First Capital (FCAP) Stock Price, News & Analysis

Company Overview

First Capital, Inc. is a closed-end, non-diversified management investment company organized as a business development company (BDC) under the Investment Company Act of 1940. Listed on the NASDAQ under the ticker FCAP, the firm specializes in providing debt and equity financing solutions to U.S. middle-market companies. External management is provided by First Capital Asset Management, LLC, leveraging senior credit expertise to structure tailored financing that supports growth initiatives, recapitalizations and acquisitions.

The company’s investment portfolio comprises senior secured loans, second-lien and subordinated debt, as well as equity co-investments. First Capital targets businesses across a broad spectrum of industries—including healthcare services, industrials, consumer products and business services—and employs a disciplined underwriting process that emphasizes rigorous due diligence, active portfolio monitoring and conservative risk management to preserve capital and generate current income.

Operating primarily within the continental United States, First Capital sources opportunities through an extensive network of referral partners, industry contacts and direct origination efforts. Governance is overseen by an experienced board of directors, while a team of seasoned credit professionals manages day-to-day investment decisions. The company remains focused on deploying capital selectively and delivering long-term shareholder value.

Key Stats

• Today's Range: $54.64 to $58.35
• 50-Day Range: $46.80 to $58.01
• 52-Week Range: $33.73 to $71.00
• Volume: 8,022 shs
• Average Volume: 3,894 shs
• Market Capitalization: $194.33 million
• P/E Ratio: 11.09
• Dividend Yield: 2.14%
• Price Target: N/A
• Consensus Rating: Moderate Buy

First Capital Stock Analysis - MarketRank™

First Capital scored higher than 38% of companies evaluated by MarketBeat, and ranked 741st out of 879 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: Moderate Buy

Consensus Rating

First Capital has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

First Capital has only been the subject of 2 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 11.09, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.06.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Capital is 11.09, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.00.

Price to Book Value per Share Ratio

First Capital has a P/B Ratio of 1.40. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.48% 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 16.28, which indicates bearish sentiment.

Change versus previous month

Short interest in First Capital has recently decreased by 33.97%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

First Capital pays a meaningful dividend of 2.26%, 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 23.71%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 2.5 / 5
• News Sentiment: N/A

News Sentiment

First Capital has a news sentiment score of 1.00. 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 0.68 average news sentiment score of Finance companies.

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

• Record date for 3/27 Dividend: 3/13/2026
• Ex-Dividend for 3/27 Dividend: 3/13/2026
• Dividend Payable: 3/27/2026
• Last Earnings: 4/24/2026
• Today: 5/27/2026
• Record date for 6/26 Dividend: 6/12/2026
• Ex-Dividend for 6/26 Dividend: 6/12/2026
• Dividend Payable: 6/26/2026
• Next Earnings (Estimated): 7/24/2026
• Fiscal Year End: 12/31/2026

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): $5.23
• Trailing P/E Ratio: 11.09
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $16.37 million
• Net Margins: 26.03%
• Pretax Margin: 30.48%
• Return on Equity: 12.82%
• Return on Assets: 1.38%

Debt

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

Sales & Book Value

• Annual Sales: $65.31 million
• Price / Sales: 2.98
• Cash Flow: $6.75 per share
• Price / Cash Flow: 8.60
• Book Value: $41.29 per share
• Price / Book: 1.40

Miscellaneous

• Outstanding Shares: 3,350,000
• Free Float: 3,207,000
• Market Cap: $194.33 million
• Optionable: Not Optionable
• Beta: 0.68