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Upturn AI Summary - About
First Capital Inc(FCAP)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FCAP
10/02/2026: FCAP (4-star) is currently NOT-A-BUY. Pass it for now.
First Capital Inc is a regional bank holding company that provides community-focused banking services to clients in Kentucky. The company's primary strength lies in its stable, relationship-driven business model and long-term standing in the local market. Its core investment story centers on steady, interest-rate-dependent revenue growth and a commitment to shareholder dividends. Key risks include intense competition from larger financial institutions, regional economic sensitivity, and the potential for margin compression in shifting interest rate environments. This stock is generally best suited for value and dividend-focused investors, with ongoing developments in digital strategy and local economic health being key factors to monitor.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature, slow-growth industry that relies more on stability than rapid scaling. |
| Momentum investor | Mixed fit | This stock generally lacks the high-volatility price trends favored by pure momentum strategies. |
| Value investor | Strong fit | Regional banks often trade on fundamental valuation metrics like P/B and P/E ratios, making them suitable for value-oriented portfolios. |
| Dividend investor | Strong fit | First Capital Inc may be attractive to income-focused investors looking for steady, recurring dividend payments from a regulated institution. |
| Low-risk investor | Mixed fit | While established, banking stocks are subject to economic cyclicality and interest rate risk which can increase volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stock prices can be sensitive to macroeconomic data, interest rate changes, and sector-specific sentiment. |
| Valuation risk | Medium | The stock's valuation is tied closely to book value and earnings, which can be pressured during periods of rising defaults. |
| Competition risk (banking) | High | Intense competition from larger banks with lower costs of capital can limit the bank's pricing power. |
| Business quality | Medium | The business relies on traditional interest rate spreads, which are structurally limited in the current market environment. |
| Dividend income | Medium | Dividends are dependent on the bank's ability to remain profitable and maintain regulatory capital requirements. |
| Execution risk | Low | As a smaller, established institution, the operational model is well-understood and stable. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 84.96% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 207.37M USD | Price to earnings Ratio 11.23 | 1Y Target Price - |
Price to earnings Ratio 11.23 | 1Y Target Price - | ||
Volume (30-day avg) 21.2K shares | Beta 0.73 | 52 Weeks Range 36.83 - 69.84 | Updated Date 10/02/2026 |
52 Weeks Range 36.83 - 69.84 | Updated Date 10/02/2026 | ||
Dividends yield (FY) 2.01% | Basic EPS (TTM) 5.52 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on customer deposits. | The bank earns most of its money from the difference between the interest it charges borrowers and what it pays savers. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.23 | Forward PE 9.6 | Enterprise Value 56.43M | Price to Sales(TTM) 3.9 |
Enterprise Value 56.43M | Price to Sales(TTM) 3.9 | ||
Enterprise Value to Revenue 3.77 | Enterprise Value to EBITDA - | Shares Outstanding 3.34M | Shares Floating 3.18M |
Shares Outstanding 3.34M | Shares Floating 3.18M | ||
Percent Insiders 4.14 | Percent Institutions 27.81 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About First Capital Inc
Exchange NASDAQ | Headquarters Corydon, IN, United States | ||
IPO Launch date 1999-01-04 | CEO, President & Director Mr. Michael Chris Frederick | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 176 | Website https://www.firstharrison.com |
Full time employees 176 | Website https://www.firstharrison.com | ||
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.
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