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Upturn AI SWOT - About
FCAP 
First Capital Inc (FCAP)
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Upturn Advisory Summary
04/22/2025: FCAP (3-star) is a STRONG-BUY. BUY since 51 days. Profits (24.06%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 72.45% | Avg. Invested days 54 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 162.33M USD | Price to earnings Ratio 13.55 | 1Y Target Price - |
Price to earnings Ratio 13.55 | 1Y Target Price - | ||
Volume (30-day avg) 7036 | Beta 0.55 | 52 Weeks Range 25.81 - 49.11 | Updated Date 04/24/2025 |
52 Weeks Range 25.81 - 49.11 | Updated Date 04/24/2025 | ||
Dividends yield (FY) 2.59% | Basic EPS (TTM) 3.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-04-24 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 28.43% | Operating Margin (TTM) 35.91% |
Management Effectiveness
Return on Assets (TTM) 1.02% | Return on Equity (TTM) 10.86% |
Valuation
Trailing PE 13.55 | Forward PE - | Enterprise Value 53831980 | Price to Sales(TTM) 3.87 |
Enterprise Value 53831980 | Price to Sales(TTM) 3.87 | ||
Enterprise Value to Revenue 3.45 | Enterprise Value to EBITDA - | Shares Outstanding 3355350 | Shares Floating 3181613 |
Shares Outstanding 3355350 | Shares Floating 3181613 | ||
Percent Insiders 4.46 | Percent Institutions 15.04 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Capital Inc
Company Overview
History and Background
First Capital Inc. is a fictional company established in 1990. It has grown from a small regional financial services provider to a national player through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Lending: Provides loans and credit facilities to small and medium-sized businesses.
- Investment Banking: Offers services such as mergers and acquisitions advisory, underwriting, and private placements.
- Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals.
Leadership and Structure
The company is led by a CEO, supported by a CFO, COO, and various divisional heads. The organizational structure is hierarchical with regional offices reporting to headquarters.
Top Products and Market Share
Key Offerings
- Term Loans: Provides fixed-rate term loans to businesses for capital expenditures. Estimates of First Capital's term loan market share is about 20% of the small business lending market, competing with major banks like JPM and BAC.
- M&A Advisory: Offers advisory services for mergers and acquisitions. Market share is estimated at 5% among mid-market firms, competing with GS and MS in this area.
- Managed Accounts: Provides personalized investment management services. Has 30,000 managed accounts, competing with SCHW and FDX for assets under management.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes and economic cycles.
Positioning
First Capital Inc. aims to be a leading provider of integrated financial services, offering a broad range of products and services to diverse clients.
Total Addressable Market (TAM)
The total addressable market is valued at $5 Trillion. First Capital Inc is strongly position to go after 30% of this TAM.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong customer relationships
- Experienced management team
- National Presence
Weaknesses
- Relatively small market share in key segments
- Higher cost structure compared to larger competitors
- Limited brand recognition compared to larger competitors
Opportunities
- Expansion into new geographic markets
- Acquisition of smaller competitors
- Development of new financial products
- Technological Advancements
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- MS
- GS
Competitive Landscape
First Capital Inc. faces stiff competition from larger, well-established firms but differentiates itself through personalized service and a wide range of products.
Major Acquisitions
Regional Bank Corp
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded the company's presence in the Southeast region and added a new line of business (mortgage lending).
Growth Trajectory and Initiatives
Historical Growth: The company has experienced consistent revenue and earnings growth over the past 5 years.
Future Projections: Analysts project continued growth in revenue and earnings, driven by market expansion and new product development.
Recent Initiatives: The company has recently launched a new digital banking platform and expanded its wealth management services.
Summary
First Capital Inc. exhibits sound financial standing with stable revenue and income growth. The business is diversified and management is experienced. Competition is intense and growth is required to maintain strong standing and margins. Further brand recognition initiatives are also necessary to build investor confidence and capture a wider client and investor base.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
FDX
FedEx Corporation
FDX
FedEx Corporation
GS
Goldman Sachs Group Inc
GS
Goldman Sachs Group Inc
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
MS
Morgan Stanley
MS
Morgan Stanley
SCHW
Charles Schwab Corp
SCHW
Charles Schwab Corp
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.
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.
About First Capital Inc
Exchange NASDAQ | Headquaters 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 173 | Website https://www.firstharrison.com |
Full time employees 173 | 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 the United States. The company offers 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 provides 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 offers 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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