FCAP
First Capital, Inc.
FCAP's fundamentals are mixed: its operating margin rose 7 points to 42%, while earnings per share grew 30%. At 12x earnings, it's trading in line with its usual 11x.
FCAP Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FCAP's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCAP.
FCAP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $43.83 | -34% |
| Fair | 11x | $62.24 | -5.7% |
| Current | 12x | $66.00 | — |
| Expensive | 17x | $97.27 | +47% |
Historical ranges are pointers, not guarantees.
FCAP's PE is in its fair range at 12x.
FCAP Forward outlook
There aren't enough analyst estimates for FCAP to show an outlook.
FCAP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $5.72 | +30% |
| Q2 2026 | $5.53 | +40% |
| Q1 2026 | $5.23 | +43% |
| Q4 2025 | $4.90 | +37% |
| Q3 2025 | $4.41 | +25% |
| Q2 2025 | $3.94 | +9.4% |
| Q1 2025 | $3.66 | +2.5% |
| Q4 2024 | $3.57 | -6.8% |
FCAP earned $5.72 per share over the past year, up 30% from the year before.
FCAP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $14.8M | +12% |
| Q2 2026 | $14.3M | +15% |
| Q1 2026 | $13.5M | +18% |
| Q4 2025 | $13.5M | +19% |
| Q3 2025 | $13.3M | +21% |
| Q2 2025 | $12.4M | +16% |
| Q1 2025 | $11.4M | +8.9% |
| Q4 2024 | $11.3M | +9.3% |
FCAP's revenue has grown year over year for 10 quarters in a row: $15M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 43% | +1 points |
| Q2 2026 | 42% | +4.8 points |
| Q1 2026 | 40% | +5.6 points |
| Q3 2025 | 42% | +10 points |
| Q2 2025 | 37% | +6.2 points |
| Q1 2025 | 34% | +1.2 points |
| Q4 2024 | 35% | +0.2 points |
| Q3 2024 | 31% | -4 points |
FCAP's operating margin was 43% last quarter, up 5.6 points from the same quarter a year ago, near the top of its range since 2019.
FCAP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $6.8M | -13% |
| Q2 2026 | $3.5M | +2.7% |
| Q1 2026 | $5.9M | +40% |
| Q4 2025 | $4.5M | +21% |
| Q3 2025 | $7.8M | +3.7% |
| Q2 2025 | $3.5M | +3.8% |
| Q1 2025 | $4.2M | -41% |
| Q4 2024 | $3.7M | +385% |
FCAP's free cash flow was $21M over the past year, up 8.2% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FCAP.
FCAP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +748 shares |
| 1 year | -0.2% | -5.7K shares |
| 3 years | -0.4% | -14.6K shares |
| 5 years | -0.3% | -8.8K shares |
| Available history | -0.1% | -3.6K shares |
FCAP has 3M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $517,000 |
| Q3 2025 | $52,000 |
| Q2 2025 | — |
| Q1 2025 | $9,000 |
| Q4 2024 | — |
| Q3 2024 | $28,000 |
| Q2 2024 | $13,000 |
FCAP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
| Q3 2024 | -1.4x | Net Cash |
| Q2 2024 | -1.5x | Net Cash |
| Q1 2024 | -1.3x | Net Cash |
| Q4 2023 | -1.2x | Net Cash |
FCAP has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FCAP.
FCAP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.3 | Neutral |
| Stochastic | 64.3 | Neutral |
FCAP's weekly RSI is 60 (neutral) and its Stochastic is 64 (neutral).
FCAP PE vs Financial Services Sector
| Metric | FCAP | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 11% below |
| PE % | 58 | 63 | 5 pts below |
FCAP is trading at 12x earnings, a 11% discount to the Financial Services sector's median of 13x.
FCAP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $62.7 | 5.3% above |
| 20 week MA | $62.8 | 5.1% above |
| 50 week MA | $58.6 | 13% above |
| 100 week MA | $49.6 | 33% above |
| 200 week MA | $39.5 | 67% above |
FCAP is in an uptrend: it's above all five of its weekly moving averages, and 67% above its 200-week average.
FCAP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $68.5 | $63.1 | -7.9% |
| 2021 | $63.1 | $40.5 | -36% |
| 2022 | $40.5 | $24.4 | -40% |
| 2023 | $24.4 | $27.9 | +14% |
| 2024 | $27.9 | $32.3 | +16% |
| 2025 | $32.3 | $59.9 | +86% |
| 2026 YTD | $59.9 | $66.0 | +10% |
FCAP has finished lower in three of the last six years. It's up 10% so far in 2026.