How does FCAP's PE Ratio compare to its peers?

FCAP is good value based on its Price-To-Earnings Ratio (9.5x) compared to the peer average (17.3x).

How does FCAP's PE Ratio compare vs other companies in the US Banks Industry?

FCAP is good value based on its Price-To-Earnings Ratio (9.5x) compared to the US Banks industry average (12.8x).

What is FCAP's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate FCAP's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of FCAP when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

FCAP ($33.29) is trading below our estimate of [[fair value]] ($84.32)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

First Capital (Nasdaq:FCAP) - Stock Price, News & Analysis

FCAP Stock Overview

Operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers. More details

FCAP fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 60.5% below our estimate of its fair value

Pays a reliable dividend of 3.49%

Risk Analysis

No risks detected for FCAP from our risk checks.

First Capital, Inc. Competitors

American Riviera Bancorp

OTCPK:ARBV

US$113.6m

Main Street Financial Services

OTCPK:MSWV

US$112.6m

South Atlantic Bancshares

OTCPK:SABK

US$130.2m

Ohio Valley Banc

NasdaqGM:OVBC

US$117.9m

Price History & Performance

Summary of all time highs, changes and price drops for First Capital
Historical stock prices
Current Share Price	US$33.29
52 Week High	US$38.00
52 Week Low	US$24.40
Beta	0.64
11 Month Change	-4.30%
3 Month Change	4.67%
1 Year Change	26.56%
33 Year Change	-19.01%
5 Year Change	-50.65%
Change since IPO	280.40%

First Capital (NASDAQ:FCAP) Will Pay A Larger Dividend Than Last Year At $0.29

Aug 25

Recent updates

I Built A List Of Growing Companies And First Capital (NASDAQ:FCAP) Made The Cut

Apr 30

First Capital reports Q1 results

Apr 26

Should You Buy First Capital, Inc. (NASDAQ:FCAP) For Its Upcoming Dividend?

Mar 10

Why First Capital, Inc. (NASDAQ:FCAP) Is A Top Dividend Stock

Feb 01

First Capital, Inc. (NASDAQ:FCAP) Looks Interesting, And It's About To Pay A Dividend

Dec 10

First Capital declares $0.24 dividend

Nov 18

Shareholders Of First Capital (NASDAQ:FCAP) Must Be Happy With Their 193% Total Return

Nov 18

Shareholder Returns

	FCAP	US Banks	US Market
7D	-2.1%	-0.9%	-1.0%
1Y	26.6%	53.3%	30.3%

Return vs Industry: FCAP underperformed the US Banks industry which returned 53.3% over the past year.

Return vs Market: FCAP underperformed the US Market which returned 30.3% over the past year.

Price Volatility

Is FCAP's price volatile compared to industry and market?
FCAP volatility
FCAP Average Weekly Movement	6.1%
Banks Industry Average Movement	5.1%
Market Average Movement	6.2%
10% most volatile stocks in US Market	15.7%
10% least volatile stocks in US Market	3.1%

Stable Share Price: FCAP has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FCAP's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1891	195	Michael Frederick	www.firstharrison.com

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 residential mortgage loans, construction loans for residential and commercial properties, and commercial real estate and business loans.

First Capital, Inc. Fundamentals Summary

How do First Capital's earnings and revenue compare to its market cap?
FCAP fundamental statistics
Market cap	US$111.57m
Earnings (TTM)	US$11.79m
Revenue (TTM)	US$41.07m

9.5x

P/E Ratio

1.0x

P/B Ratio

Is FCAP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FCAP income statement (TTM)
Revenue	US$41.07m
Cost of Revenue	US$0
Gross Profit	US$41.07m
Other Expenses	US$29.28m
Earnings	US$11.79m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.52
Gross Margin	100.00%
Net Profit Margin	28.70%
Debt/Equity Ratio	28.8%

How did FCAP perform over the long term?

See historical performance and comparison

Dividends

3.5%

Current Dividend Yield

31%

Payout Ratio

FCAP Stock Overview

Rewards

Risk Analysis

First Capital, Inc. Competitors

OTCPK:ARBV

US$113.6m

OTCPK:MSWV

US$112.6m

OTCPK:SABK

US$130.2m

NasdaqGM:OVBC

US$117.9m

Price History & Performance

Recent News & Updates

Third quarter 2024 earnings released: EPS: US$0.87 (vs US$0.94 in 3Q 2023)

Investor sentiment improves as stock rises 19%

Upcoming dividend of US$0.29 per share

First Capital (NASDAQ:FCAP) Will Pay A Larger Dividend Than Last Year At $0.29

Second quarter dividend increased to US$0.29

First Capital, Inc. Declares Quarterly Cash Dividend, Payable on September 27, 2024

Recent updates

Third quarter 2024 earnings released: EPS: US$0.87 (vs US$0.94 in 3Q 2023)

Investor sentiment improves as stock rises 19%

Upcoming dividend of US$0.29 per share

First Capital (NASDAQ:FCAP) Will Pay A Larger Dividend Than Last Year At $0.29

Second quarter dividend increased to US$0.29

First Capital, Inc. Declares Quarterly Cash Dividend, Payable on September 27, 2024

Second quarter 2024 earnings released: EPS: US$0.84 (vs US$0.81 in 2Q 2023)

First Capital (NASDAQ:FCAP) Has Affirmed Its Dividend Of $0.27

First quarter dividend of US$0.27 announced

First Capital, Inc. Declares Quarterly Cash Dividend, Payable on June 28, 2024

First quarter 2024 earnings released: EPS: US$0.88 (vs US$1.14 in 1Q 2023)

Upcoming dividend of US$0.27 per share

Fourth quarter dividend of US$0.27 announced

First Capital, Inc., Annual General Meeting, May 22, 2024

Full year 2023 earnings released: EPS: US$3.82 (vs US$3.55 in FY 2022)

First Capital, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2023

Upcoming dividend of US$0.27 per share at 4.0% yield

First Capital, Inc. Announces Quarterly Dividend, Payable on December 29, 2023

Third quarter 2023 earnings released: EPS: US$0.94 (vs US$0.93 in 3Q 2022)

Insufficient new directors

Upcoming dividend of US$0.27 per share at 3.4% yield

First Capital, Inc. Declares Quarterly Cash Dividend, Payable on September 29, 2023

Second quarter 2023 earnings released: EPS: US$0.81 (vs US$0.81 in 2Q 2022)

Investor sentiment improves as stock rises 16%

Upcoming dividend of US$0.27 per share at 4.1% yield

First Capital, Inc. Announces Quarterly Dividend, Payable on June 30, 2023

Full year 2022 earnings released: EPS: US$3.55 (vs US$3.41 in FY 2021)

Upcoming dividend of US$0.27 per share at 3.9% yield

Full year 2022 earnings released: EPS: US$3.55 (vs US$3.41 in FY 2021)

First Capital (NASDAQ:FCAP) Has Affirmed Its Dividend Of $0.26

Upcoming dividend of US$0.26 per share

First Capital (NASDAQ:FCAP) Is Paying Out A Dividend Of $0.26

First Capital, Inc. Declares Quarterly Cash Dividend, Payable on December 30, 2022

Third quarter 2022 earnings released: EPS: US$0.93 (vs US$0.88 in 3Q 2021)

Third quarter 2022 earnings released: EPS: US$0.93 (vs US$0.88 in 3Q 2021)

First Capital, Inc. Announces Chief Executive Officer Changes

Upcoming dividend of US$0.26 per share

Insider recently bought US$136k worth of stock

First Capital, Inc. Declares Quarterly Cash Dividend for Common Stock, Payable on September 30, 2022

First Capital declares $0.26 dividend

Second quarter 2022 earnings released: EPS: US$0.81 (vs US$0.82 in 2Q 2021)

First Capital, Inc. Announces Net Charge-Offs for the Quarter Ended June 30, 2021

First Capital reports Q2 results

Upcoming dividend of US$0.26 per share

First Capital, Inc. Announces Quarterly Dividend, Payable on June 30, 2022

First quarter 2022 earnings released: EPS: US$0.75 (vs US$0.88 in 1Q 2021)

Full year 2021 earnings: Revenues and EPS in line with analyst expectations

Upcoming dividend of US$0.26 per share

First Capital (NASDAQ:FCAP) Has Re-Affirmed Its Dividend Of US$0.26

First Capital, Inc. Announces Declares Cash Dividend, Payable on March 31, 2022

Full year 2021 earnings: Revenues and EPS in line with analyst expectations

Upcoming dividend of US$0.26 per share

Insider recently bought US$80k worth of stock

Third quarter 2021 earnings released: EPS US$0.88 (vs US$0.82 in 3Q 2020)

Upcoming dividend of US$0.26 per share

Second quarter 2021 earnings released: EPS US$0.82 (vs US$0.73 in 2Q 2020)

First Capital, Inc.(NasdaqCM:FCAP) dropped from Russell 3000E Value Index

Upcoming dividend of US$0.26 per share

Independent Chairman of the Board recently bought US$51k worth of stock