Accessibility Menu
First Capital logo

First Capital(NASDAQ) FCAP

Current Price$61.07
Market Cap$203.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+1,660%
5 Year+62%
1 Year+66%
1 Month-8%
First Capital last closing stock price
MetricPriceDate
Last closeUSD 60.722026-07-24
First Capital stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.91%USD 61.282026-07-17
1 month-7.71%USD 65.792026-06-24
3 month+13.45%USD 53.522026-04-24
Year to date+3.75%USD 58.532025-12-31
1 year+66.21%USD 36.532025-07-24
3 year+86.45%USD 32.572023-07-25
5 year+62.21%USD 37.432021-07-23
Since inception+1,659.94%USD 3.451999-01-04

First Capital Financials at a Glance

Market Cap

$203.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$68.86M

Net Income (TTM)

$18.45M

EPS (TTM)

$5.52

P/E Ratio

11.63

Dividend

$1.24

Beta (Volatility)

0.18 (Low)

Price

$61.07

Volume

146

Open

$60.50

Previous Close

$61.07

Daily Range

$59.55 - $61.07

52-Week Range

$33.73 - $71.00

Estimated Earnings Date

Oct 23, 2026

FCAP News

Foolcom-Featured.png

First Capital EPS Jumps 33% in Q2

Motley Fool Markets TeamJul 30, 2025

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About First Capital

First Capital helps people and businesses manage money and get loans. Its checking accounts make daily payments easy for families.

Money Moves: Products and Services

  • Deposit Accounts: Checking, savings, and retirement accounts for individuals and businesses (no revenue split disclosed).
  • Real Estate Loans: Mortgages and construction loans for homes and commercial properties (31.2% of loans in commercial real estate).
  • Commercial Loans: Loans for business needs, like equipment or inventory (9.4% of loans).
  • Consumer Loans: Car, boat, and personal loans for everyday purchases (8.4% of loans).
  • Investment and Digital Services: Non-deposit investment products, online banking, and mobile banking (revenue not separately disclosed).

Branching Out: Growth and Expansion

  • Expanded commercial real estate and business lending focus since 2010.
  • Increased mortgage loan sales in the secondary market, with $41.8M originated for sale in 2025.
  • Invested in digital banking and technology upgrades over the past five years.
  • Maintained steady branch network in Indiana and Kentucky, now at 18 locations.
  • Active share repurchase program since 2008, with 12,039 shares repurchased in Q4 2025.

Why First Capital Stands Out

First Capital focuses on local markets, building strong community ties. Its conservative lending and risk management help keep loan losses low. Technology investments support efficient service and customer convenience.

Five Things You Need to Know

  • Revenue was $17M in Q4 2025, up 13% from Q4 2024.
  • Net income reached $6M in Q4 2025, up 47.4% year-over-year.
  • Deposits totaled $1.12B as of December 31, 2025, all domestic.
  • Return on average equity was 13.18% in 2025, up from 10.97% in 2024.
  • Nonperforming loans were $4.4M, or 0.65% of gross loans, at year-end 2025.

Bottom Line

First Capital has evolved from a local thrift to a diversified community bank. Its steady growth and focus on risk management support long-term stability.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

176

CEO

Michael Chris Frederick

Website

www.firstharrison.com

Headquarters

Corydon, IN 47112, US

FCAP Financials

Key Financial Metrics (TTM)

Gross Margin

77.32%

Operating Margin

33.03%

Net Income Margin

26.79%

Return on Equity

13.89%

Return on Capital

14.45%

Return on Assets

1.44%

Earnings Yield

8.60%

Dividend Yield

2.04%

Payout Ratio

22.22%

Stock Overview

Market Cap

$203.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

3.35M

Volume

146

Avg. Volume

8.05K

Financials (TTM)

Gross Profit

$53.24M

Operating Income

$22.75M

EBITDA

$23.55M

Operating Cash Flow

$23.24M

Capital Expenditure

-$967.00K

Free Cash Flow

$22.27M

Cash & ST Invst.

$409.64M

Total Debt

$0.00

First Capital Performance Analysis

First Capital annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 42,281,0009.4%
20232023-12-31USD 51,444,00021.7%
20242024-12-31USD 58,501,00013.7%
20252025-12-31USD 65,163,00011.4%
First Capital sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.6%
Q42025-12-310.8%
Q12026-03-31-0.7%
Q22026-06-305.0%
First Capital annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.553.9%
20232023-12-31USD 3.827.7%
20242024-12-31USD 3.57-6.6%
20252025-12-31USD 4.8937.0%
First Capital sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3018.6%
Q42025-12-319.0%
Q12026-03-31-11.0%
Q22026-06-3010.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$17.83M

+11.0%

Gross Profit

$13.87M

+14.4%

Gross Margin

77.79%

N/A

Market Cap

$203.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.15M

N/A

Employees

176

N/A

Net Income

$4.76M

+26.1%

EBITDA

$6.01M

+22.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$409.64M

-19.8%

Total Debt

$0.00

N/A

Accounts Receivable

$4.92M

+7.9%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

1.44%

N/A

Return on Invested Capital

15.64%

N/A

Free Cash Flow

$5.85M

+40.4%

Operating Cash Flow

$6.34M

+44.5%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
FNWDFinward Bancorp
$44.61+0.02%
LARKLandmark Bancorp, Inc.
$31.54+2.07%
CFBKCF Bankshares Inc.
$33.44+2.36%
EBMTEagle Bancorp Montana, Inc.
$23.37+2.50%

Trending Stocks

Symbol / CompanyPricePrice Chg
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x Shares
$7.42-0.04%
ONDSOndas
$7.80-0.02%
SOFISoFi Technologies
$16.46-0.01%
FFord Motor Company
$14.37+0.02%

Questions About FCAP

What is the current price of First Capital?

First Capital is trading at $61.07 per share.

What is the 52-week range for First Capital?

Over the past 52 weeks, First Capital has traded between $33.73 and $71.00.

How much debt does First Capital have?

As of the most recent reporting period, First Capital reported total debt of $0.00.

How much cash does First Capital have on hand?

First Capital does not have cash on hand data available.

What is First Capital’s dividend yield?

First Capital currently has a dividend yield of 2.04%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services