FCAP logo

FIRST CAPITAL INC

FCAPNASDAQ
πŸ† #3710 by market capEarnings Oct 23US Equity
$61.68β–² $1.07 (+1.73%)
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24hβ–² 1.7%
7dβ–Ό 0.3%
14dβ–² 1.7%
30dβ–Ό 0.5%
ytdβ–² 1.0%
1yβ–² 34.1%
🏦Market Cap
$206M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+12.4%
Healthy
πŸ“ŠGross Margin
77.3%
High
πŸ’΅FCF Margin
34.2%
Strong
βš–οΈP/S Ratio
2.9x
Cheap
Otter Score
84
Good

Trading Snapshot

Day Range
$61.07 – $62.67
52-Week Range
$37.64 – $71.00
Volume
$3.90B
Avg Volume
$2.80B
Shares Outstanding
3.3M
Next Earnings
Nov 21, 2026

Fundamentals Snapshot

Annual Revenue
$65M
Last Q Revenue
$18M
P/E Ratio
11.0
P/S Ratio
2.9x
EPS (TTM)
$5.53
Dividend Yield
2.06%
Dilution (1yr)
βˆ’0.1%

Why Investors Own FCAP

  • βœ“High-growth profile β€” revenue up +51.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 62% gross margin and 20% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FCAP logo

FIRST CAPITAL INC

FCAP
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$65Mβ–² +12.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
75.7%β–² +4.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$20Mβ–² +40.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$20Mβ–Ό βˆ’7.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
3.3Mβ–Ό βˆ’0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$139Mβ–² +$30M YoY
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About FIRST CAPITAL INC

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company provides various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also offers residential mortgage loans; construction loans for residential and commercial properties; and commercial real estate and business loans. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it provides various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; unsecured consumer loans; and loans secured by savings deposits. Additionally, the company invests in mortgage-backed securities and collateralized mortgage obligations. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
84/100

Analyst Price Target

β“˜
Average Target
$59.42
β–Ό βˆ’3.7% Downside
High Target$68.56
Low Target$47.51
Based on 23 analysts

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