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Home CompaniesFirst Capital Inc

First Capital Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
64.36 USD -0.26 ( 0.40%)
Last update at 2026-11-12T15:33:00Z
VOLUME
4984
Market Cap
177.39M
P/E
11.20

Momentum Score

…

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company provides various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also offers residential mortgage loans; construction loans for residential and commercial properties; and commercial real estate and business loans. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it provides various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; unsecured consumer loans; and loans secured by savings deposits. Additionally, the company invests in mortgage-backed securities and collateralized mortgage obligations. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
62.97
Low
64.62
High
52 Week Price Range
33.10
Low
70.53
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Public information on First Capital Inc (NASDAQ: FCAP) is limited; available sources do not clearly describe the company's core operations or verified long-term growth drivers. Given sparse disclosure and limited analyst coverage, potential investor interest depends on information contained in the company's SEC filings and audited reports rather than public media or third‑party research.
The primary investment risk is the limited disclosure and likely low trading liquidity, which increase information asymmetry, governance and execution risk for shareholders.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
64.62
Dividend Yield
2.19%
Revenue TTM
49.47M
Revenue Per Share
14.79
Gross Profit TTM
49.47M
Debt / Equity
0.00
ROE
12.97%
Net Debt
-104.38M
ROCE
13.56%
Diluted EPS TTM
4.73

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 19.91M 14.17M 15.05M 14.23M 13.68M
Minority interest -0.01M -0.01M -0.01M 0.01M 0.01M
Net income 16.37M 11.94M 12.79M 11.90M 11.42M
Selling general administrative 17.29M 15.54M 15.00M 14.70M 14.54M
Selling and marketing expenses - 0.36M 0.33M 0.35M 0.35M
Gross profit 49.47M 42.00M 41.08M 40.28M 37.86M
Reconciled depreciation 1.09M 1.10M 1.03M 1.07M 1.14M
Ebit - 14.17M 15.05M 17.83M 13.66M
Ebitda 19.91M 15.27M 16.08M 18.90M 14.81M
Depreciation and amortization - 1.10M 1.03M 1.07M 1.14M
Operating income 19.91M 14.17M 15.05M 17.83M 13.66M
Other operating expenses 45.40M 43.96M 36.19M 1.10M -24.20M
Interest expense 14.70M 14.68M 9.02M 1.59M 1.13M
Tax provision 3.53M 2.22M 2.25M 2.32M 2.24M
Interest income 56.74M 50.38M 43.55M 33.92M 29.44M
Net interest income 42.05M 35.70M 34.53M 32.32M 28.32M
Income tax expense 3.53M 2.22M 2.25M 2.32M 2.24M
Total revenue 65.31M 58.13M 51.24M 40.28M 37.86M
Total operating expenses 29.56M 27.83M 26.03M 1.10M -24.20M
Cost of revenue 15.84M 16.13M 10.16M - -
Total other income expense net - -27.83M 15.05M -3.59M 0.01M
Net income from continuing ops 16.38M 11.95M 12.80M 11.91M 11.44M
Net income applicable to common shares - - - 11.90M 11.42M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1271.99M 1187.52M 1157.88M 1151.40M 1156.60M
Intangible assets - 0.09M 0.23M 0.38M 0.53M
Other current assets -146.42M - 47.38M 5.08M 202.06M
Total liab 1134.09M 1072.81M 1052.54M 1066.13M 0.10M
Total stockholder equity 137.80M 114.60M 105.23M 85.16M 113.83M
Other current liab 1122.99M 1066.43M 773.98M -0.12M -0.10M
Common stock 0.04M 0.04M 0.04M 0.04M 0.04M
Capital stock 0.04M 0.04M 0.04M 0.04M 0.04M
Retained earnings 117.64M 105.29M 97.11M 88.47M 80.07M
Other liab - - - 1.00M 7.21M
Good will 6.47M 6.47M 6.47M 6.47M 6.47M
Other assets 651.81M - - 594.66M 202.06M
Cash 104.39M 26.59M 27.10M 32.73M 32.27M
Total current liabilities 1125.18M 1068.36M 795.50M 0.12M 0.10M
Current deferred revenue - - -1.21M - -
Net debt -104.38M -26.59M -5.58M -32.73M -32.27M
Short term debt - 0.01M 21.52M - -
Short long term debt total 0.00M 0.00M 21.52M - -
Other stockholder equity 31.77M 32.26M 32.37M 32.40M 31.99M
Property plant equipment - - - 14.67M 15.18M
Total current assets 396.83M 96.26M 47.38M 535.22M 483.04M
Long term investments 424.19M 396.24M 444.27M 461.61M 933.03M
Net tangible assets - - - 78.31M 113.83M
Short term investments 433.76M 65.09M 437.27M 460.82M 447.33M
Net receivables 5.10M 4.58M 4.79M 4.29M 3.43M
Long term debt - - 21.50M - -
Inventory - - 33.88M - 0.04M
Accounts payable 2.19M 1.92M 1.21M 0.12M 0.10M
Noncontrolling interest in consolidated entity - - - 0.11M 0.11M
Accumulated other comprehensive income -11.65M -22.99M -24.28M -35.74M 1.73M
Common stock total equity - - - 0.04M 0.04M
Retained earnings total equity - - - 88.47M 80.07M
Treasury stock - - - -8.69M -8.66M
Non currrent assets other 41.91M 107.70M 23.58M -467.82M -471.51M
Non current assets total 875.17M 1091.26M 1110.50M 21.52M 471.51M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -57.27M 29.01M -23.95M -152.88M -199.72M
Change to liabilities - - - 0.03M 0.00M
Total cashflows from investing activities -42.03M 29.01M -23.95M -144.03M -156.46M
Net borrowings 0.00M -21.50M 21.50M - -
Total cash from financing activities 51.92M 15.90M -17.84M 21.29M 131.45M
Change to operating activities - - - -1.25M 1.24M
Net income 16.37M 11.94M 12.79M 11.91M 11.44M
Change in cash -0.52M 67.25M -27.63M -106.21M -3.38M
Begin period cash flow 2.86M 38.67M 66.30M 172.51M 175.89M
End period cash flow 2.34M 105.92M 38.67M 66.30M 172.51M
Total cash from operating activities 21.48M 22.34M 14.16M 16.53M 21.63M
Depreciation 1.09M 1.10M 1.03M 1.07M 1.14M
Other cashflows from investing activities -42.03M 11.10M -42.58M 9.27M 43.54M
Dividends paid 4.02M 3.77M 3.63M -3.52M -3.52M
Change to inventory - - 0.21M - -
Change to account receivables -0.53M 0.21M -0.50M -0.85M 0.00M
Sale purchase of stock -0.58M -0.04M -0.50M 0.00M -0.04M
Other cashflows from financing activities 56.52M 41.20M -35.21M 24.66M 135.02M
Change to netincome - - - 2.67M 5.34M
Capital expenditures 1.35M 0.72M 0.63M 0.41M 0.29M
Change receivables - - - -0.85M 0.00M
Cash flows other operating - - - -0.31M 1.48M
Cash and cash equivalents changes - - - -106.21M -3.38M
Change in working capital 0.60M 4.26M -4.10M -2.11M 1.24M
Stock based compensation 0.10M 0.20M 0.25M 0.44M 0.49M
Other non cash items 4.41M 3.20M 2.90M 4.98M 7.10M
Free cash flow 20.13M 21.63M 13.54M 16.12M 21.34M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
FCAP
First Capital Inc		 -0.26
0.40%		 64.36 11.20 9.60 3.59 1.29 3.50
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

First Capital Inc

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company provides various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also offers residential mortgage loans; construction loans for residential and commercial properties; and commercial real estate and business loans. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it provides various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; unsecured consumer loans; and loans secured by savings deposits. Additionally, the company invests in mortgage-backed securities and collateralized mortgage obligations. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.

220 Federal Drive, N.W., Corydon, IN, United States, 47112

812 738 2198

https://www.firstharrison.com

176

Name Title Year Born
Mr. William W. Harrod Pres, CEO, COO & Director 1956
Mr. Michael Chris Frederick Exec. VP, CFO, Treasurer & Director 1968
Jennifer Meredith Corp. Sec. and HR & Admin. Officer NA
Mr. Jeff Thomas Director of Bus. Devel. & Director of Bus. Devel. of First Harrison Bank NA
Mr. Michael Chris Frederick CEO, President & Director 1968
Mr. Joseph D. Mahuron Chief Credit Officer 1971
Mr. Joshua P. Stevens CPA Chief Financial Officer NA
Mr. Jeff Thomas Director of Business Development & Director of Business Development of First Harrison Bank NA
Ms. Jennifer A. Meredith Corporate Secretary 1967
Mr. Joshua P. Stevens CPA Executive VP, CFO & Treasurer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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