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Ticker
FCAP

Price
53.52
Stock movement up
+1.30 (2.49%)
Company name
First Capital Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
179.57M
Ent value
961.22M
Price/Sales
2.75
Price/Book
0.59
Div yield
2.32%
Div growth
-2.66%
Growth years
-
FCF payout
19.89%
Trailing P/E
10.97
Forward P/E
-
PEG
-
EPS growth
10.08%
1 year return (CAGR)
52.96%
3 year return (CAGR)
26.81%
5 year return (CAGR)
2.21%
10 year return (CAGR)
8.37%
Last updated: 2026-02-20

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.24
Dividend yield2.32%
Payout frequencyQuarterly
Maximum yield4.67%
Average yield3.22%
Minimum yield1.78%
Discount to avg yield-38.98%
Upside potential-28.05%
Yield as % of max yield49.66%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.32%
Current yield distribution91.19%
Yield at 100% (Min)1.78%
Yield at 90%2.34%
Yield at 80%2.51%
Yield at 50% (Median)3.25%
Yield at 20%3.88%
Yield at 10%4.18%
Yield at 0% (Max)4.67%

Dividend per share

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Dividend per share data
Years of growth-
CCC status-
Dividend per share1.24
Payout frequencyQuarterly
Ex-div date12 Dec 2025
EPS (TTM)4.90
EPS (1y forward)-
EPS growth (5y)10.08%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
FCAPS&P500
DGR MR6.90%-13.74%
DGR TTM11.11%6.60%
DGR 3 years-7.24%7.31%
DGR 5 years-2.66%4.69%
DGR 10 years-0.12%6.30%
DGR 15 years0.95%8.16%
Time since last change announced190 days
EPS growth (5y)10.08%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM18.32%19.89%
Average--
Forward--

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E10.97
Price to OCF11.19
Price to FCF11.91
Price to EBITDA18.01
EV to EBITDA96.43

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.75
Price to Book0.59
EV to Sales14.72

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iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count3.36M
EPS (TTM)4.90
FCF per share (TTM)4.51

Income statement

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Income statement data
Revenue (TTM)65.29M
Gross profit (TTM)49.47M
Operating income (TTM)19.91M
Net income (TTM)16.37M
EPS (TTM)4.90
EPS (1y forward)-

Margins

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Margins data
Gross margin (TTM)75.77%
Operating margin (TTM)30.49%
Profit margin (TTM)25.07%

Balance Sheet

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Balance Sheet data
Cash104.39M
Net receivables0.00
Total current assets538.15M
Goodwill0.00
Intangible assets0.00
Property, plant and equipment0.00
Total assets1.19B
Accounts payable0.00
Short/Current long term debt0.00
Total current liabilities0.00
Total liabilities886.04M
Shareholder's equity303.92M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)16.05M
Capital expenditures (TTM)978.00K
Free cash flow (TTM)15.07M
Dividends paid (TTM)3.00M

Financial returns

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Financial returns data
Return on Equity5.39%
Return on Assets1.38%
Return on Invested Capital5.39%
Cash Return on Invested Capital4.96%

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STOCK INFORMATION

Stock chart

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Stock price data
Open52.00
Daily high53.82
Daily low51.37
Daily Volume7K
All-time high79.90
1y analyst estimate-
Beta0.67
EPS (TTM)4.90
Dividend per share1.24
Ex-div date12 Dec 2025
Next earnings date24 Apr 2026

Downside potential

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Downside potential data
FCAPS&P500
Current price drop from All-time high-33.02%-1.82%
Highest price drop-71.03%-56.47%
Date of highest drop4 May 20239 Mar 2009
Avg drop from high-26.32%-10.84%
Avg time to new high32 days12 days
Max time to new high1414 days1805 days

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COMPANY DETAILS
FCAP (First Capital Inc) company logo
Marketcap
179.57M
Marketcap category
Small-cap
Description
First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. 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 residential mortgage loans; construction loans for residential and commercial properties; and commercial real estate and business loans. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it offers various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; unsecured consumer loans; and loans secured by savings deposits. Additionally, the company invests in mortgage-backed securities and collateralized mortgage obligations. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.
Employees
173
Investor relations
-
SEC filings
CEO
William W. Harrod
Country
USA
City
Corydon
Stock type
Common stock
CCC status
-
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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