | N/A | 10.2 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3.3 |
| Price/Book | 0.9 | 0.7 | 1.1 | 1.2 | 1.3 | 1.9 | 1.6 | 1.0 | 0.9 | 0.8 | 0.9 | N/A | 1.5 |
| Price/Sales | 1.9 | 2.3 | 2.6 | 17.6 | 20.0 | 27.2 | 30.4 | 20.4 | 13.3 | 12.2 | 13.9 | N/A | 3.1 |
| FCF Yield | 13.0% | 9.2% | 7.5% | 12.4% | 11.5% | 5.8% | 6.4% | 18.2% | 21.7% | 16.4% | 20.6% | N/A | 9.8% |
| Market Cap | 49M | 53M | 84M | 98M | 113M | 192M | 179M | 117M | 74M | 82M | 105M | 0 | 203M |
| Avg. Price | 15.63 | 19.03 | 23.19 | 26.26 | 31.45 | 44.93 | 52.17 | 39.33 | 28.24 | 25.52 | 29.24 | 0.00 | 60.72 |
| Year-End Price | 17.67 | 19.14 | 25.01 | 29.48 | 33.79 | 57.41 | 53.34 | 34.95 | 22.20 | 24.59 | 31.42 | 0.00 | 60.72 |
FIRST CAPITAL INC passes 5 of 9 quality checks, suggesting mixed fundamentals.
FIRST CAPITAL INC trades at 13.8x trailing earnings, compared to its 15-year median P/E of 12.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 10.6x vs a median of 8.1x. The company's 5-year average ROIC is 11.9% with a gross margin of 69.3%. Total shareholder yield (dividends + buybacks) is 2.3%. At current prices, the estimated annualized return to fair value is +7.7%.
FIRST CAPITAL INC (FCAP) has a net profit margin of 25.1%. This is a strong margin indicating high profitability.
FIRST CAPITAL INC (FCAP) generated $20 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FIRST CAPITAL INC (FCAP) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
FIRST CAPITAL INC (FCAP) reported earnings per share (EPS) of $4.89 in its most recent fiscal year.
FIRST CAPITAL INC (FCAP) has a return on equity (ROE) of 13.0%. This indicates moderate shareholder returns.
FIRST CAPITAL INC (FCAP) has a 5-year average gross margin of 69.3%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for FIRST CAPITAL INC (FCAP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FIRST CAPITAL INC (FCAP) has a book value per share of $41.17, based on its most recent annual SEC filing.
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