First Capital (FCAP) Stock Price, News & Analysis

Company Overview

First Capital, Inc. (NASDAQ: FCAP) is a real estate investment company specializing in single-family rental homes across the Sun Belt region of the United States. The firm focuses on acquiring, renovating and leasing suburban homes to individual tenants and families. By leveraging a vertically integrated operational platform, the company manages end-to-end property life cycles, including maintenance, tenant placement and ongoing asset oversight. In addition to its core rental portfolio, First Capital offers third-party property management services to institutional and private investors through its wholly-owned subsidiary.

Founded in 2005, First Capital began as a small regional landlord in Jacksonville, Florida, before expanding into key growth markets across the Southeast, Texas and Arizona. Over time, the company has scaled its portfolio through strategic acquisitions and targeted organic growth, focusing on markets with strong job creation and housing demand. This geographic diversification allows First Capital to mitigate local market volatility while capitalizing on favorable demographic trends driving single-family rental demand.

First Capital’s property management operations deliver a comprehensive suite of services, including leasing, rent collection, maintenance coordination and financial reporting. This integrated approach enables the firm to maintain high occupancy rates and control costs, driving consistent cash flow generation. The company also utilizes data analytics and proprietary market research to identify acquisition opportunities and optimize pricing and marketing strategies for its rental homes, ensuring competitive positioning in each market.

Governance at First Capital is overseen by an experienced board of directors led by the company’s founder, with a leadership team boasting decades of combined expertise in real estate finance, operations and development. This management group emphasizes disciplined underwriting, operational efficiency and tenant satisfaction as key pillars of its growth strategy. As single-family rentals continue to attract institutional capital, First Capital is positioned to leverage its operational capabilities and industry relationships to pursue new investments and expand its footprint in high-growth housing markets.

Key Stats

• Today's Range: $43.07 to $44.10
• 50-Day Range: $39.60 to $51.67
• 52-Week Range: $28.50 to $53.85
• Volume: 3,817 shs
• Average Volume: 7,191 shs
• Market Capitalization: $145.89 million
• P/E Ratio: 11.86
• Dividend Yield: 2.67%
• Price Target: N/A
• Consensus Rating: N/A

First Capital Stock Analysis - MarketRank™

First Capital scored higher than 21% of companies evaluated by MarketBeat, and ranked 916th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for First Capital.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of First Capital is 11.86, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.15.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Capital is 11.86, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.92.

Price to Book Value per Share Ratio

First Capital has a P/B Ratio of 1.27. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.76% of the float of First Capital has been sold short.

Short Interest Ratio / Days to Cover

First Capital has a short interest ratio ("days to cover") of 5.

Change versus previous month

Short interest in First Capital has recently increased by 254.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

First Capital pays a meaningful dividend of 2.65%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Capital has only been increasing its dividend for 2 years.

Dividend Coverage

The dividend payout ratio of First Capital is 31.69%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.76% of the float of First Capital has been sold short.

Short Interest Ratio / Days to Cover

First Capital has a short interest ratio ("days to cover") of 5.

Change versus previous month

Short interest in First Capital has recently increased by 254.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

First Capital has a news sentiment score of 1.87. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for First Capital this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Capital insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 4.01% of the stock of First Capital is held by insiders.

Percentage Held by Institutions

Only 11.65% of the stock of First Capital is held by institutions.

FCAP Stock Analysis - Frequently Asked Questions

How have FCAP shares performed this year?

First Capital's stock was trading at $32.25 on January 1st, 2025. Since then, FCAP shares have increased by 34.6% and is now trading at $43.42.

How were First Capital's earnings last quarter?

First Capital, Inc. (NASDAQ:FCAP) released its quarterly earnings data on Friday, April, 25th. The savings and loans company reported $0.97 earnings per share for the quarter. The savings and loans company earned $11.43 million during the quarter. First Capital had a trailing twelve-month return on equity of 10.64% and a net margin of 20.51%.

Who are First Capital's major shareholders?

Top institutional shareholders of First Capital include Farther Finance Advisors LLC (0.03%). Insiders that own company stock include Mark D Shireman, William W Harrod, John Shireman, Jill Saegesser, Joshua Paul Stevens and Chris Frederick.
View institutional ownership trends.

How do I buy shares of First Capital?

Shares of FCAP stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Capital own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Capital investors own include Huntington Bancshares (HBAN), NVIDIA (NVDA), Adobe (ADBE), Gilead Sciences (GILD), GSK (GSK), Methanex (MEOH) and M&T Bank (MTB).

Company Calendar

• Last Earnings: 4/25/2025
• Record date for 6/27 Dividend: 6/13/2025
• Ex-Dividend for 6/27 Dividend: 6/13/2025
• Dividend Payable: 6/27/2025
• Today: 7/11/2025
• Next Earnings (Estimated): 7/25/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FCAP
• CIK: 1070296
• Web: www.firstharrison.com
• Phone: (812) 738-2198
• Fax: 812-738-2202
• Employees: 220
• Year Founded: 1891

Profitability

• EPS (Trailing Twelve Months): $3.66
• Trailing P/E Ratio: 11.78
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $11.94 million
• Net Margins: 20.51%
• Pretax Margin: 24.53%
• Return on Equity: 10.64%
• Return on Assets: 1.03%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.70
• Quick Ratio: 0.70

Sales & Book Value

• Annual Sales: $44.38 million
• Price / Sales: 3.27
• Cash Flow: $4.82 per share
• Price / Cash Flow: 8.98
• Book Value: $34.22 per share
• Price / Book: 1.26

Miscellaneous

• Outstanding Shares: 3,355,000
• Free Float: 3,220,000
• Market Cap: $145.15 million
• Optionable: Not Optionable
• Beta: 0.62