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Ticker
FCAP

Price
43.98
Stock movement down
-0.01 (-0.03%)
Company name
First Capital Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
120.75M
Ent value
1.16B
Price/Sales
2.31
Price/Book
1.03
Div yield
3.22%
Div growth
3.26%
Growth years
1
FCF payout
19.37%
Trailing P/E
10.24
Forward P/E
-
PEG
-
EPS growth
6.61%
1 year return
15.65%
3 year return
7.14%
5 year return
-8.69%
10 year return
5.29%
Last updated: 2025-09-12
First Capital GAAP EPS of $1.24, revenue of $13.26M
October 27, 2025

iO Charts is a Seeking Alpha partner

First Capital raises quarterly dividend by 6.9% to $0.31/share
August 20, 2025

iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

Dividend yield data
Dividend per share1.16
Dividend yield3.22%
Payout frequencyQuarterly
Maximum yield4.67%
Average yield3.13%
Minimum yield1.38%
Discount to avg yield2.96%
Upside potential3.05%
Yield as % of max yield69.09%

Yield distribution (inverse percentile) - 5y

Yield distribution data
Dividend yield3.22%
Current yield distribution50.79%
Yield at 100% (Min)1.38%
Yield at 90%1.91%
Yield at 80%2.40%
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

Dividend per share data
Years of growth1 years
CCC status-
Dividend per share1.16
Payout frequencyQuarterly
Ex-div date12 Sep 2025
EPS (TTM)3.52
EPS (1y forward)-
EPS growth (5y)6.61%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
FCAPS&P500
DGR MR6.90%-13.74%
DGR TTM7.41%6.60%
DGR 3 years4.00%5.24%
DGR 5 years3.26%5.40%
DGR 10 years3.05%7.07%
DGR 15 years2.84%6.12%
Time since last change announced73 days
EPS growth (5y)6.61%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM31.38%19.37%
Average39.60%30.44%
Forward--
First Capital declares $0.29 dividend
May 22, 2025

iO Charts is a Seeking Alpha partner

First Capital GAAP EPS of $0.97, revenue of $11.43M
April 25, 2025

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

Valuation Ratios data
Trailing P/E10.24
Price to OCF6.14
Price to FCF6.32
Price to EBITDA32.49
EV to EBITDA312.98

Valuation (Sales/Book Value)

Valuation (Sales/Book Value) data
Price to Sales2.31
Price to Book1.03
EV to Sales22.21
First Capital declares $0.29 dividend
February 19, 2025

iO Charts is a Seeking Alpha partner

First Capital GAAP EPS of $0.97, revenue of $11.34M
January 24, 2025

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

Per share data
Current share count3.36M
EPS (TTM)3.52
FCF per share (TTM)5.71

Income statement

Income statement data
Revenue (TTM)52.38M
Gross profit (TTM)55.48M
Operating income (TTM)10.22M
Net income (TTM)11.79M
EPS (TTM)3.52
EPS (1y forward)-

Margins

Margins data
Gross margin (TTM)105.91%
Operating margin (TTM)19.51%
Profit margin (TTM)22.51%

Balance Sheet

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Balance Sheet data
Cash29.80M
Net receivables4.22M
Total current assets434.12M
Goodwill6.47M
Intangible assets122.00K
Property, plant and equipment0.00
Total assets1.19B
Accounts payable2.50M
Short/Current long term debt33.63M
Total current liabilities2.50M
Total liabilities1.07B
Shareholder's equity116.88M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)19.68M
Capital expenditures (TTM)579.00K
Free cash flow (TTM)19.10M
Dividends paid (TTM)3.70M

Financial returns

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Financial returns data
Return on Equity10.09%
Return on Assets0.99%
Return on Invested Capital7.83%
Cash Return on Invested Capital12.69%
First Capital declares $0.29 dividend
November 25, 2024

iO Charts is a Seeking Alpha partner

First Capital GAAP EPS of $0.87, revenue of $10.93M
October 25, 2024

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

Stock price data
Open36.14
Daily high36.14
Daily low35.98
Daily Volume4K
All-time high79.90
1y analyst estimate-
Beta0.71
EPS (TTM)3.52
Dividend per share1.16
Ex-div date12 Sep 2025
Next earnings date23 Oct 2025

Downside potential

Downside potential data
FCAPS&P500
Current price drop from All-time high-54.96%-1.46%
Highest price drop-71.03%-56.47%
Date of highest drop4 May 20239 Mar 2009
Avg drop from high-25.96%-10.99%
Avg time to new high31 days12 days
Max time to new high1334 days1805 days
First Capital increases dividend by ~7% to $0.29
August 21, 2024

iO Charts is a Seeking Alpha partner

First Capital GAAP EPS of $0.85, revenue of $10.68M
July 26, 2024

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
FCAP (First Capital Inc) company logo
Marketcap
120.75M
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
Website
https://www.firstharrison.com
Investor relations
-
SEC filings
FCAP SEC filings
CEO
William W. Harrod
Country
USA
City
Corydon
Stock type
Common stock
CCC status
-
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
First Capital declares $0.27 dividend
May 24, 2024

iO Charts is a Seeking Alpha partner

First Capital GAAP EPS of $0.88, revenue of $9.6M
April 29, 2024

iO Charts is a Seeking Alpha partner

UNDERSTAND THE BUSINESS
COMPANY NEWS
Seeking AlphaPress releases
First Capital declares $0.27 dividend
February 21, 2024
First Capital GAAP EPS of $0.93, revenue of $10.38M
January 30, 2024
First Capital declares $0.27 dividend
November 26, 2023
First Capital GAAP EPS of $0.94, revenue of $10.48M
October 27, 2023
First Capital declares $0.27 dividend
August 23, 2023
First Capital GAAP EPS of $0.82, revenue of $10.18M
July 28, 2023
First Capital appoints Michael Frederick as president and CEO
June 30, 2023
First Capital declares $0.27 dividend
May 25, 2023
First Capital GAAP EPS of $1.14, revenue of $11.18M
April 28, 2023
First Capital raises quarterly dividend by 3.8% to $0.27/share
February 23, 2023
iO Charts is a Seeking Alpha partnerNext page
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