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FCAP 
First Capital Inc (FCAP)
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Upturn Advisory Summary
12/02/2025: FCAP (3-star) is a STRONG-BUY. BUY since 8 days. Simulated Profits (8.89%). 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 90.29% | Avg. Invested days 44 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 138.88M USD | Price to earnings Ratio 11.31 | 1Y Target Price - |
Price to earnings Ratio 11.31 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.69 | 52 Weeks Range 28.09 - 53.51 | Updated Date 06/29/2025 |
52 Weeks Range 28.09 - 53.51 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.79% | Basic EPS (TTM) 3.66 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.51% | Operating Margin (TTM) 35.25% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 10.83% |
Valuation
Trailing PE 11.31 | Forward PE - | Enterprise Value 19675060 | Price to Sales(TTM) 3.24 |
Enterprise Value 19675060 | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 3.15 | Enterprise Value to EBITDA - | Shares Outstanding 3355350 | Shares Floating 3196745 |
Shares Outstanding 3355350 | Shares Floating 3196745 | ||
Percent Insiders 4.02 | Percent Institutions 16.59 |
Upturn AI SWOT
First Capital Inc
Company Overview
History and Background
First Capital Inc (FCPT) is a real estate investment trust (REIT) specializing in single-tenant net-leased retail properties. Founded in 2003 and headquartered in Charlotte, North Carolina, FCPT focuses on acquiring and managing properties leased to creditworthy tenants operating in the discount, grocery, and service-oriented retail sectors. It was listed on the New York Stock Exchange in 2015.
Core Business Areas
- Net-Leased Retail: Focuses on acquiring and managing a diversified portfolio of single-tenant net-leased retail properties. These properties are typically leased to national and regional retailers under long-term net leases, where the tenant is responsible for property taxes, insurance, and maintenance.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives with experience in real estate and finance. The organizational structure is typical of a REIT, with departments dedicated to acquisitions, asset management, finance, and investor relations.
Top Products and Market Share
Key Offerings
- Net-Leased Properties: FCPT's primary 'product' is its portfolio of net-leased retail properties. The company's revenue is driven by the rental income generated from these properties. There is limited directly reported revenue for the entire portfolio. Competitors include Realty Income (O), National Retail Properties (NNN) and Agree Realty Corp (ADC).
Market Dynamics
Industry Overview
The net-leased retail sector is influenced by macroeconomic conditions, interest rates, and retail trends. The sector has grown significantly in recent years, driven by demand for stable income-generating assets. Interest rate changes significantly impact REIT valuations.
Positioning
FCPT positions itself as a focused operator in the net-leased retail space, targeting properties leased to creditworthy tenants in recession-resilient industries. This focus reduces risk and provides a stable income stream.
Total Addressable Market (TAM)
The net lease real estate market is estimated at hundreds of billions of dollars globally. FCPT's TAM consists of single-tenant net-leased retail properties in the US. FCPT, with its focused approach, captures a smaller niche within the larger net lease market.
Upturn SWOT Analysis
Strengths
- Focused strategy on net-leased retail
- Portfolio diversification by tenant and geography
- Long-term net leases providing stable income
- Experienced management team
Weaknesses
- Exposure to interest rate risk
- Reliance on tenant financial health
- Smaller market capitalization compared to peers
- Limited geographic diversification within the US
Opportunities
- Acquisition of additional net-leased properties
- Expansion into new geographic markets
- Strategic partnerships with retailers
- Increased demand for recession-resilient retail assets
Threats
- Economic downturn impacting tenant performance
- Rising interest rates increasing borrowing costs
- Increased competition in the net-leased retail sector
- Changes in consumer preferences impacting retail
Competitors and Market Share
Key Competitors
- O
- NNN
- ADC
Competitive Landscape
FCPT is smaller than Realty Income and National Retail Properties, but it is more focused on specific types of tenants within the net-leased retail sector. Its smaller size can allow it to be nimble in the market.
Major Acquisitions
Taco Bell Portfolio
- Year: 2017
- Acquisition Price (USD millions): 18.7
- Strategic Rationale: The purchase of Taco Bell properties strengthens FCPT's exposure to the quick-service restaurant (QSR) sector. It added to portfolio diversification.
KFC Portfolio
- Year: 2017
- Acquisition Price (USD millions): 43.5
- Strategic Rationale: The acquisition of properties leased to KFC restaurants provides a stable stream of rental revenue. It improves the overall portfolio.
Growth Trajectory and Initiatives
Historical Growth: Discussion of FCPT's growth in terms of portfolio size, revenue, and FFO over the past years.
Future Projections: Based on analyst consensus, projections for future revenue growth, FFO per share, and dividend increases.
Recent Initiatives: Details of recent acquisitions, capital market activities, and strategic initiatives undertaken by FCPT.
Summary
First Capital Inc (FCPT) is a focused REIT specializing in single-tenant net-leased retail properties. Its strengths lie in its targeted approach to recession-resilient tenants and long-term leases. However, it faces risks from interest rate fluctuations and the financial health of its tenants. Growth opportunities exist through further acquisitions, but competition in the net-leased retail sector is intense. FCPT remains a player in this sector with a strategic focus on specific areas and property types.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on available information and is not financial advice. Investment decisions should be made after consulting 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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