First Capital (FCAP) Stock Price, News & Analysis

Company Overview

First Capital, Inc. (NASDAQ: FCAP) is a bank holding company headquartered in Corydon, Indiana. Through its principal subsidiary, First Harrison Bank, the company provides community banking services to individuals, families, businesses and organizations in southern Indiana and surrounding markets.

First Harrison Bank offers deposit products, residential and commercial real estate lending, consumer loans, business financing and other traditional banking services. Its offerings may also include online and mobile banking, treasury management and mortgage-related services designed to support personal and commercial financial needs.

First Harrison Bank has a history of serving its local communities and operates through a network of banking offices in southern Indiana. First Capital’s business is focused primarily on relationship-based banking, with lending and deposit activities centered in the communities served by the company.

Key Stats

• Today's Range: $62.00 to $63.24
• 50-Day Range: $60.29 to $65.80
• 52-Week Range: $37.64 to $71.00
• Volume: 14,413 shs
• Average Volume: 25,482 shs
• Market Capitalization: $210.40 million
• P/E Ratio: 11.37
• Dividend Yield: 2.03%
• Price Target: N/A
• Consensus Rating: Buy

First Capital Stock Analysis - MarketRank™

First Capital scored higher than 32% of companies evaluated by MarketBeat, and ranked 717th out of 854 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: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

First Capital has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

First Capital has only been the subject of 1 research reports in the past 90 days.

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 11.37, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Capital is 11.37, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.70.

Price to Book Value per Share Ratio

First Capital has a P/B Ratio of 1.53. 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

4.82% 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 5.62.

Change versus previous month

Short interest in First Capital has recently increased by 7.65%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

First Capital pays a meaningful dividend of 2.00%, 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 23.15%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: N/A

News Sentiment

First Capital has a news sentiment score of 1.79. 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 0.65 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: 0.3 / 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

4.14% of the stock of First Capital is held by insiders.

Percentage Held by Institutions

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

Company Calendar

• Last Earnings: 7/24/2026
• Record date for 9/25 Dividend: 9/11/2026
• Ex-Dividend for 9/25 Dividend: 9/11/2026
• Dividend Payable: 9/25/2026
• Today: 10/13/2026
• Next Earnings (Estimated): 10/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FCAP
• CIK: 1070296
• Web: www.firstharrison.com
• Phone: (812) 738-2198
• Fax: 812-738-2202
• Employees: 216
• Year Founded: 1891

Profitability

• EPS (Trailing Twelve Months): $5.53
• Trailing P/E Ratio: 11.37
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $16.37 million
• Net Margins: 26.79%
• Pretax Margin: 33.03%
• Return on Equity: 13.39%
• Return on Assets: 1.45%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.72
• Quick Ratio: 0.72

Sales & Book Value

• Annual Sales: $54.51 million
• Price / Sales: 3.86
• Cash Flow: $6.41 per share
• Price / Cash Flow: 9.81
• Book Value: $41.20 per share
• Price / Book: 1.53

Miscellaneous

• Outstanding Shares: 3,345,000
• Free Float: 3,207,000
• Market Cap: $210.40 million
• Optionable: Not Optionable
• Beta: 0.71