Is FCAP a good stock to buy right now?

Based on our 6-factor quantitative model, FIRST CAPITAL INC (FCAP) receives a "Hold" rating with a composite score of 51.1/100. It is ranked #1,254 out of 4,446 stocks. Key factor scores: Quality 59/100, Value 75/100, Momentum 52/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for FCAP?

FIRST CAPITAL INC (FCAP) has a "Hold" rating and 3-star score. The composite score of 51.1 ranks it #1,254 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is FCAP in?

FIRST CAPITAL INC operates in the Financials sector (Banking industry) with a market cap of $168 million. It is classified as a micro-cap stock.

Does FCAP pay a dividend?

Yes, FCAP pays a dividend with a current yield of 2.59%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $25.90 in annual dividend income.

What is FCAP's P/E ratio?

FCAP has a trailing P/E ratio of 12.13x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is FCAP?

FCAP's quality factor score is 59/100. ROE: 10.4% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is FCAP valued compared to peers?

FCAP's value factor score is 75/100 (higher = cheaper). Key multiples: P/E 12.1x, EV/EBITDA 9.4x. The stock appears attractively valued versus peers.

What is FCAP's debt level?

FCAP's debt-to-equity ratio is 822%. Sector average: 121%. Elevated leverage increases credit risk.

FCAP has a beta of 0.32, meaning it is less volatile than the market. Stability score: 66/100.

Does FCAP have high short interest?

FCAP's short interest factor score is 1/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

FCAP Stock Analysis: Top Micro-Cap Hold (Score 51.1/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
FCAP	+1.08%	+8.17%	+10.96%	-8.53%	+36.02%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	+1.15%	+4.57%	+10.63%	-8.17%	+6.50%	-	-	-
Alpha vs Sector	+2.17%	+5.67%	+9.54%	-1.23%	+25.44%	-	-	-

Metric	FCAP	Benchmark
P/E Ratio	12.1x	-18%
EV/EBITDA	9.4x	+188%
Price / Book	1.3x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
FCAP FIRST CAPITAL INC	51	59	75	52	12.1x	10.4%	-	25.9%	20.0%	822.0x	$168M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	-	-	-	-	-	-	0.8%	0.8%	0.9%	0.9%	0.8%
Operating Margin %	0.3%	2.8%	2.0%	2.1%	2.0%	2.1%	0.2%	0.2%	0.2%	0.2%	0.2%
EBITDA Margin %	0.3%	2.9%	2.2%	2.3%	2.1%	2.3%	0.4%	0.4%	0.5%	0.3%	0.2%
Net Margin %	0.3%	2.3%	1.7%	1.8%	1.7%	1.8%	0.3%	0.3%	0.3%	0.3%	0.3%
FCF Margin %	-	-	-	-	-	-	31.1%	29.9%	45.0%	45.2%	21.2%
ROE %	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	10.0%	11.4%	9.8%	11.3%	13.2%	9.5%	8.3%	6.8%	7.1%	7.4%	8.6%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.8%

0.9%

0.8%

Operating Margin %

0.3%

2.8%

2.0%

2.1%

2.0%

2.1%

0.2%

EBITDA Margin %

0.3%

2.9%

2.2%

2.3%

2.1%

2.3%

0.4%

0.5%

0.3%

0.2%

Net Margin %

0.3%

2.3%

1.7%

1.8%

1.7%

1.8%

0.3%

FCF Margin %

31.1%

29.9%

45.0%

45.2%

21.2%

ROE %

0.1%

ROA %

0.0%

ROIC %

10.0%

11.4%

9.8%

11.3%

13.2%

9.5%

8.3%

6.8%

7.1%

7.4%

8.6%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$55M	$7M	$7M	$7M	$7M	$6M	$37M	$37M	$29M	$27M	$30M	$23M
	—	—	—	—	—	—	$28M	$30M	$27M	$25M	$23M	$18M
Gross Margin	---	---	---	---	---	---	76.3%	81.0%	94.7%	93.1%	79.1%	77.6%
	—	$1M	$1M	$1M	$1M	$1M	$4M	$3M	$3M	$3M	$2M	$1M
Total Operating Expenses	—	-$13M	-$7M	-$8M	-$7M	-$7M	—	—	—	—	—	—
	$18M	$20M	$14M	$15M	$14M	$14M	$9M	$7M	$6M	$7M	$6M	$5M
EBIT	$18M	$20M	$14M	$15M	$14M	$14M	$9M	$7M	$6M	$7M	$6M	$5M
EBITDA	$19M	$21M	$15M	$16M	$15M	$15M	$16M	$16M	$14M	$9M	$7M	$9M
Operating Margin	31.5%	277.7%	200.7%	214.7%	199.2%	212.2%	23.4%	18.6%	21.4%	24.9%	20.9%	22.4%
EBITDA Margin	33.7%	292.9%	216.3%	229.4%	214.2%	229.9%	42.2%	42.1%	48.7%	32.2%	24.9%	37.8%
	—	—	—	$9M	$2M	$1M	$2M	$2M	$2M	$1M	$2M	$1M
	—	$20M	$2M	$3M	$3M	$2M	—	—	—	—	—	—
Income Tax Expense	—	$4M	$2M	$2M	$2M	$2M	$2M	$2M	$1M	$3M	$3M	$2M
	$14M	$16M	$12M	$13M	$12M	$11M	$10M	$10M	$9M	$7M	$7M	$5M
Net Margin	25.9%	228.4%	169.3%	182.7%	166.8%	177.4%	27.7%	27.8%	27.6%	27.7%	27.5%	22.8%
	$4.89	$4.89	$3.57	$3.82	$3.55	$3.41	$3.03	$3.10	$2.78	$2.24	$2.05	$1.87
Diluted EPS	$4.89	$4.89	$3.57	$3.82	$3.55	$3.41	$3.03	$3.10	$2.78	$2.24	$2.05	$1.87
Weighted Avg Basic	—	3M	3M	3M	3M	3M	—	—	—	—	—	—
Weighted Avg Diluted	—	3M	3M	3M	3M	3M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$55M

$7M

$6M

$37M

$29M

$27M

$30M

$23M

—

$28M

$30M

$27M

$25M

$23M

$18M

Gross Margin

---

76.3%

81.0%

94.7%

93.1%

79.1%

77.6%

—

$1M

$4M

$3M

$2M

$1M

Total Operating Expenses

—

-$13M

-$7M

-$8M

-$7M

—

$18M

$20M

$14M

$15M

$14M

$9M

$7M

$6M

$7M

$6M

$5M

EBIT

$18M

$20M

$14M

$15M

$14M

$9M

$7M

$6M

$7M

$6M

$5M

EBITDA

$19M

$21M

$15M

$16M

$15M

$16M

$14M

$9M

$7M

$9M

Operating Margin

31.5%

277.7%

200.7%

214.7%

199.2%

212.2%

23.4%

18.6%

21.4%

24.9%

20.9%

22.4%

EBITDA Margin

33.7%

292.9%

216.3%

229.4%

214.2%

229.9%

42.2%

42.1%

48.7%

32.2%

24.9%

37.8%

—

$9M

$2M

$1M

$2M

$1M

$2M

$1M

—

$20M

$2M

$3M

$2M

—

Income Tax Expense

—

$4M

$2M

$1M

$3M

$2M

$14M

$16M

$12M

$13M

$12M

$11M

$10M

$9M

$7M

$5M

Net Margin

25.9%

228.4%

169.3%

182.7%

166.8%

177.4%

27.7%

27.8%

27.6%

27.7%

27.5%

22.8%

$4.89

$3.57

$3.82

$3.55

$3.41

$3.03

$3.10

$2.78

$2.24

$2.05

$1.87

Diluted EPS

$4.89

$3.57

$3.82

$3.55

$3.41

$3.03

$3.10

$2.78

$2.24

$2.05

$1.87

Weighted Avg Basic

—

Weighted Avg Diluted

—

FIRST CAPITAL INC (FCAP) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does FIRST CAPITAL INC Do?

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers. The company offers 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 provides real estate mortgage loans, such as fixed-rate and adjustable rate mortgage residential loans, construction loans for residential and commercial properties, and commercial real estate loans, as well as commercial business loans. In addition, the company originates mortgage loans for sale in the secondary market and sells non-deposit investment products; and offers various secured or guaranteed consumer loans comprising automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans, and loans secured by savings deposits, as well as unsecured consumer loans. It provides its products and services through 18 locations in Indiana and Kentucky. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana. FIRST CAPITAL INC (FCAP) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO William W. Harrod and employs approximately 220 people, headquartered in CORYDON, Indiana. With a market capitalization of $168M, FCAP is one of the notable companies in the Financials sector.

FIRST CAPITAL INC (FCAP) Stock Rating — Hold (April 2026)

As of April 2026, FIRST CAPITAL INC receives a Hold rating with a composite score of 51.1/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.FCAP ranks #1,254 out of 4,446 stocks in our coverage universe. Within the Financials sector, FIRST CAPITAL INC ranks #383 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

FCAP Stock Price and 52-Week Range

FIRST CAPITAL INC (FCAP) currently trades at $54.15. The stock gained $0.58 (1.1%) in the most recent trading session. The 52-week high for FCAP is $71.00, which means the stock is currently trading -23.7% from its annual peak. The 52-week low is $33.73, putting the stock 60.5% above its annual trough. Recent trading volume was 6K shares, suggesting relatively thin trading activity.

Is FCAP Overvalued or Undervalued? — Valuation Analysis

FIRST CAPITAL INC (FCAP) carries a value factor score of 75/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 12.13x, compared to the Financials sector average of 14.88x — a discount of 18%. The price-to-book ratio stands at 1.27x, versus the sector average of 1.22x. The price-to-sales ratio is 3.16x, compared to 0.90x for the average Financials stock. On an enterprise value basis, FCAP trades at 9.38x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, FIRST CAPITAL INC appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

FIRST CAPITAL INC Profitability — ROE, Margins, and Quality Score

FIRST CAPITAL INC (FCAP) earns a quality factor score of 59/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.4%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.1% versus the sector average of 1.2%.

The operating margin is 31.5% (sector: 21.8%). Net profit margin stands at 25.9%, versus 17.7% for the average Financials stock. Revenue growth is running at 20.0% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

FCAP Debt, Balance Sheet, and Financial Health

FIRST CAPITAL INC has a debt-to-equity ratio of 822.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.12x, suggesting adequate working capital coverage.

FCAP has a beta of 0.32, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for FIRST CAPITAL INC is 66/100, reflecting average volatility within the normal range for its sector.

FIRST CAPITAL INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, FIRST CAPITAL INC reported revenue of $55M and earnings per share (EPS) of $4.89. Net income for the quarter was $14M. Operating income came in at $18M.

In FY 2025, FIRST CAPITAL INC reported revenue of $7M and earnings per share (EPS) of $4.89. Net income for the quarter was $16M. Revenue grew 1.6% year-over-year compared to FY 2024. Operating income came in at $20M.

In Q3 2025, FIRST CAPITAL INC reported revenue of $15M and earnings per share (EPS) of $1.34. Net income for the quarter was $4M. Revenue grew 10.8% year-over-year compared to Q3 2024. Operating income came in at $6M.

In Q2 2025, FIRST CAPITAL INC reported revenue of $14M and earnings per share (EPS) of $1.13. Net income for the quarter was $4M. Revenue grew 14.9% year-over-year compared to Q2 2024. Operating income came in at $5M.

Over the past 8 quarters, FIRST CAPITAL INC has demonstrated a growth trajectory, with revenue expanding from $12M to $55M. Investors analyzing FCAP stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

FCAP Dividend Yield and Income Analysis

FIRST CAPITAL INC (FCAP) currently pays a dividend yield of 2.6%. At this yield, a $10,000 investment in FCAP stock would generate approximately $$259.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning FCAP offers above-average income for its sector. With a net margin of 25.9%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

FCAP Momentum and Technical Analysis Profile

FIRST CAPITAL INC (FCAP) has a momentum factor score of 52/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 26/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 1/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

FCAP vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, FIRST CAPITAL INC (FCAP) ranks #383 out of 891 stocks based on the Blank Capital composite score. This places FCAP in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing FCAP against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full FCAP vs S&P 500 (SPY) comparison to assess how FIRST CAPITAL INC stacks up against the broader market across all factor dimensions.

FCAP Next Earnings Date

No upcoming earnings date has been announced for FIRST CAPITAL INC (FCAP) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy FCAP? — Investment Thesis Summary

FIRST CAPITAL INC presents a balanced picture with arguments on both sides. The value score of 75/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 66/100) reduces downside risk.

In summary, FIRST CAPITAL INC (FCAP) earns a Hold rating with a composite score of 51.1/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on FCAP stock.

Related Resources for FCAP Investors

Explore more research and tools: FCAP vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare FCAP head-to-head with peers: FCAP vs WTM, FCAP vs OPY, FCAP vs ACT.

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We Ran A Stock Scan For Earnings Growth And First Capital (NASDAQ:FCAP) Passed With Ease

First Capital declares $0.31 dividend (NASDAQ:FCAP)

First Capital, Inc. Announces Date of Annual Meeting

First Capital, Inc. Announces Quarterly Dividend

First Capital REIT Announces Date For First Quarter 2026 Results Conference Call

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FIRST CAPITAL INC (FCAP) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does FIRST CAPITAL INC Do?

FIRST CAPITAL INC (FCAP) Stock Rating — Hold (April 2026)

FCAP Stock Price and 52-Week Range

Is FCAP Overvalued or Undervalued? — Valuation Analysis

FIRST CAPITAL INC Profitability — ROE, Margins, and Quality Score

FCAP Debt, Balance Sheet, and Financial Health

FIRST CAPITAL INC Revenue and Earnings History — Quarterly Trend

FCAP Dividend Yield and Income Analysis

FCAP Momentum and Technical Analysis Profile

FCAP vs Competitors — Financials Sector Ranking and Peer Comparison

FCAP Next Earnings Date

Should You Buy FCAP? — Investment Thesis Summary

Related Resources for FCAP Investors

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We Ran A Stock Scan For Earnings Growth And First Capital (NASDAQ:FCAP) Passed With Ease

First Capital declares $0.31 dividend (NASDAQ:FCAP)

First Capital, Inc. Announces Date of Annual Meeting

First Capital, Inc. Announces Quarterly Dividend

First Capital REIT Announces Date For First Quarter 2026 Results Conference Call