YOLFTbeta
First Capital Inc

First Capital Inc

FCAP · NASDAQ · Financial Services / Banks - Regional

65.03USD-0.97 (-1.47%)

Price History

Full chart

Market Stats

Previous Close66.00
Open65.75
Day Range65.00 – 66.49
52-Week Range36.83 – 69.84
Volume16.10K
Market Cap204.52M
P/E (TTM)11.08
Forward P/E9.60
EPS5.52
Dividend Yield2.07%
Beta0.73
50-Day Avg62.82
200-Day Avg57.73

About

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. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it provides various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; unsecured consumer loans; and loans secured by savings deposits. Additionally, the company invests in mortgage-backed securities and collateralized mortgage obligations. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Michael Chris Frederick
  • Employees176
  • Headquarters220 Federal Drive, N.W., Corydon, IN, United States, 47112, USA
  • Websitehttps://www.firstharrison.com

Leadership

  • Mr. Michael Chris FrederickCEO, President & Director · b. 1968
  • Mr. Joshua P. Stevens CPAExecutive VP, CFO & Treasurer
  • Mr. Joseph D. MahuronChief Credit Officer · b. 1971
  • Ms. Jennifer S. IncantalupoChief Information Officer
  • Terri VorbrinkCorporate Secretary, HR & Administration Officer
  • Jeff HayesDirector of Business Development

Financials

Income Statement

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue981.00K16.13M18.58M20.67M20.65M23.58M24.77M26.66M29.68M30.61M29.26M26.34M25.74M24.32M23.34M23.05M23.34M23.68M31.12M32.80M34.58M38.68M38.23M39.01M41.87M51.24M58.13M65.31M
Growth (%)-+1544.42%+15.19%+11.21%-0.08%+14.19%+5.07%+7.61%+11.34%+3.12%-4.41%-9.97%-2.29%-5.50%-4.06%-1.23%+1.23%+1.46%+31.44%+5.41%+5.41%+11.87%-1.16%+2.03%+7.32%+22.38%+13.45%+12.36%
Cost of Revenue-7.71M9.31M9.91M9.11M9.44M9.63M10.91M13.55M14.26M12.31M12.68M7.54M5.58M3.99M2.38M1.33M1.05M2.41M2.31M2.78M3.38M3.36M803.00K2.54M10.16M16.13M15.84M
Gross Profit981.00K8.42M9.27M10.79M11.54M14.14M15.15M15.75M16.13M16.35M16.94M13.66M18.20M18.74M19.35M20.67M22.00M22.62M28.71M30.50M31.80M35.30M34.87M38.21M39.32M41.08M42.00M49.47M
Gross Margin100.00%52.22%49.87%52.23%55.90%59.96%61.14%59.09%54.35%53.42%57.91%51.88%70.71%77.04%82.90%89.68%94.28%95.55%92.26%92.97%91.96%91.25%91.21%97.94%93.92%80.17%72.25%75.75%
Operating Expense4.47M5.57M5.63M5.98M6.53M8.74M9.92M10.15M10.55M11.35M11.85M13.47M12.76M13.21M13.85M13.33M14.08M15.45M19.31M19.94M21.14M22.97M23.04M24.53M25.09M26.03M27.83M29.56M
Operating Income-3.49M2.85M3.64M4.81M5.01M5.40M5.23M5.60M5.58M5.00M5.10M192.00K5.44M5.53M5.49M7.34M7.92M7.17M9.40M10.55M10.66M12.32M11.84M13.68M14.23M15.05M14.17M19.91M
Operating Margin-355.96%17.66%19.58%23.29%24.27%22.92%21.11%21.01%18.80%16.34%17.42%0.73%21.13%22.73%23.54%31.85%33.94%30.31%30.21%32.18%30.83%31.86%30.96%35.06%34.00%29.38%24.38%30.48%
EBITDA12.15M3.42M4.12M5.31M5.71M6.50M6.27M6.56M6.36M5.77M5.98M1.17M6.34M6.44M6.25M8.05M8.62M7.93M10.59M11.78M11.88M13.39M13.04M14.82M15.30M16.08M15.27M21.00M
EBITDA Margin1238.12%21.19%22.17%25.68%27.65%27.58%25.32%24.61%21.43%18.86%20.45%4.43%24.62%26.49%26.79%34.92%36.93%33.50%34.02%35.91%34.34%34.63%34.10%37.99%36.56%31.38%26.26%32.15%
Net Income2.01M1.77M2.46M3.10M3.25M3.53M3.43M3.69M3.71M3.41M3.57M766.00K3.87M3.97M3.92M5.07M5.59M5.20M6.86M7.44M9.25M10.32M10.13M11.42M11.90M12.79M11.94M16.37M
Net Income Margin204.49%10.97%13.23%15.00%15.73%14.98%13.85%13.83%12.49%11.15%12.20%2.91%15.02%16.33%16.81%22.01%23.97%21.96%22.06%22.68%26.76%26.69%26.50%29.28%28.43%24.96%20.54%25.06%
R&D-------------00000000-------
R&D as % of Total Revenue-------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense6.85M7.57M9.27M9.84M8.80M8.71M9.12M10.34M12.74M13.70M10.74M8.39M5.50M3.76M2.46M1.65M1.14M1.00M1.76M1.39M1.61M1.96M1.56M1.13M1.59M9.02M14.68M14.70M
Interest Expense % of Total Revenue698.06%46.90%49.87%47.63%42.63%36.96%36.80%38.80%42.93%44.75%36.72%31.84%21.38%15.46%10.56%7.17%4.90%4.24%5.67%4.24%4.66%5.07%4.08%2.89%3.81%17.60%25.26%22.50%

Balance Sheet

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets191.35M222.80M248.58M282.82M308.55M409.14M425.30M438.35M457.11M453.18M458.63M455.53M452.38M438.89M459.13M444.38M472.76M715.83M743.66M758.96M794.16M827.50M1.02B1.16B1.15B1.16B1.19B1.27B
Total Liabilities162.42M193.92M217.47M249.34M272.22M365.24M384.59M396.40M413.02M407.44M411.10M409.48M404.37M387.83M406.20M391.05M415.53M641.32M667.82M677.91M708.21M728.55M906.80M1.04B1.07B1.05B1.07B1.13B
Total Equity28.93M28.88M31.11M33.48M36.33M43.90M40.71M41.96M44.09M45.74M47.52M45.94M47.89M50.94M52.82M53.23M57.12M74.40M75.73M80.94M85.84M98.84M110.64M113.83M85.16M105.23M114.60M137.80M
Cash2.60M9.52M11.47M12.38M12.65M13.56M16.37M14.40M24.16M14.66M21.25M15.86M12.96M11.32M13.25M14.95M22.79M35.05M35.44M29.47M26.82M28.82M41.55M32.27M32.73M27.10M108.61M138.76M
Total Debt5.25M16.75M30.07M43.11M53.78M60.76M65.73M90.14M78.69M76.26M52.38M32.73M33.07M30.60M19.19M24.12M---10.00M--77.00K60.00K42.00K21.50M4.00K3.00K
Net Debt5.25M7.23M18.61M30.73M41.12M47.20M49.37M75.73M54.53M61.60M31.13M16.87M20.11M19.28M5.94M9.17M-22.79M-35.05M-35.51M-19.47M-26.82M-28.82M-41.55M-32.27M-32.73M-5.60M-108.61M-138.76M

Cash Flow

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.10M2.13M2.83M3.90M4.04M5.48M5.25M5.57M3.67M6.27M5.01M2.60M5.61M9.29M7.36M9.82M6.91M6.01M8.24M13.42M13.35M14.08M12.06M21.63M16.53M14.16M22.34M21.28M
Investing Cash Flow-29.00M-31.67M-24.97M-33.29M-26.09M-6.83M-13.88M-18.25M-7.85M-7.78M530.00K-5.36M6.75M6.76M-20.01M-3.34M-5.57M54.96M-96.25M-40.42M-22.10M-21.11M-62.41M-156.46M-144.03M-23.95M29.01M-41.83M
Financing Cash Flow27.90M30.45M22.33M30.56M21.47M6.93M12.50M9.92M13.97M-7.91M1.55M-3.54M-6.64M-18.71M15.54M-17.16M20.76M13.00M24.62M7.01M23.95M17.28M174.88M131.45M21.29M-17.84M15.90M51.92M
Capital Expenditure1.30M1.59M257.53K175.81K1.54M1.31M350.70K139.00K70.00K2.07M1.56M1.13M227.00K580.00K762.00K297.00K559.00K1.10M1.99M1.27M402.00K2.97M602.00K288.00K415.00K627.00K717.00K1.35M
Free Cash Flow-200.00K542.28K2.57M3.73M2.50M4.17M4.90M5.43M3.60M4.20M3.45M1.47M5.38M8.71M6.60M9.53M6.35M4.90M6.25M12.15M12.95M11.10M11.46M21.34M16.12M13.54M21.63M19.93M
Dividends Paid300.00K909.52K1.02M1.19M1.30M1.52M1.64M1.59M1.83M1.91M1.99M2.00M2.08M2.13M2.13M2.24M2.33M2.45M2.82M2.88M3.10M3.21M3.25M3.52M3.52M3.63M3.77M4.04M
FCF to OCF-18.18%25.47%90.90%95.50%61.88%76.12%93.32%97.51%98.09%66.99%68.84%56.44%95.95%93.76%89.64%96.98%91.91%81.60%75.83%90.54%96.99%78.88%95.01%98.67%97.49%95.57%96.79%93.65%
Dividend Paid to FCF-150.00%167.72%39.55%32.03%51.82%36.46%33.40%29.22%50.87%45.50%57.55%136.26%38.61%24.45%32.29%23.53%36.61%49.97%45.09%23.73%23.95%28.90%28.41%16.50%21.84%26.85%17.42%20.24%

Earnings

Report DateMar 31, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002May 2, 2003Jul 23, 2003Oct 21, 2003Jan 22, 2004Apr 21, 2004Jul 23, 2004Oct 28, 2004Jan 18, 2005Apr 21, 2005Jul 21, 2005Oct 28, 2005Jan 18, 2006Apr 19, 2006Jul 21, 2006Oct 20, 2006Jan 26, 2007Apr 27, 2007Jul 24, 2007Nov 2, 2007Feb 1, 2008Apr 25, 2008Jul 25, 2008Oct 21, 2008Jan 23, 2009Apr 24, 2009Jul 24, 2009Oct 23, 2009Jan 29, 2010Apr 23, 2010Jul 26, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Apr 27, 2017Jul 28, 2017Nov 1, 2017Jan 29, 2018Apr 26, 2018Jul 27, 2018Oct 31, 2018Jan 29, 2019Apr 24, 2019Jul 24, 2019Oct 18, 2019Jan 23, 2020Apr 23, 2020Jul 23, 2020Oct 16, 2020Jan 25, 2021Apr 26, 2021Jul 26, 2021Oct 22, 2021Jan 27, 2022Apr 26, 2022Jul 21, 2022Nov 1, 2022Jan 26, 2023Apr 28, 2023Jul 28, 2023Oct 27, 2023Feb 21, 2024Apr 26, 2024Jul 26, 2024Oct 25, 2024Jan 24, 2025Apr 25, 2025Jul 24, 2025Oct 24, 2025Jan 23, 2026Apr 24, 2026Jul 24, 2026Oct 23, 2026
EPS Estimate-----------------------------------------------------------------------------------------------------0.00---
EPS Actual0.190.180.220.230.260.290.280.290.280.300.260.320.290.300.270.280.280.290.300.310.340.350.330.330.300.350.260.310.320.320.320.320.290.350.29-0.150.000.130.360.350.350.320.340.390.370.330.370.260.450.430.430.510.440.470.550.560.460.530.450.510.380.470.530.530.520.460.460.660.630.560.640.630.760.750.640.860.870.720.630.730.820.850.880.820.880.840.750.810.931.051.140.820.940.930.880.850.870.970.971.131.341.461.301.43-
Surprise---------------------------------------------------------------------------------------------------------
Timing-------------------------------------------------------------------------------------After-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap204.52M
Enterprise Value53.59M
Trailing P/E11.08
Forward P/E9.60
PEG Ratio0.00
Price / Sales3.84
Price / Book1.44
EPS5.52
Book Value42.60
Revenue (TTM)53.24M
Gross Profit (TTM)53.24M
Profit Margin34.65%
Operating Margin43.37%
Return on Equity13.89%
Return on Assets1.46%
Shares Outstanding3.34M
Shares Float3.18M
Beta0.73
Dividend Yield2.07%
Dividend Rate1.28
Payout Ratio22.63%

Ownership Breakdown

Institutions
27.81%
Insiders
4.14%
Retail / Other
68.05%

Top Institutional Holders

  • BlackRock Inc
    174.01K5.20%
  • Vanguard Capital Management, LLC
    149.42K4.47%
  • Geode Capital Management, LLC
    80.51K2.41%
  • Siena Capital Management, LLC
    65.42K1.96%
  • State Street Corp
    46.36K1.39%
  • Bridgeway Capital Management, LLC
    35.89K1.07%
  • HighTower Advisors, LLC
    28.13K0.84%
  • Dimensional Fund Advisors, Inc.
    25.19K0.75%
  • Northern Trust Corp
    23.92K0.72%
  • Vanguard Fiduciary Trust Co
    20.63K0.62%
  • Empowered Funds, LLC
    19.45K0.58%
  • Vanguard Portfolio Management, LLC
    18.84K0.56%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    100.89K3.02%
  • iShares Russell 2000 ETF
    83.06K2.48%
  • Fidelity Small Cap Index
    36.40K1.09%
  • iShares Russell 2000 Value ETF
    29.59K0.88%
  • EA Bridgeway Omni Small-Cap Value ETF
    20.54K0.61%
  • Vanguard Russell 2000 ETF
    19.02K0.57%
  • Fidelity Extended Market Index
    16.91K0.51%
  • Bridgeway Omni Small-Cap Value N
    15.04K0.45%

Dividends

20263×
0.32Sep 11, 20260.31Jun 12, 20260.31Mar 13, 2026
20254×
0.31Dec 12, 20250.31Sep 12, 20250.29Jun 13, 20250.29Mar 14, 2025
20244×
0.29Dec 13, 20240.29Sep 13, 20240.27Jun 14, 20240.27Mar 14, 2024
20234×
0.27Dec 14, 20230.27Sep 14, 20230.27Jun 15, 20230.27Mar 16, 2023
20224×
0.26Dec 15, 20220.26Sep 15, 20220.26Jun 15, 20220.26Mar 16, 2022
20214×
0.26Dec 15, 20210.26Sep 15, 20210.26Jun 15, 20210.26Mar 15, 2021
20201×
0.24Dec 15, 2020

Stock Splits

  • Jul 17, 200611:10