FIRST CAPITAL INC (FCAP) Fundamental Analysis & Valuation

NASDAQ:FCAP • US31942S1042

47.05 USD
-0.85 (-1.77%)
Last: Mar 12, 2026, 08:00 PM
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This FCAP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Taking everything into account, FCAP scores 4 out of 10 in our fundamental rating. FCAP was compared to 381 industry peers in the Banks industry. FCAP has an average financial health and profitability rating. FCAP has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. FCAP Profitability Analysis

1.1 Basic Checks

  • In the past year FCAP was profitable.
  • In the past year FCAP had a positive cash flow from operations.
  • In the past 5 years FCAP has always been profitable.
  • Of the past 5 years FCAP 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

1.2 Ratios

  • FCAP has a Return On Assets of 1.19%. This is in the better half of the industry: FCAP outperforms 75.59% of its industry peers.
  • With a decent Return On Equity value of 11.14%, FCAP is doing good in the industry, outperforming 73.49% of the companies in the same industry.
Industry RankSector Rank
ROA 1.19%
ROE 11.14%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FCAP Yearly ROA, ROE, ROICFCAP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 30.43%, FCAP is doing good in the industry, outperforming 78.48% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FCAP has grown nicely.
  • The Operating Margin and Gross Margin are not available for FCAP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.43%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.06%
PM growth 5Y3.21%
GM growth 3YN/A
GM growth 5YN/A
FCAP Yearly Profit, Operating, Gross MarginsFCAP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. FCAP Health Analysis

2.1 Basic Checks

  • FCAP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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 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 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
WACC15.31%
FCAP Yearly LT Debt VS Equity VS FCFFCAP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M

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3

3. FCAP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 36.99% over the past year.
  • The Earnings Per Share has been growing by 10.11% on average over the past years. This is quite good.
  • Looking at the last year, FCAP shows a quite strong growth in Revenue. The Revenue has grown by 16.50% in the last year.
  • Measured over the past years, FCAP shows a small growth in Revenue. The Revenue has been growing by 6.65% on average per year.
EPS 1Y (TTM)36.99%
EPS 3Y11.25%
EPS 5Y10.11%
EPS Q2Q%50.46%
Revenue 1Y (TTM)16.5%
Revenue growth 3Y7.91%
Revenue growth 5Y6.65%
Sales Q2Q%18.97%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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3

4. FCAP Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.62, the valuation of FCAP can be described as reasonable.
  • Based on the Price/Earnings ratio, FCAP is valued a bit cheaper than 77.95% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, FCAP is valued rather cheaply.
Industry RankSector Rank
PE 9.62
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

  • Based on the Price/Free Cash Flow ratio, FCAP is valued a bit cheaper than the industry average as 78.22% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.12
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)0.95
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. FCAP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.45%, FCAP has a reasonable but not impressive dividend return.
  • In the last 3 months the price of FCAP has falen by -27.94%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.86, FCAP is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, FCAP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.45%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • FCAP pays out 26.89% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of FCAP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP26.89%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
FCAP Dividend Payout.FCAP Dividend Payout, showing the Payout Ratio.FCAP Dividend Payout.PayoutRetained Earnings

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FCAP Fundamentals: All Metrics, Ratios and Statistics

FIRST CAPITAL INC

NASDAQ:FCAP (3/12/2026, 8:00:02 PM)

47.05

-0.85 (-1.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners26.89%
Inst Owner Change12.81%
Ins Owners3.56%
Ins Owner Change0.45%
Market Cap157.62M
Revenue(TTM)50.62M
Net Income(TTM)14.75M
Analysts0
Price TargetN/A
Short Float %1.93%
Short Ratio5.81
Dividend
Industry RankSector Rank
Dividend Yield 2.45%
Yearly Dividend1.12
Dividend Growth(5Y)3.56%
DP26.89%
Div Incr Years2
Div Non Decr Years25
Ex-Date03-13
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 9.62
Fwd PE N/A
P/S 3.25
P/FCF 8.12
P/OCF 7.73
P/B 1.19
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)4.89
EY10.39%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.8
FCFY12.32%
OCF(TTM)6.09
OCFY12.94%
SpS14.47
BVpS39.53
TBVpS37.6
PEG (NY)N/A
PEG (5Y)0.95
Graham Number65.95
Profitability
Industry RankSector Rank
ROA 1.19%
ROE 11.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.43%
GM N/A
FCFM 40.06%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y3.06%
PM growth 5Y3.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 87.75%
Cap/Sales 2.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 131.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.31%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)36.99%
EPS 3Y11.25%
EPS 5Y10.11%
EPS Q2Q%50.46%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.5%
Revenue growth 3Y7.91%
Revenue growth 5Y6.65%
Sales Q2Q%18.97%
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 1Y5.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y7.62%
OCF growth 3YN/A
OCF growth 5YN/A

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 of FIRST CAPITAL INC (FCAP) stock?

ChartMill assigns a valuation rating of 3 / 10 to FIRST CAPITAL INC (FCAP). This can be considered as Overvalued.


What is the profitability of FCAP stock?

FIRST CAPITAL INC (FCAP) has a profitability rating of 4 / 10.


Can you provide the financial health for FCAP stock?

The financial health rating of FIRST CAPITAL INC (FCAP) is 4 / 10.