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Company Analysis

First Capital, Inc. FCAP

A comprehensive view of key metrics, scores, and financial health for First Capital, Inc.

Overview of First Capital, Inc.

FCAP NCM
Financial Services Banks - Regional Micro Cap
First Capital, Inc. (FCAP), is a Micro Cap company, in the Banks - Regional industry, last closed at $46.73, about 12.2% overvalued vs fair value, +22.3% 1Y return, ranked 536/1004 in sector.
$46.73
-0.68%
As of March 13, 2026
Previous close • Vol 90d: 57.6%
52-Week Range
Market Cap
$156.78M
Enterprise Value
$52.40M
Overall Score
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Top Beats

Quick Facts

Website https://www.firstharrison.com
HQ Corydon, IN
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$23
$41
$77
Current: $46.73 -12% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$50.4M
15.7%%
Interest Expense
$14.7M
Net Interest Income
$35.7M
3.4%%
Total Revenue
$65.3M
50.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.4%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.8M
31.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Capital, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
75
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
75
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FCAP's balance between Growth (21.7%), Profitability (41.0%), and Safety (37.3%). Growth 22% Safety 37% Profitability 41%

Click axes to expand details. Marker shows current allocation.

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Growth

37th percentile vs peers
37
Key Signals
Rev Growth YoY 50.3% 42p Revenue CAGR 3Y 17.5% 47p Asset Growth YoY 0.2% 20p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Asset Growth Yoy in bottom 20% of peers (0.2%)
  • Growth below peer median (percentile: 37)

Profitability

70th percentile vs peers
71
Key Signals
Strengths
Risks
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Safety

64th percentile vs peers
64
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Capital, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$41.01
- - -
-12.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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