First Capital, Inc. Logo

First Capital, Inc.

FCAP

(2.8)
Stock Price

31,77 USD

1.16% ROA

13.44% ROE

7.11x PER

Market Cap.

94.153.546,00 USD

0% DER

3.84% Yield

29.49% NPM

First Capital, Inc. Stock Analysis

First Capital, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

First Capital, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (15.13%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 PBV

The stock's low PBV ratio (0.94x) suggests it's undervalued, making it an attractive opportunity for investors.

3 DER

The stock has a low debt to equity ratio (14%), which means it has a small amount of debt compared to the ownership it holds

4 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

5 ROA

The stock's ROA (1.15%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (85) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

First Capital, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

First Capital, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

First Capital, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

First Capital, Inc. Revenue
Year Revenue Growth
1998 981.000
1999 2.145.903 54.28%
2000 9.315.292 76.96%
2001 10.793.110 13.69%
2002 11.846.918 8.9%
2003 14.863.548 20.3%
2004 15.657.811 5.07%
2005 16.277.151 3.8%
2006 16.900.000 3.69%
2007 16.910.000 0.06%
2008 18.514.000 8.66%
2009 17.954.000 -3.12%
2010 20.238.000 11.29%
2011 20.600.000 1.76%
2012 20.872.000 1.3%
2013 21.398.000 2.46%
2014 22.191.000 3.57%
2015 22.833.000 2.81%
2016 29.500.000 22.6%
2017 31.412.000 6.09%
2018 32.967.000 4.72%
2019 36.721.000 10.22%
2020 36.672.000 -0.13%
2021 37.864.000 3.15%
2022 40.276.000 5.99%
2023 34.148.000 -17.95%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

First Capital, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

First Capital, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
1999 633.407 100%
2000 3.032.101 79.11%
2001 3.197.793 5.18%
2002 3.554.330 10.03%
2003 4.705.057 24.46%
2004 5.662.764 16.91%
2005 5.701.897 0.69%
2006 5.985.000 4.73%
2007 6.387.000 6.29%
2008 6.592.000 3.11%
2009 8.813.000 25.2%
2010 8.466.000 -4.1%
2011 8.648.000 2.1%
2012 7.907.000 -9.37%
2013 7.143.000 -10.7%
2014 7.661.000 6.76%
2015 7.921.000 3.28%
2016 10.498.000 24.55%
2017 11.215.000 6.39%
2018 11.749.000 4.55%
2019 13.119.000 10.44%
2020 13.808.000 4.99%
2021 14.537.000 5.01%
2022 14.697.000 1.09%
2023 484.000 -2936.57%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

First Capital, Inc. EBITDA
Year EBITDA Growth
1998 8.854.000
1999 3.505.632 -152.57%
2000 13.386.437 73.81%
2001 15.149.961 11.64%
2002 14.511.349 -4.4%
2003 15.218.120 4.64%
2004 15.389.390 1.11%
2005 16.902.682 8.95%
2006 19.102.000 11.51%
2007 19.473.000 1.91%
2008 16.839.000 -15.64%
2009 9.543.000 -76.45%
2010 11.827.000 19.31%
2011 10.191.000 -16.05%
2012 8.704.000 -17.08%
2013 9.689.000 10.17%
2014 9.748.000 0.61%
2015 8.922.000 -9.26%
2016 12.337.000 27.68%
2017 13.160.000 6.25%
2018 13.473.000 2.32%
2019 13.382.000 -0.68%
2020 13.023.000 -2.76%
2021 14.807.000 12.05%
2022 18.899.000 21.65%
2023 14.840.000 -27.35%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

First Capital, Inc. Gross Profit
Year Gross Profit Growth
1998 981.000
1999 2.145.903 54.28%
2000 9.315.292 76.96%
2001 10.793.110 13.69%
2002 11.846.918 8.9%
2003 14.863.548 20.3%
2004 15.657.811 5.07%
2005 16.277.151 3.8%
2006 16.900.000 3.69%
2007 16.910.000 0.06%
2008 18.514.000 8.66%
2009 17.954.000 -3.12%
2010 20.238.000 11.29%
2011 20.600.000 1.76%
2012 20.872.000 1.3%
2013 21.398.000 2.46%
2014 22.191.000 3.57%
2015 22.833.000 2.81%
2016 29.500.000 22.6%
2017 31.412.000 6.09%
2018 32.967.000 4.72%
2019 36.721.000 10.22%
2020 36.672.000 -0.13%
2021 37.864.000 3.15%
2022 40.276.000 5.99%
2023 34.148.000 -17.95%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

First Capital, Inc. Net Profit
Year Net Profit Growth
1998 2.006.000
1999 315.174 -536.47%
2000 2.458.157 87.18%
2001 3.099.243 20.69%
2002 3.248.359 4.59%
2003 3.533.064 8.06%
2004 3.431.382 -2.96%
2005 3.688.247 6.96%
2006 3.708.000 0.53%
2007 3.412.000 -8.68%
2008 3.569.000 4.4%
2009 766.000 -365.93%
2010 3.865.000 80.18%
2011 3.972.000 2.69%
2012 3.922.000 -1.27%
2013 5.074.000 22.7%
2014 5.594.000 9.3%
2015 5.198.000 -7.62%
2016 6.864.000 24.27%
2017 7.439.000 7.73%
2018 9.253.000 19.6%
2019 10.325.000 10.38%
2020 10.131.000 -1.91%
2021 11.424.000 11.32%
2022 11.902.000 4.02%
2023 12.552.000 5.18%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

First Capital, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 1
1999 1 0%
2000 1 0%
2001 1 100%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 1 100%
2011 1 0%
2012 1 0%
2013 2 0%
2014 2 50%
2015 2 -100%
2016 2 50%
2017 2 0%
2018 3 0%
2019 3 33.33%
2020 3 0%
2021 3 0%
2022 4 0%
2023 4 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

First Capital, Inc. Free Cashflow
Year Free Cashflow Growth
1999 492.888
2000 2.573.129 80.84%
2001 3.727.484 30.97%
2002 2.487.131 -49.87%
2003 4.169.826 40.35%
2004 4.896.123 14.83%
2005 5.433.476 9.89%
2006 3.603.000 -50.8%
2007 4.200.000 14.21%
2008 3.449.000 -21.77%
2009 1.467.000 -135.11%
2010 5.379.000 72.73%
2011 8.712.000 38.26%
2012 6.596.000 -32.08%
2013 9.526.000 30.76%
2014 6.389.000 -49.1%
2015 4.901.000 -30.36%
2016 6.248.000 21.56%
2017 12.150.000 48.58%
2018 12.946.000 6.15%
2019 11.104.000 -16.59%
2020 11.458.000 3.09%
2021 21.343.000 46.31%
2022 16.116.000 -32.43%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

First Capital, Inc. Operating Cashflow
Year Operating Cashflow Growth
1999 509.225
2000 2.830.659 82.01%
2001 3.903.293 27.48%
2002 4.027.974 3.1%
2003 5.477.730 26.47%
2004 5.246.828 -4.4%
2005 5.572.674 5.85%
2006 3.673.000 -51.72%
2007 6.270.000 41.42%
2008 5.010.000 -25.15%
2009 2.599.000 -92.77%
2010 5.606.000 53.64%
2011 9.292.000 39.67%
2012 7.358.000 -26.28%
2013 9.823.000 25.09%
2014 6.948.000 -41.38%
2015 6.006.000 -15.68%
2016 8.240.000 27.11%
2017 13.419.000 38.59%
2018 13.348.000 -0.53%
2019 14.077.000 5.18%
2020 12.060.000 -16.72%
2021 21.631.000 44.25%
2022 16.531.000 -30.85%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

First Capital, Inc. Capital Expenditure
Year Capital Expenditure Growth
1999 16.337
2000 257.530 93.66%
2001 175.809 -46.48%
2002 1.540.843 88.59%
2003 1.307.904 -17.81%
2004 350.705 -272.94%
2005 139.198 -151.95%
2006 70.000 -98.85%
2007 2.070.000 96.62%
2008 1.561.000 -32.61%
2009 1.132.000 -37.9%
2010 227.000 -398.68%
2011 580.000 60.86%
2012 762.000 23.88%
2013 297.000 -156.57%
2014 559.000 46.87%
2015 1.105.000 49.41%
2016 1.992.000 44.53%
2017 1.269.000 -56.97%
2018 402.000 -215.67%
2019 2.973.000 86.48%
2020 602.000 -393.85%
2021 288.000 -109.03%
2022 415.000 30.6%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

First Capital, Inc. Equity
Year Equity Growth
1998 28.930.000
1999 17.122.597 -68.96%
2000 31.107.697 44.96%
2001 33.480.665 7.09%
2002 36.329.774 7.84%
2003 43.895.225 17.24%
2004 40.714.342 -7.81%
2005 41.956.713 2.96%
2006 44.089.000 4.84%
2007 45.736.000 3.6%
2008 47.522.000 3.76%
2009 45.944.000 -3.43%
2010 47.893.000 4.07%
2011 50.942.000 5.99%
2012 52.824.000 3.56%
2013 53.227.000 0.76%
2014 57.121.000 6.82%
2015 74.396.000 23.22%
2016 75.730.000 1.76%
2017 80.938.000 6.43%
2018 85.956.000 5.84%
2019 98.948.000 13.13%
2020 110.751.000 10.66%
2021 113.940.000 2.8%
2022 85.270.000 -33.62%
2023 89.262.000 4.47%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

First Capital, Inc. Assets
Year Assets Growth
1998 191.350.000
1999 132.679.969 -44.22%
2000 248.582.132 46.63%
2001 282.823.345 12.11%
2002 308.552.647 8.34%
2003 409.138.382 24.58%
2004 425.302.069 3.8%
2005 438.353.527 2.98%
2006 457.105.000 4.1%
2007 453.179.000 -0.87%
2008 458.625.000 1.19%
2009 455.534.000 -0.68%
2010 452.378.000 -0.7%
2011 438.886.000 -3.07%
2012 459.132.000 4.41%
2013 444.384.000 -3.32%
2014 472.761.000 6%
2015 715.827.000 33.96%
2016 743.658.000 3.74%
2017 758.956.000 2.02%
2018 794.162.000 4.43%
2019 827.496.000 4.03%
2020 1.017.551.000 18.68%
2021 1.156.603.000 12.02%
2022 1.151.400.000 -0.45%
2023 1.142.705.000 -0.76%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

First Capital, Inc. Liabilities
Year Liabilities Growth
1998 162.420.000
1999 115.557.372 -40.55%
2000 217.474.435 46.86%
2001 249.342.680 12.78%
2002 272.222.873 8.4%
2003 365.243.157 25.47%
2004 384.587.727 5.03%
2005 396.396.814 2.98%
2006 413.016.000 4.02%
2007 407.443.000 -1.37%
2008 411.103.000 0.89%
2009 409.478.000 -0.4%
2010 404.374.000 -1.26%
2011 387.833.000 -4.26%
2012 406.196.000 4.52%
2013 391.045.000 -3.87%
2014 415.528.000 5.89%
2015 641.319.000 35.21%
2016 667.816.000 3.97%
2017 677.906.000 1.49%
2018 708.206.000 4.28%
2019 210.000 -337140.95%
2020 153.000 -37.25%
2021 97.000 -57.73%
2022 1.066.130.000 99.99%
2023 0 0%

First Capital, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
12.24
Net Income per Share
3.95
Price to Earning Ratio
7.11x
Price To Sales Ratio
2.3x
POCF Ratio
7.97
PFCF Ratio
8.25
Price to Book Ratio
1.05
EV to Sales
1.53
EV Over EBITDA
2.33
EV to Operating CashFlow
5.32
EV to FreeCashFlow
5.5
Earnings Yield
0.14
FreeCashFlow Yield
0.12
Market Cap
0,09 Bil.
Enterprise Value
0,06 Bil.
Graham Number
48.67
Graham NetNet
141.89

Income Statement Metrics

Net Income per Share
3.95
Income Quality
1.17
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.85
EBT Per Ebit
1.23
Ebit per Revenue
0.28
Effective Tax Rate
0.15

Margins

Sales, General, & Administrative to Revenue
0.28
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.98
Operating Profit Margin
0.28
Pretax Profit Margin
0.35
Net Profit Margin
0.29

Dividends

Dividend Yield
0.04
Dividend Yield %
3.84
Payout Ratio
0.2
Dividend Per Share
1.08

Operating Metrics

Operating Cashflow per Share
3.53
Free CashFlow per Share
3.41
Capex to Operating CashFlow
-0.03
Capex to Revenue
-0.01
Capex to Depreciation
-0.5
Return on Invested Capital
0.25
Return on Tangible Assets
0.01
Days Sales Outstanding
38.48
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
9.48
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.11

Balance Sheet

Cash per Share
140,92
Book Value per Share
26,65
Tangible Book Value per Share
339.51
Shareholders Equity per Share
26.65
Interest Debt per Share
1.98
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
-1.17
Current Ratio
0
Tangible Asset Value
1,14 Bil.
Net Current Asset Value
0,46 Bil.
Invested Capital
0
Working Capital
0,46 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

First Capital, Inc. Dividends
Year Dividends Growth
1999 1
2000 0 0%
2001 0 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%

First Capital, Inc. Profile

About 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. 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.

CEO
Mr. Michael Chris Frederick
Employee
184
Address
220 Federal Drive, NW
Corydon, 47112

First Capital, Inc. Executives & BODs

First Capital, Inc. Executives & BODs
# Name Age
1 Mr. Michael Chris Frederick
Chief Executive Officer, President & Director
70
2 Ms. Jennifer A. Meredith
Corporate Secretary
70
3 Mr. Joseph D. Mahuron
Chief Credit Officer
70
4 Mr. Jeff Thomas
Director of Business Development & Director of Business Development of First Harrison Bank
70
5 Mr. Joshua P. Stevens CPA
Chief Financial Officer
70

First Capital, Inc. Competitors