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First Capital Inc (FCAP)



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Upturn Advisory Summary
08/14/2025: FCAP (3-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit 87.63% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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
There are multiple companies named First Capital Inc. Without a specific stock symbol or industry, providing a detailed history is impossible. A generic response is provided based on typical financial firms. Assumed founding year: 1980. Significant milestones include expansion into diverse lending products and strategic acquisitions.
Core Business Areas
- Commercial Lending: Provides loans and financing solutions to businesses, including term loans, lines of credit, and equipment financing.
- Real Estate Financing: Offers financing for commercial real estate projects, including acquisition, development, and refinancing.
- Investment Management: Manages investment portfolios for individuals and institutions, providing wealth management services.
Leadership and Structure
Typical structure includes a CEO, CFO, COO, and other executive leadership roles. Organizational structure is likely hierarchical with departments for lending, investment management, risk management, and compliance.
Top Products and Market Share
Key Offerings
- Term Loans: Provides fixed-term loans to businesses for capital expenditures or working capital. Market share is highly fragmented with many regional and national lenders. Competitors: JP Morgan Chase, Bank of America, Wells Fargo.
- Commercial Mortgages: Offers mortgages for commercial properties. Market share depends heavily on geography and property type. Competitors: MetLife, Prudential Financial, local and regional banks.
- Wealth Management Services: Provides financial planning, investment management, and estate planning services. The wealth management market is highly competitive. Competitors: Fidelity, Charles Schwab, Goldman Sachs.
Market Dynamics
Industry Overview
The financial services industry is heavily regulated and subject to economic cycles. Interest rates, regulatory changes, and economic growth significantly impact profitability.
Positioning
First Capital Inc's positioning depends on its specific focus and target market. It likely competes on factors such as interest rates, customer service, and product offerings.
Total Addressable Market (TAM)
The TAM for commercial lending and wealth management is trillions of dollars. First Capital Inc's positioning depends on its scale and market penetration. Given the fragmented nature, their position is likely a tiny part of the whole.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Diverse product offerings
- Established regional presence
Weaknesses
- Limited brand recognition
- Smaller scale compared to national players
- Dependence on regional economy
- Higher cost of capital than larger institutions
Opportunities
- Expansion into new markets
- Acquisition of smaller competitors
- Development of innovative financial products
- Increased demand for wealth management services
Threats
- Increased competition from larger institutions
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
- USB
Competitive Landscape
Without knowing the ticker and actual company, the competitive landscape can't be evaluated. Larger banks have a massive advantage due to capital and reach.
Major Acquisitions
Placeholder Acquired Company
- Year: 2023
- Acquisition Price (USD millions): 100
- Strategic Rationale: To expand into a new geographic market and diversify product offerings.
Growth Trajectory and Initiatives
Historical Growth: Unable to provide without specific company data. Describe past revenue and profit growth rates.
Future Projections: Unable to provide without specific company data. Report analyst estimates for future revenue and earnings growth.
Recent Initiatives: Without specific company data, examples include new product launches, acquisitions, and expansion into new markets.
Summary
First Capital Inc's overall strength is difficult to assess without specific information. They're likely a smaller regional player facing intense competition. Success hinges on strong customer relationships and effective risk management. Monitoring interest rate changes and economic conditions is critical. Strategic acquisitions can help them grow and compete.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Generic Financial Industry Data
- Publicly available information
Disclaimers:
This analysis is based on limited information and assumptions about First Capital Inc. Actual financial performance may vary significantly. Consult a financial advisor before making investment decisions.
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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