NASDAQ · Banks - Regional

First Capital, Inc. (FCAP) Stock

$63.35 -0.92% NASDAQ: FCAP Financial Services

Valuation

MetricValue
Price$63.35
Market Cap$211.88M
P/E Ratio11.37
P/B Ratio1.47
P/S Ratio3.06
EPS (TTM)$4.89
52-Week High$71.00
52-Week Low$37.64
Dividend Yield2.03%

Financials & Margins

MetricValue
ROE13.40%
ROA1.43%
ROCE15.03%
Gross Margin30.77%
Operating Margin30.77%
Net Margin26.79%
Debt/Equity0.00
Current Ratio0.35

Annual Financials (USD)

Metric20212022202320242025
Revenue$39.0M$42.0M$51.0M$58.0M$65.0M
Operating Profit$14.0M$14.0M$15.0M$14.0M$20.0M
Net Profit$11.0M$12.0M$13.0M$12.0M$16.0M
EPS$3.41$3.55$3.82$3.57$4.89
Op Margin35.1%34.0%29.4%24.4%30.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.2B$1.2B$1.2B$1.2B$1.3B
Total Liabilities$1.0B$1.1B$1.1B$1.1B$1.1B
Cash$32.0M$33.0M$27.0M$109.0M$139.0M
Borrowings$0$0$22.0M$0$0

Latest News

First Capital, Inc. Announces Quarterly Dividend GlobeNewswire · May 19, 2026 First Capital Q1 Earnings, Revenue Rise MT Newswires · Apr 24, 2026 First Capital: Q1 Earnings Snapshot Associated Press · Apr 24, 2026 First Capital, Inc. Reports Quarterly Earnings GlobeNewswire · Apr 24, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$22.0M$17.0M$14.0M$22.0M$21.0M
Investing Cash Flow$-157.0M$-144.0M$-25.0M$28.0M$-43.0M
Financing Cash Flow$135.0M$25.0M$-36.0M$41.0M$56.0M
Net Cash Flow$-3.0M$-106.0M$-28.0M$67.0M$31.0M
Free Cash Flow$21.0M$16.0M$14.0M$22.0M$20.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.28
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y50.74%
Return 3Y110.60%
Return 5Y65.90%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CFBKCF Bankshares Inc. $34.48 -0.26% 12.04 $221.21M 1.05%
CZWICitizens Community Bancorp, Inc. $21.42 -0.37% 16.26 $206.71M 1.97%
EBMTEagle Bancorp Montana, Inc. $21.32 -0.98% 10.32 $169.82M 2.78%
ECBKECB Bancorp, Inc. $21.66 +1.55% 14.39 $189.26M 0.00%
FNWDFinward Bancorp $43.56 +0.14% 18.51 $188.65M 1.13%

About First Capital, Inc.

First Capital, Inc. is led by CEO Michael Chris Frederick, employs 173 people, headquartered in US, publicly traded since 1999.

First Capital, Inc. (FCAP) stock trades at $63.35 with a market capitalization of $211.88M. The stock is valued at a price-to-earnings (P/E) ratio of 11.37, price-to-book of 1.47, price-to-sales of 3.06. Over the past 52 weeks the stock has ranged between $37.64 and $71.00, and currently trades 10.8% below its 52-week high. It pays a dividend yielding 2.03%.

On profitability, First Capital, Inc. generates a return on equity (ROE) of 13.40%, return on capital employed of 15.03%, an operating margin of 30.77%, a net profit margin of 26.79%.

First Capital, Inc. by the numbers, 2016–2025

Between 2016 and 2025 First Capital, Inc. reported revenue of $31.0M rising to $65.0M, a change of +109.7% across 10 years. Compounded, revenue has grown 11.3% a year over five years, 15.7% over three, 12.1% over the last twelve months. Net profit rose to $16.0M.

Operating margin went from 30.2% in 2016 to 30.5% in 2025, essentially unchanged. The most recent net margin is 26.79%. On a trailing twelve-month basis to Jun '26, revenue is $69.0M and net profit $18.0M.

Borrowings stand at $0, cash from operations was $21.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 11.6% over five years, and was 11.6% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

First Capital, Inc. (FCAP) — frequently asked questions

What is First Capital, Inc. (FCAP) stock price today?

First Capital, Inc. (FCAP) is currently trading at $63.35, down 0.92% today.

What is FCAP P/E ratio?

First Capital, Inc.'s P/E ratio is 11.37. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is FCAP return on equity (ROE)?

First Capital, Inc.'s return on equity (ROE) is 13.40%. ROE measures net income relative to shareholders' equity. This is within the typical market range of roughly 12-15%.

What is First Capital, Inc.'s market cap?

First Capital, Inc. has a market capitalization of $211.88M.

Does FCAP pay a dividend?

Yes. First Capital, Inc. currently yields 2.03%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does FCAP carry?

First Capital, Inc. has a debt-to-equity ratio of 0.00. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is FCAP's profit margin?

First Capital, Inc. reports a net profit margin of 26.79% — the share of revenue left after every cost, including tax and interest.

What sector is FCAP in?

First Capital, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is FCAP listed on?

First Capital, Inc. trades on NASDAQ under the ticker FCAP.

What is FCAP's 52-week range?

Over the last year First Capital, Inc. has traded between $37.64 and $71.00.

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Screens FCAP currently matches

On the figures above, First Capital, Inc. passes the filters for 3 of our ready-made screens, among them Debt Free Stocks Under $100, Micro Cap Stocks, Debt Free Micro Cap Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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