FIRST CAPITAL INC (FCAP) Stock Fundamental Analysis
USA - NASDAQ:FCAP - US31942S1042 - Common Stock
45.07 USD
+0.41 (+0.92%)
FCAP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and the financial health of FCAP get a neutral evaluation. Nothing too spectacular is happening here. FCAP has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year FCAP was profitable.
FCAP had a positive operating cash flow in the past year.
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.
1.2 Ratios
The Return On Assets of FCAP (1.06%) is better than 70.88% of its industry peers.
FCAP's Return On Equity of 10.69% is fine compared to the rest of the industry. FCAP outperforms 72.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.69% | ||
| 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
1.3 Margins
FCAP has a better Profit Margin (28.55%) than 75.77% of its industry peers.
In the last couple of years the Profit Margin of FCAP has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for FCAP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.55% | ||
| 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
2. Health
2.1 Basic Checks
FCAP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FCAP remains at a similar level compared to 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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FCAP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.97%, which is quite impressive.
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.
FCAP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.08%.
FCAP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.25% yearly.
EPS 1Y (TTM)24.97%
EPS 3Y1.52%
EPS 5Y2.92%
EPS Q2Q%54.02%
Revenue 1Y (TTM)14.08%
Revenue growth 3Y4.68%
Revenue growth 5Y3.25%
Sales Q2Q%21.32%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.22, the valuation of FCAP can be described as reasonable.
Based on the Price/Earnings ratio, FCAP is valued a bit cheaper than 71.39% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.34, FCAP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.22 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FCAP is valued cheaper than 81.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.5
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.80%, FCAP has a reasonable but not impressive dividend return.
FCAP's Dividend Yield is comparable with the industry average which is at 3.38.
Compared to an average S&P500 Dividend Yield of 2.36, FCAP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.8% |
5.2 History
The dividend of FCAP has a limited annual growth rate of 3.56%.
FCAP has been paying a dividend for at least 10 years, so it has a reliable track record.
FCAP has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.56%
Div Incr Years2
Div Non Decr Years25
5.3 Sustainability
FCAP pays out 29.67% of its income as dividend. This is a sustainable payout ratio.
FCAP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP29.67%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:FCAP (11/13/2025, 4:30:02 PM)
45.07
+0.41 (+0.92%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners23.35%
Inst Owner Change-1.97%
Ins Owners3.55%
Ins Owner Change1.29%
Market Cap151.44M
Revenue(TTM)48.46M
Net Income(TTM)13.17M
Analysts0
Price TargetN/A
Short Float %1.31%
Short Ratio9.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.8% |
Yearly Dividend1.12
Dividend Growth(5Y)3.56%
DP29.67%
Div Incr Years2
Div Non Decr Years25
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.22 | ||
| Fwd PE | N/A | ||
| P/S | 3.28 | ||
| P/FCF | 8.16 | ||
| P/OCF | 7.78 | ||
| P/B | 1.23 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.41
EY9.78%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.52
FCFY12.26%
OCF(TTM)5.79
OCFY12.85%
SpS13.73
BVpS36.67
TBVpS34.74
PEG (NY)N/A
PEG (5Y)3.5
Graham Number60.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.69% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.55% | ||
| GM | N/A | ||
| FCFM | 40.24% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 80.14% | ||
| Cap/Sales | 1.94% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 140.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.44%
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)24.97%
EPS 3Y1.52%
EPS 5Y2.92%
EPS Q2Q%54.02%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.08%
Revenue growth 3Y4.68%
Revenue growth 5Y3.25%
Sales Q2Q%21.32%
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 1Y12.01%
FCF growth 3Y0.45%
FCF growth 5Y14.25%
OCF growth 1Y13.84%
OCF growth 3Y1.09%
OCF growth 5Y9.68%
FIRST CAPITAL INC / FCAP FAQ
Can you provide the ChartMill fundamental rating for FIRST CAPITAL INC?
ChartMill assigns a fundamental rating of 4 / 10 to FCAP.
What is the valuation status for FCAP stock?
ChartMill assigns a valuation rating of 4 / 10 to FIRST CAPITAL INC (FCAP). This can be considered as Fairly Valued.
What is the profitability of FCAP stock?
FIRST CAPITAL INC (FCAP) has a profitability rating of 4 / 10.
What are the PE and PB ratios of FIRST CAPITAL INC (FCAP) stock?
The Price/Earnings (PE) ratio for FIRST CAPITAL INC (FCAP) is 10.22 and the Price/Book (PB) ratio is 1.23.