First Capital Inc
Research First Capital Inc (FCAP) on Bullrun: valuation model: 3.5% overvalued, market cap USD 207.54M, P/E 11.2, dividend yield 2.0%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerFCAP
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal3.5% overvalued
- Market capUSD 207.54M
- P/E11.2
- Dividend yield2.0%
- Financial periodQ1 2026
- RevenueUSD 13.47M
- Net incomeUSD 4.33M
- Free cash flowUSD 5.85M
Valuation Snapshot
Bullrun's latest valuation model marks First Capital Inc as 3.5% overvalued; latest market cap is USD 207.54M; P/E is 11.2; dividend yield is 2.0%.
Peer valuation comparison
Latest P/E is 11.24x versus a Financial Services sector median of 13.84x (18.8% below).
Latest dividend yield is 1.99% versus a Financial Services sector median of 3.86% (48.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 7.17M | USD 16.37M | USD 19.93M | n/a | 4.89 | USD 138.76M | USD 0 | USD 137.80M |
| FY2024 | USD 7.06M | USD 11.94M | USD 21.63M | n/a | 3.57 | USD 108.61M | USD 0 | USD 114.60M |
| FY2023 | USD 7.01M | USD 12.79M | USD 13.54M | n/a | 3.82 | USD 27.10M | USD 21.50M | USD 105.23M |
| FY2022 | USD 7.15M | USD 11.90M | USD 16.12M | n/a | 3.55 | USD 36.44M | n/a | USD 85.16M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 207.54M | 11.2 | 2.0% | 1.24 |
| 2025 | 2025-12-31 | USD 197.84M | 12.1 | 2.0% | 1.2 |
| 2024 | 2024-12-31 | USD 108.09M | 9.0 | 3.5% | 1.12 |
| 2023 | 2023-12-29 | USD 93.48M | 7.1 | 3.9% | 1.08 |
| 2022 | 2022-12-30 | USD 83.95M | 7.5 | 4.2% | 1.04 |
| 2021 | 2021-12-31 | USD 136.61M | 11.9 | 2.6% | 1.04 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.24 USD, yield 2.0%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.2 USD |
| FY2024 | 1.12 USD |
| FY2023 | 1.08 USD |
| FY2022 | 1.04 USD |
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 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;
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Frequently asked questions
Is First Capital Inc overvalued or undervalued?
Bullrun's valuation model currently marks First Capital Inc as 3.5% overvalued.
What is First Capital Inc's market cap?
First Capital Inc's market capitalization is USD 207.54M.
What is First Capital Inc's P/E ratio?
First Capital Inc's price-to-earnings (P/E) ratio is 11.2.
Does First Capital Inc pay a dividend?
First Capital Inc has a dividend yield of 2.0%.
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 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.