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FIRST CAPITAL INC (FCAP) Stock Fundamental Analysis

NASDAQ:FCAP - Nasdaq - US31942S1042 - Common Stock - Currency: USD

35.99  -0.05 (-0.14%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FCAP. FCAP was compared to 405 industry peers in the Banks industry. FCAP has an average financial health and profitability rating. FCAP has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

FCAP had positive earnings in the past year.
FCAP had a positive operating cash flow in the past year.
Each year in the past 5 years FCAP has been profitable.
Of the past 5 years FCAP 4 years had a positive operating cash flow.
FCAP Yearly Net Income VS EBIT VS OCF VS FCFFCAP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

FCAP has a better Return On Assets (0.99%) than 68.67% of its industry peers.
FCAP's Return On Equity of 10.09% is fine compared to the rest of the industry. FCAP outperforms 72.43% of its industry peers.
Industry RankSector Rank
ROA 0.99%
ROE 10.09%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FCAP Yearly ROA, ROE, ROICFCAP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 27.75%, FCAP is doing good in the industry, outperforming 76.44% of the companies in the same industry.
FCAP's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for FCAP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.75%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.04%
PM growth 5Y-0.3%
GM growth 3YN/A
GM growth 5YN/A
FCAP Yearly Profit, Operating, Gross MarginsFCAP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

FCAP does not have a ROIC to compare to the WACC, probably because it is not profitable.
FCAP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FCAP Yearly Shares OutstandingFCAP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M
FCAP Yearly Total Debt VS Total AssetsFCAP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

FCAP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC13.42%
FCAP Yearly LT Debt VS Equity VS FCFFCAP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FCAP Yearly Current Assets VS Current LiabilitesFCAP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M

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1

3. Growth

3.1 Past

FCAP shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.82%.
The Earnings Per Share has been growing slightly by 2.92% on average over the past years.
The Revenue has been growing slightly by 2.91% in the past year.
FCAP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.25% yearly.
EPS 1Y (TTM)-6.82%
EPS 3Y1.52%
EPS 5Y2.92%
EPS Q2Q%4.84%
Revenue 1Y (TTM)2.91%
Revenue growth 3Y4.68%
Revenue growth 5Y3.25%
Sales Q2Q%9.28%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FCAP Yearly Revenue VS EstimatesFCAP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
FCAP Yearly EPS VS EstimatesFCAP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.08, the valuation of FCAP can be described as reasonable.
FCAP's Price/Earnings ratio is rather cheap when compared to the industry. FCAP is cheaper than 80.95% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.63, FCAP is valued rather cheaply.
Industry RankSector Rank
PE 10.08
Fwd PE N/A
FCAP Price Earnings VS Forward Price EarningsFCAP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

89.47% of the companies in the same industry are more expensive than FCAP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.46
EV/EBITDA N/A
FCAP Per share dataFCAP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.45
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

FCAP has a Yearly Dividend Yield of 3.22%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.18, FCAP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, FCAP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.22%

5.2 History

The dividend of FCAP has a limited annual growth rate of 3.07%.
FCAP has paid a dividend for at least 10 years, which is a reliable track record.
FCAP has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.07%
Div Incr Years1
Div Non Decr Years24
FCAP Yearly Dividends per shareFCAP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

5.3 Sustainability

FCAP pays out 31.39% of its income as dividend. This is a sustainable payout ratio.
FCAP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.39%
EPS Next 2YN/A
EPS Next 3YN/A
FCAP Yearly Income VS Free CF VS DividendFCAP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
FCAP Dividend Payout.FCAP Dividend Payout, showing the Payout Ratio.FCAP Dividend Payout.PayoutRetained Earnings

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FIRST CAPITAL INC

NASDAQ:FCAP (2/21/2025, 8:17:13 PM)

35.99

-0.05 (-0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23
Earnings (Next)04-24 2025-04-24
Inst Owners15.01%
Inst Owner Change-95.51%
Ins Owners3.93%
Ins Owner Change0%
Market Cap120.57M
Analysts0
Price TargetN/A
Short Float %0.28%
Short Ratio2.49
Dividend
Industry RankSector Rank
Dividend Yield 3.22%
Yearly Dividend1.08
Dividend Growth(5Y)3.07%
DP31.39%
Div Incr Years1
Div Non Decr Years24
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.08
Fwd PE N/A
P/S 2.84
P/FCF 6.46
P/OCF 6.27
P/B 1.03
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)3.57
EY9.92%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.57
FCFY15.47%
OCF(TTM)5.74
OCFY15.95%
SpS12.68
BVpS34.86
TBVpS32.89
PEG (NY)N/A
PEG (5Y)3.45
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 10.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.75%
GM N/A
FCFM 43.91%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.04%
PM growth 5Y-0.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 54.45%
Cap/Sales 1.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 158.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.42%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.82%
EPS 3Y1.52%
EPS 5Y2.92%
EPS Q2Q%4.84%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.91%
Revenue growth 3Y4.68%
Revenue growth 5Y3.25%
Sales Q2Q%9.28%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y10.92%
OCF growth 3YN/A
OCF growth 5YN/A