Stock Scorecard
Stock Summary for First Capital Inc (FCAP) - $54.20 as of 2/6/2026 10:43:51 PM EST
Total Score
20 out of 30
Safety Score
55 out of 100
Currently on the following lists
Growth Stock List
Tim's Recommendation
Buy
Growth List Algorithm Criteria for FCAP
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for FCAP
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for FCAP
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for FCAP
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for FCAP (55 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for FCAP
Financial Details for FCAP
Company Overview |
|
|---|---|
| Ticker | FCAP |
| Company Name | First Capital Inc |
| Country | USA |
| Description | First Capital, Inc. is a leading financial services holding company headquartered in Corydon, Indiana, primarily engaged in banking through its subsidiary, First Harrison Bank. The company provides a wide range of financial products and services tailored to meet the needs of individual and business customers, playing a vital role in fostering regional economic development. With a commitment to exceptional customer service and a dynamic business strategy, First Capital is well-positioned to navigate the evolving financial landscape, driving consistent growth and long-term profitability. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 4/24/2026 |
Stock Price History |
|
| Last Day Price | 54.20 |
| Price 4 Years Ago | 22.47 |
| Last Day Price Updated | 2/6/2026 10:43:51 PM EST |
| Last Day Volume | 13,677 |
| Average Daily Volume | 7,335 |
| 52-Week High | 71.00 |
| 52-Week Low | 32.68 |
| Last Price to 52 Week Low | 65.85% |
Valuation Measures |
|
| Trailing PE | 10.22 |
| Industry PE | 24.23 |
| Sector PE | 24.08 |
| 5-Year Average PE | 9.92 |
| Free Cash Flow Ratio | 1.74 |
| Industry Free Cash Flow Ratio | 10.47 |
| Sector Free Cash Flow Ratio | 34.29 |
| Current Ratio Most Recent Quarter | 0.48 |
| Total Cash Per Share | 31.11 |
| Book Value Per Share Most Recent Quarter | 39.55 |
| Price to Book Ratio | 1.37 |
| Industry Price to Book Ratio | 1.23 |
| Sector Price to Book Ratio | 2.03 |
| Price to Sales Ratio Twelve Trailing Months | 3.88 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.52 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.01 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 3,355,100 |
| Market Capitalization | 181,846,420 |
| Institutional Ownership | 23.68% |
Dividends |
|
| Ex-Dividend Date | 9/12/2025 |
| Previous Dividend Amount | 0.3100 |
| Current Dividend Amount | 0.3100 |
| Total Years Dividend Increasing | 3 |
| Trailing Annual Dividend Rate | 1.20 |
| Trailing Annual Dividend Yield | 2.04% |
| Forward Annual Dividend Rate | 1.24 |
| Forward Annual Dividend Yield | 2.10% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 7.14% |
| 3-Year Dividend Growth Rate Percentage | 5.41% |
| 5-Year Dividend Growth Rate Percentage | 3.64% |
| All-Time Dividend Growth Rate Percentage | 5.24% |
| Dividend Payout Ratio | 27.21% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 54.50% |
| Annual Earnings Growth | 37.08% |
| Reported EPS 12 Trailing Months | 4.41 |
| Reported EPS Past Year | 3.43 |
| Reported EPS Prior Year | 3.57 |
| Net Income Twelve Trailing Months | 16,367,000 |
| Net Income Past Year | 16,367,000 |
| Net Income Prior Year | 11,940,000 |
| Quarterly Revenue Growth YOY | 25.30% |
| 5-Year Revenue Growth | 11.30% |
| Operating Margin Twelve Trailing Months | 42.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 104,385,000 |
| Total Cash Past Year | 26,592,000 |
| Total Cash Prior Year | 26,592,000 |
| Net Cash Position Most Recent Quarter | 70,760,000 |
| Net Cash Position Past Year | 5,092,000 |
| Long Term Debt Past Year | 21,500,000 |
| Long Term Debt Prior Year | 21,500,000 |
| Total Debt Most Recent Quarter | 33,625,000 |
| Equity to Debt Ratio Past Year | 0.84 |
| Equity to Debt Ratio Most Recent Quarter | 0.91 |
| Total Stockholder Equity Past Year | 114,599,000 |
| Total Stockholder Equity Prior Year | 114,599,000 |
| Total Stockholder Equity Most Recent Quarter | 338,897,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 18,815,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 5.61 |
| Free Cash Flow Past Year | 21,628,000 |
| Free Cash Flow Prior Year | 13,536,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 1.36 |
| MACD Signal | 0.17 |
| 20-Day Bollinger Lower Band | 35.52 |
| 20-Day Bollinger Middle Band | 50.58 |
| 20-Day Bollinger Upper Band | 65.63 |
| Beta | 0.67 |
| RSI | 54.18 |
| 50-Day SMA | 33.56 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 31.47 |
System |
|
| Modified | 2/6/2026 10:44:38 PM EST |