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5.24%
First capital, inc.
0.23%
Avg of Sector
-0.49%
S&P500
First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers. The company offers 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 provides real estate mortgage loans, such as fixed-rate and adjustable rate mortgage residential loans, construction loans for residential and commercial properties, and commercial real estate loans, as well as commercial business loans. In addition, the company originates mortgage loans for sale in the secondary market and sells non-deposit investment products; and offers various secured or guaranteed consumer loans comprising automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans, and loans secured by savings deposits, as well as unsecured consumer loans. It provides its products and services through 18 locations in Indiana and Kentucky. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for First capital, inc. (FCAP) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FCAP's short-term business performance and financial health. For the latest updates on FCAP's earnings releases, visit this page regularly.
According to historical valuation range analysis, First capital, inc. (FCAP)'s current price-to-earnings (P/E) ratio is 9.56, placing it in the Reasonable zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, First capital, inc. (FCAP) reported an Operating Profit of 5.36M with an Operating Margin of 31.6% this period, representing a growth of 37.16% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, First capital, inc. (FCAP) announced revenue of 16.97M, with a Year-Over-Year growth rate of 53.02%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, First capital, inc. (FCAP) held Total Cash and Cash Equivalents of 138.76M, accounting for 0.11 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, First capital, inc. (FCAP) achieved the “three margins increasing” benchmark, with a gross margin of 77.28%%, operating margin of 31.6%%, and net margin of 25.51%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FCAP's profit trajectory and future growth potential.
According to the past four quarterly reports, First capital, inc. (FCAP)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.3. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
First capital, inc. (FCAP)'s Free Cash Flow (FCF) for the period is 4.53M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 20.97% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows First capital, inc. (FCAP) has a Price-To-Earnings (PE) ratio of 9.56 and a Price/Earnings-To-Growth (PEG) ratio of -0.87. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.