NASDAQ: FCAP
First Capital Inc Stock

$63.49-0.70 (-1.09%)
Updated Jun 15, 2026
FCAP Price
$63.49
Fair Value Price
N/A
Market Cap
$212.41M
52 Week Low
$33.73
52 Week High
$71.00
P/E
12.14x
P/B
1.54x
P/S
3.22x
PEG
1.7x
Dividend Yield
1.95%
Revenue
$51.50M
Earnings
$17.46M
Gross Margin
100%
Operating Margin
41.46%
Profit Margin
33.9%
Debt to Equity
8.3
Operating Cash Flow
$23M
Beta
0.19
Next Earnings
Jul 24, 2026
Ex-Dividend
N/A
Next Dividend
Jun 26, 2026

FCAP Overview

First Capital, Inc. (FCAP) functions as the parent holding company for First Harrison Bank, delivering a comprehensive range of financial services to both individual consumers and corporate entities. The institution provides a diverse selection of deposit accounts, including standard checking (non-interest-bearing), interest-bearing checking (NOW accounts), money market accounts, conventional savings options, certificates of deposit, and specialized retirement savings programs. In its lending operations, First Capital extends various real estate mortgage offerings such as fixed-rate and adjustable-rate home loans, construction financing for both residential and commercial projects, and commercial property loans. It also supplies direct financing solutions for commercial businesses. Additionally, the company originates mortgage loans for subsequent sale in the secondary market and offers a variety of non-deposit investment opportunities. For individual borrowers, the bank provides a broad spectrum of secured and guaranteed consumer loans, covering everything from vehicle purchases (automobiles and trucks), home equity lines, and property improvement loans, to boat and mobile home financing, and loans collateralized by savings deposits. Unsecured personal loans are also available. Customers can access these products and services through a network of eighteen branches spread across Indiana and Kentucky. First Capital, Inc., established in 1891, has its corporate headquarters in Corydon, Indiana.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine FCAP's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
FCAP
Ranked
#102 of 283

Top Ranked Stocks in Industry

View Top Bank Stocks

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Overview

Due Diligence Score

Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how FCAP scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

FCAP ($63.49) is trading above its intrinsic value of $40.49, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
FCAP is good value based on its earnings relative to its share price (12.14x), compared to the US market average (14.3x)
P/E vs Market Valuation
FCAP is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more FCAP due diligence checks available for Premium users.

Valuation

FCAP fair value

Fair Value of FCAP stock based on Discounted Cash Flow (DCF)

Price
$63.49
Fair Value
$131.31
Undervalued by
51.65%
FCAP ($63.49) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FCAP price to earnings (PE)

For valuing profitable companies with steady earnings

Company
12.14x
Industry
13.92x
Market
14.3x
FCAP is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FCAP is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

FCAP price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.54x
Industry
1.27x
FCAP is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FCAP price to earnings growth (PEG)

For valuing profitable companies with growth potential

FCAP is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

FCAP's financial health

Profit margin

Revenue
$13.1M
Net Income
$4.3M
Profit Margin
33%
FCAP's Earnings (EBIT) of $21.35M... subscribe to Premium to read more.
Interest Coverage Financials
FCAP's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.3B
Liabilities
$1.1B
Debt to equity
8.3
FCAP's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
FCAP's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$6.3M
Investing
-$6.5M
Financing
$12.5M
FCAP's operating cash flow ($23.24M)... subscribe to Premium to read more.
Debt Coverage Financials

FCAP vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
FCAPC$212.41M-1.09%12.14x1.54x
OPBKC$208.52M-1.55%7.65x0.90x
CMTVC$216.88M-4.55%12.24x1.86x
CZWIC$201.27M-2.75%13.64x1.05x
FSBWC$223.89M-3.09%9.48x0.71x

First Capital Stock FAQ

What is First Capital's quote symbol?

(NASDAQ: FCAP) First Capital trades on the NASDAQ under the ticker symbol FCAP. First Capital stock quotes can also be displayed as NASDAQ: FCAP.

If you're new to stock investing, here's how to buy First Capital stock.

What is the 52 week high and low for First Capital (NASDAQ: FCAP)?

(NASDAQ: FCAP) First Capital's 52-week high was $71.00, and its 52-week low was $33.73. It is currently -10.58% from its 52-week high and 88.22% from its 52-week low.

How much is First Capital stock worth today?

(NASDAQ: FCAP) First Capital currently has 3,345,531 outstanding shares. With First Capital stock trading at $63.49 per share, the total value of First Capital stock (market capitalization) is $212.41M.

First Capital stock was originally listed at a price of $10.00 in Jan 4, 1999. If you had invested in First Capital stock at $10.00, your return over the last 27 years would have been 534.9%, for an annualized return of 7.09% (not including any dividends or dividend reinvestments).

How much is First Capital's stock price per share?

(NASDAQ: FCAP) First Capital stock price per share is $63.49 today (as of Jun 15, 2026).

What is First Capital's Market Cap?

(NASDAQ: FCAP) First Capital's market cap is $212.41M, as of Jun 16, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

First Capital's market cap is calculated by multiplying FCAP's current stock price of $63.49 by FCAP's total outstanding shares of 3,345,531.
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