Logo image of FCAP

FIRST CAPITAL INC (FCAP) Stock Fundamental Analysis

NASDAQ:FCAP - US31942S1042 - Common Stock

43.32 USD
-0.15 (-0.35%)
Last: 9/5/2025, 8:11:25 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FCAP. FCAP was compared to 395 industry peers in the Banks industry. FCAP has only an average score on both its financial health and profitability. FCAP is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

FCAP had positive earnings in the past year.
In the past year FCAP had a positive cash flow from operations.
Each year in the past 5 years FCAP has been profitable.
In the past 5 years FCAP always reported a positive cash flow from operatings.
FCAP Yearly Net Income VS EBIT VS OCF VS FCFFCAP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

With a decent Return On Assets value of 1.01%, FCAP is doing good in the industry, outperforming 64.65% of the companies in the same industry.
The Return On Equity of FCAP (10.18%) is better than 67.93% of its industry peers.
Industry RankSector Rank
ROA 1.01%
ROE 10.18%
ROIC N/A
ROA(3y)1.05%
ROA(5y)1.03%
ROE(3y)12.18%
ROE(5y)11.15%
ROIC(3y)N/A
ROIC(5y)N/A
FCAP Yearly ROA, ROE, ROICFCAP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FCAP's Profit Margin of 27.55% is fine compared to the rest of the industry. FCAP outperforms 72.22% of its industry peers.
In the last couple of years the Profit Margin of FCAP has remained more or less at the same level.
FCAP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.55%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.04%
PM growth 5Y-0.3%
GM growth 3YN/A
GM growth 5YN/A
FCAP Yearly Profit, Operating, Gross MarginsFCAP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

4

2. Health

2.1 Basic Checks

FCAP does not have a ROIC to compare to the WACC, probably because it is not profitable.
FCAP has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, FCAP has less shares outstanding
There is no outstanding debt for FCAP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FCAP Yearly Shares OutstandingFCAP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M
FCAP Yearly Total Debt VS Total AssetsFCAP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

There is no outstanding debt for FCAP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC15.71%
FCAP Yearly LT Debt VS Equity VS FCFFCAP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FCAP Yearly Current Assets VS Current LiabilitesFCAP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M

More info and screens

3

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.28% over the past year.
Measured over the past 5 years, FCAP shows a small growth in Earnings Per Share. The EPS has been growing by 2.92% on average per year.
The Revenue has grown by 9.70% in the past year. This is quite good.
The Revenue has been growing slightly by 3.25% on average over the past years.
EPS 1Y (TTM)9.28%
EPS 3Y1.52%
EPS 5Y2.92%
EPS Q2Q%32.56%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y4.68%
Revenue growth 5Y3.25%
Sales Q2Q%16.39%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FCAP Yearly Revenue VS EstimatesFCAP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.02, which indicates a very decent valuation of FCAP.
Compared to the rest of the industry, the Price/Earnings ratio of FCAP indicates a somewhat cheap valuation: FCAP is cheaper than 72.22% of the companies listed in the same industry.
FCAP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.06.
Industry RankSector Rank
PE 11.02
Fwd PE N/A
FCAP Price Earnings VS Forward Price EarningsFCAP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

FCAP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FCAP is cheaper than 84.60% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.77
EV/EBITDA N/A
FCAP Per share dataFCAP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.77
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.85%, FCAP has a reasonable but not impressive dividend return.
FCAP's Dividend Yield is comparable with the industry average which is at 3.49.
FCAP's Dividend Yield is comparable with the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 2.85%

5.2 History

The dividend of FCAP has a limited annual growth rate of 3.56%.
FCAP has paid a dividend for at least 10 years, which is a reliable track record.
FCAP has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.56%
Div Incr Years2
Div Non Decr Years25
FCAP Yearly Dividends per shareFCAP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

FCAP pays out 31.35% of its income as dividend. This is a sustainable payout ratio.
The dividend of FCAP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.35%
EPS Next 2YN/A
EPS Next 3YN/A
FCAP Yearly Income VS Free CF VS DividendFCAP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
FCAP Dividend Payout.FCAP Dividend Payout, showing the Payout Ratio.FCAP Dividend Payout.PayoutRetained Earnings

More info and screens

FIRST CAPITAL INC

NASDAQ:FCAP (9/5/2025, 8:11:25 PM)

43.32

-0.15 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-25 2025-07-25/amc
Earnings (Next)10-23 2025-10-23
Inst Owners16.85%
Inst Owner Change38.3%
Ins Owners3.51%
Ins Owner Change1.44%
Market Cap145.56M
Analysts0
Price TargetN/A
Short Float %1.87%
Short Ratio3.79
Dividend
Industry RankSector Rank
Dividend Yield 2.85%
Yearly Dividend1.12
Dividend Growth(5Y)3.56%
DP31.35%
Div Incr Years2
Div Non Decr Years25
Ex-Date09-12 2025-09-12 (0.31)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.02
Fwd PE N/A
P/S 3.28
P/FCF 7.77
P/OCF 7.46
P/B 1.21
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)3.93
EY9.07%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.58
FCFY12.87%
OCF(TTM)5.81
OCFY13.41%
SpS13.21
BVpS35.74
TBVpS33.8
PEG (NY)N/A
PEG (5Y)3.77
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 10.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.55%
GM N/A
FCFM 42.22%
ROA(3y)1.05%
ROA(5y)1.03%
ROE(3y)12.18%
ROE(5y)11.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.04%
PM growth 5Y-0.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 70.13%
Cap/Sales 1.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 153.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.71%
ROIC/WACCN/A
Cap/Depr(3y)55.2%
Cap/Depr(5y)48.21%
Cap/Sales(3y)1.39%
Cap/Sales(5y)1.32%
Profit Quality(3y)140.78%
Profit Quality(5y)144.47%
High Growth Momentum
Growth
EPS 1Y (TTM)9.28%
EPS 3Y1.52%
EPS 5Y2.92%
EPS Q2Q%32.56%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.7%
Revenue growth 3Y4.68%
Revenue growth 5Y3.25%
Sales Q2Q%16.39%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4.14%
FCF growth 3Y0.45%
FCF growth 5Y14.25%
OCF growth 1Y5.58%
OCF growth 3Y1.09%
OCF growth 5Y9.68%