1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
First Capital, Inc.

First Capital, Inc.

FCAP
First Capital, Inc.US flagNASDAQ
64.82
USD
+0.45
- -
216.86MMarket Cap
First Capital, Inc.
FCAP
(NASDAQ)

Recent

price

64.82

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.27
7.38
7.49
7.68
8.05
8.14
8.79
9.45
9.9
11.02
10.98
11.32
12
12.61
12.98
15.13
16.32
Revenue per Share
1.39
1.43
1.41
1.82
2.03
1.87
2.05
2.24
2.78
3.1
3.03
3.41
3.55
3.82
3.57
4.89
5.52
Basic EPS, GAAP
1.93
3.13
2.37
3.42
2.3
1.76
1.87
3.65
3.89
3.33
3.43
6.38
4.8
4.04
6.46
5.96
6.5
Free Cash Flow per Basic Share
0.75
0.76
0.76
0.8
0.84
0.88
0.84
0.87
0.93
0.96
0.97
1.05
1.05
1.09
1.13
1.21
1.25
Dividend per Share
17.18
18.29
18.97
19.12
20.84
22.28
22.69
24.25
25.59
29.38
32.77
33.75
25.26
31.41
34.19
41.23
42.6
Book Value per Share
15.22
16.34
17.03
17.18
18.88
19.92
20.37
21.98
23.37
27.22
30.66
31.67
23.23
29.41
32.23
39.3
40.67
Tangible Book Value per Share
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
Basic Weighted Avg Shares
20
21
21
21
22
23
29
31
33
37
37
38
40
42
43
51
55
Sales/Revenue/Turnover
26.88
- -
26.32
34.31
35.69
31.65
32.02
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Depreciation Expense
4
4
4
5
6
5
7
7
9
10
10
11
12
13
12
16
18
Net Income, GAAP
28.7
27.91
28.38
30.71
29.2
27.37
26.84
29.4
13.08
16.12
14.3
16.38
16.3
14.94
15.64
17.73
71.23
Effective Tax Rate (%)
19.1
19.32
18.79
23.71
25.21
22.93
23.38
23.68
28.07
28.12
27.63
30.16
29.55
30.29
27.48
32.34
33.84
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
16
12
5
6
- -
- -
- -
10
- -
- -
- -
- -
- -
22
- -
- -
- -
LT Debt
48
51
53
53
57
75
76
81
86
99
111
114
85
105
115
138
143
Total Equity
5.41
- -
5.44
7.25
8.94
7.91
9.15
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.24
8.04
7.56
9.57
10.14
7.9
9.14
9.5
11.1
11.18
9.67
10.18
11.96
13.44
10.86
12.97
13.89
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
198
166
216

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
392
410
404
Accounts Receivable, Net
5
5
5
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
2
2
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.21%
6.07%
20.22%
Free Cash Flow
21.52%
19.54%
-7.84%
Net Income, GAAP
12.93%
10.97%
37.08%
Sales/Revenue/Turnover
8.65%
6.77%
16.5%
Total Cash Common Dividend
5.2%
4.43%
7.09%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10
11
11
11
43
2025
11
12
13
13
51
2026
13
14
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.88
0.85
0.87
0.97
3.57
2025
0.97
1.13
1.34
1.46
4.89
2026
1.3
1.43
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.27
0.27
0.29
0.29
1.13
2025
0.29
0.29
0.31
0.31
1.21
2026
0.31
0.31
- -
- -
- -
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Business
First Capital, Inc. operates as the bank holding company for First Harrison Bank, a federally chartered savings bank headquartered in Corydon, Indiana. Founded in 1891, it provides a comprehensive range of banking services primarily to individual and business customers in Indiana and Kentucky, United States. The company offers 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. Its lending products encompass residential mortgage loans, residential construction loans, commercial real estate and business loans, multi-family residential loans, and consumer loans. Consumer loan offerings include secured or guaranteed loans such as automobile, truck, home equity, home improvement, boat, and mobile home loans, as well as unsecured consumer loans and loans secured by savings deposits. Additionally, First Capital invests in mortgage-backed securities and collateralized mortgage obligations. Recent company developments include strong financial performance with asset growth to $1.21 billion and a boost in net interest income due to an increased average yield on interest-earning assets. Deposits have also increased notably in the latest fiscal periods. The company reported record quarterly earnings as of September 2025, reflecting operational improvements and an expanding portfolio of interest-earning assets. First Capital, Inc. continues to focus on enhancing its banking services and supporting local markets through its subsidiary First Harrison Bank. Separately, there is no indication that First Capital, Inc. (ticker: FCAP) is connected to other entities sharing similar names, such as New Zealand-based First Capital Financial Services, which was acquired by Arthur J. Gallagher & Co. in April 2025 and operates in the financial advisory sector. First Capital, Inc. remains focused on its core banking activities within the United States financial services industry. The company is listed on NASDAQ under the ticker FCAP and maintains a regional banking focus, serving retail and commercial clients with an emphasis on mortgage and consumer lending products supported by diverse deposit offerings. It employs approximately 212 people and continues to adapt to prevailing market conditions, focusing on asset growth and credit quality enhancements. This description comprehensively covers First Capital, Inc.'s business operations, principal products and services, geographic focus, and the latest significant financial and operational developments.

Company News

Company News APIChatGPT

  • globenewswire.com

    First Capital, Inc. Announces Quarterly Dividend

  • defenseworld.net

    First Capital (NASDAQ:FCAP) Stock Price Crosses Above 200 Day Moving Average – What’s Next?

  • globenewswire.com

    First Capital, Inc. Announces Quarterly Dividend

  • globenewswire.com

    First Capital, Inc. Reports Quarterly Earnings

  • defenseworld.net

    First Capital, Inc. (NASDAQ:FCAP) Sees Significant Decline in Short Interest

  • defenseworld.net

    First Capital (NASDAQ:FCAP) Shares Pass Below 200-Day Moving Average – Here’s What Happened

  • globenewswire.com

    First Capital, Inc. Announces Date of Annual Meeting

  • globenewswire.com

    First Capital, Inc. Announces Quarterly Dividend

  • defenseworld.net

    Financial Analysis: First Capital (NASDAQ:FCAP) vs. LifeStore Financial Group (OTCMKTS:LSFG)

  • globenewswire.com

    First Capital, Inc. Reports Record Annual and Quarterly Earnings

  • defenseworld.net

    Contrasting First Capital (NASDAQ:FCAP) and Suruga Bank (OTCMKTS:SUGBY)

  • globenewswire.com

    First Capital, Inc. Reports Record Quarterly Earnings

  • globenewswire.com

    First Capital, Inc. Adds Flexibility to Its Stock Repurchase Program

  • globenewswire.com

    First Capital, Inc. Announces Quarterly Dividend Increase

  • fool.com

    First Capital EPS Jumps 33% in Q2

  • globenewswire.com

    First Capital, Inc. Reports Quarterly Earnings

  • globenewswire.com

    First Capital, Inc. Announces Quarterly Dividend

  • globenewswire.com

    First Capital, Inc. Reports Quarterly Earnings

  • youtube.com

    Regional bank reporting will be better reflection of economic uncertainty: RBC's Gerard Cassidy

  • globenewswire.com

    First Capital, Inc. Announces Date of Annual Meeting