First Capital

NAQ:FCAP · US31942S1042

BanksX-Small

360

Medium confidence — indicative

Value22

Profit price55

Cash yield1

Sales & asset price40

Price/Sales26

EV / Gross Profit87

Price/Book8

Quality93

Returns on capital92

Profit margins—

Cash backing68

Cash Conversion67

Accruals50

Owner Earnings Margin86

Growth59

Sales growth65

Profit growth69

Profit Growth66

Owner Earnings Growth71

Reinvestment67

Price momentum88

Safety52

Debt load96

Debt serviceability9

Liquidity96

Sentiment48

Analyst ratings—

Expectations trend—

Market mood1

Value Creation20/20strong value creator

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

First Capital generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeX-Small

TypePublic Company

ExchangeNASDAQCM

Founded1998

ISINUS31942S1042

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Themes

Consumer Lending

Description

First Capital, Inc. operates as the bank holding company for First Harrison Bank (the ‘bank’) that provides a variety of banking services to individuals and business customers in Indiana and Kentucky. Market Area The company considers Harrison, Flo…

Analysis

Beloved champion

First Capital, Inc. sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.6×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

20232026

All-time high

Jan 2023

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →