FIRST CAPITAL INC (FCAP)
US31942S1042 - Common Stock
Overall FCAP gets a fundamental rating of 4 out of 10. We evaluated FCAP against 411 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 is valued correctly, but it does not seem to be growing. Finally FCAP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
FCAP had positive earnings in the past year.
FCAP had a positive operating cash flow in the past year.
Each year in the past 5 years FCAP has been profitable.
Each year in the past 5 years FCAP had a positive operating cash flow.
1.2 Ratios
The Return On Assets of FCAP (1.11%) is better than 71.53% of its industry peers.
The Return On Equity of FCAP (12.16%) is better than 79.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 12.16% | ||
| ROIC | N/A |
ROA(3y)1.04%
ROA(5y)1.07%
ROE(3y)12.05%
ROE(5y)11.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FCAP's Profit Margin of 30.32% is fine compared to the rest of the industry. FCAP outperforms 76.64% of its industry peers.
FCAP's Profit Margin has improved in the last couple of years.
FCAP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.32% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.14%
PM growth 5Y1.84%
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 has been reduced compared to 1 year ago.
The number of shares outstanding for FCAP has been reduced compared to 5 years ago.
FCAP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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
WACC14.79%
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 8.18%, which is quite good.
Measured over the past 5 years, FCAP shows a small growth in Earnings Per Share. The EPS has been growing by 6.64% on average per year.
The Revenue has been growing slightly by 4.81% in the past year.
FCAP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.77% yearly.
EPS 1Y (TTM)8.18%
EPS 3Y8.16%
EPS 5Y6.64%
EPS growth Q2Q-11.48%
Revenue 1Y (TTM)4.81%
Revenue growth 3Y4.79%
Revenue growth 5Y4.77%
Revenue growth Q2Q-6.07%
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
A Price/Earnings ratio of 7.50 indicates a rather cheap valuation of FCAP.
FCAP's Price/Earnings ratio is rather cheap when compared to the industry. FCAP is cheaper than 82.73% of the companies in the same industry.
When comparing the Price/Earnings ratio of FCAP to the average of the S&P500 Index (24.92), we can say FCAP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.5 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FCAP is valued a bit cheaper than 69.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.13
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FCAP has a Yearly Dividend Yield of 3.86%. Purely for dividend investing, there may be better candidates out there.
FCAP's Dividend Yield is comparable with the industry average which is at 3.82.
Compared to an average S&P500 Dividend Yield of 2.41, FCAP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
5.2 History
The dividend of FCAP has a limited annual growth rate of 3.07%.
FCAP has paid a dividend for at least 10 years, which is a reliable track record.
FCAP has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.07%
Div Incr Years1
Div Non Decr Years19
5.3 Sustainability
FCAP pays out 28.39% of its income as dividend. This is a sustainable payout ratio.
FCAP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP28.39%
EPS Next 2YN/A
EPS Next 3YN/A
FIRST CAPITAL INC
NASDAQ:FCAP (4/26/2024, 7:00:02 PM)
28.72
+0.72 (+2.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap96.21M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.5 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 12.16% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 30.32% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)8.18%
EPS 3Y8.16%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)4.81%
Revenue growth 3Y4.79%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y