(FCAP) First Capital - Ratings and Ratios
Deposits, Loans, Mortgages, Securities, Consumer Credit
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.98% |
| Yield on Cost 5y | 2.33% |
| Yield CAGR 5y | 3.93% |
| Payout Consistency | 98.0% |
| Payout Ratio | 26.8% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 40.3% |
| Value at Risk 5%th | 59.7% |
| Relative Tail Risk | -9.98% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.86 |
| Alpha | 99.40 |
| CAGR/Max DD | 1.12 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.477 |
| Beta | 0.362 |
| Beta Downside | -0.003 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.19% |
| Mean DD | 13.06% |
| Median DD | 12.95% |
Description: FCAP First Capital December 23, 2025
First Capital, Inc. (NASDAQ: FCAP) is the holding company for First Harrison Bank, a community-bank focused on Indiana and Kentucky. The bank offers a full suite of deposit products (checking, money-market, savings, CDs, and retirement accounts) and a broad loan portfolio that includes residential mortgages, construction financing, commercial real-estate and business loans, as well as a range of consumer loans (auto, home-equity, boat, etc.). It also holds mortgage-backed securities (MBS) and collateralized mortgage obligations (CMOs) as part of its investment strategy. The firm traces its origins to 1891 and remains headquartered in Corydon, Indiana.
Key operating metrics (as of the most recent 10-K filing, FY 2023) show total assets of roughly $2.1 billion, a loan-to-deposit ratio near 73 % and a net interest margin (NIM) of about 3.2 %. The regional-bank sector is currently sensitive to the Federal Reserve’s policy stance; higher rates tend to boost NIM but can compress loan demand, especially in residential mortgage origination. Additionally, FCAP’s exposure to construction loans makes it vulnerable to local real-estate cycles and the broader supply-chain constraints affecting material costs.
If you want a quantitative deep-dive into FCAP’s valuation drivers, a quick look at its profile on ValueRay can help you assess risk-adjusted returns and peer comparisons.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (14.8m TTM) > 0 and > 6% of Revenue (6% = 3.43m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.03pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -901.3% (prev -1045 %; Δ 143.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 20.1m > Net Income 14.8m (YES >=105%, WARN >=100%) |
| Net Debt (-115.6m) to EBITDA (14.2m) ratio: -8.14 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.52 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.35m) change vs 12m ago 0.06% (target <= -2.0% for YES) |
| Gross Margin 64.66% (prev 72.73%; Δ -8.07pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.72% (prev 4.75%; Δ -0.03pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.84 (EBITDA TTM 14.2m / Interest Expense TTM 14.9m) >= 6 (WARN >= 3) |
Altman Z'' -2.27
| (A) -0.42 = (Total Current Assets 553.1m - Total Current Liabilities 1.07b) / Total Assets 1.24b |
| (B) 0.09 = Retained Earnings (Balance) 113.8m / Total Assets 1.24b |
| (C) 0.01 = EBIT TTM 12.5m / Avg Total Assets 1.21b |
| (D) 0.09 = Book Value of Equity 100.1m / Total Liabilities 1.10b |
| Total Rating: -2.27 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 54.15
| 1. Piotroski 2.0pt |
| 2. FCF Yield -4.93% |
| 3. FCF Margin 34.62% |
| 4. Debt/Equity 0.00 |
| 5. Debt/Ebitda -8.14 |
| 6. ROIC - WACC (= -9.75)% |
| 7. RoE 8.38% |
| 8. Rev. Trend 77.22% |
| 9. EPS Trend 56.10% |
What is the price of FCAP shares?
Over the past week, the price has changed by -1.68%, over one month by +23.68%, over three months by +34.80% and over the past year by +94.79%.
Is FCAP a buy, sell or hold?
What are the forecasts/targets for the FCAP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 71 | 16.8% |
FCAP Fundamental Data Overview December 23, 2025
P/E Trailing = 10.22
P/S = 4.7176
P/B = 1.6773
Beta = 0.67
Revenue TTM = 57.2m USD
EBIT TTM = 12.5m USD
EBITDA TTM = 14.2m USD
Long Term Debt = unknown (none)
Short Term Debt = 5000 USD (from shortTermDebt, last fiscal year)
Debt = 4000 USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -115.6m USD (from netDebt column, last quarter)
Enterprise Value = -401.9m USD (151.2m + Debt 4000 - CCE 553.1m)
Interest Coverage Ratio = 0.84 (Ebit TTM 12.5m / Interest Expense TTM 14.9m)
FCF Yield = -4.93% (FCF TTM 19.8m / Enterprise Value -401.9m)
FCF Margin = 34.62% (FCF TTM 19.8m / Revenue TTM 57.2m)
Net Margin = 25.80% (Net Income TTM 14.8m / Revenue TTM 57.2m)
Gross Margin = 64.66% ((Revenue TTM 57.2m - Cost of Revenue TTM 20.2m) / Revenue TTM)
Gross Margin QoQ = 25.65% (prev 75.50%)
Tobins Q-Ratio = -0.33 (set to none) (Enterprise Value -401.9m / Total Assets 1.24b)
Interest Expense / Debt = 92.5k% (Interest Expense 3.70m / Debt 4000 )
Taxrate = 19.23% (1.07m / 5.55m)
NOPAT = 10.1m (EBIT 12.5m * (1 - 19.23%))
Current Ratio = 0.52 (Total Current Assets 553.1m / Total Current Liabilities 1.07b)
Debt / Equity = 0.00 (Debt 4000 / totalStockholderEquity, last quarter 346.2m)
Debt / EBITDA = -8.14 (Net Debt -115.6m / EBITDA 14.2m)
Debt / FCF = -5.84 (Net Debt -115.6m / FCF TTM 19.8m)
Total Stockholder Equity = 176.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.19% (Net Income 14.8m / Total Assets 1.24b)
RoE = 8.38% (Net Income TTM 14.8m / Total Stockholder Equity 176.0m)
RoCE = 7.47% (EBIT 12.5m / Capital Employed (Total Assets 1.24b - Current Liab 1.07b))
RoIC = -2.40% (NOPAT 10.1m / Invested Capital -420.5m)
WACC = 7.35% (E(151.2m)/V(151.2m) * Re(7.35%) + (debt cost/tax rate unavailable))
Discount Rate = 7.35% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 0.05%
[DCF Debug] Terminal Value 78.68% ; FCFE base≈19.3m ; Y1≈19.9m ; Y5≈22.3m
Fair Price DCF = 116.8 (DCF Value 391.8m / Shares Outstanding 3.36m; 5y FCF grow 2.70% → 3.0% )
EPS Correlation: 56.10 | EPS CAGR: 13.19% | SUE: N/A | # QB: 0
Revenue Correlation: 77.22 | Revenue CAGR: 3.33% | SUE: N/A | # QB: 0
Additional Sources for FCAP Stock
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Fund Manager Positions: Dataroma | Stockcircle