Stocks · Financial Services · Banks - Regional
First Capital, Inc. FCAP
$62.90 +1.45% Close, Oct 2, 2026 · NASDAQ · Market cap $210.4M
High qualityStrong trendInexpensive vs sector
Next earnings report: Oct 23, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $5.53, up 40.4% year over year.
- Operating margin widened to 33.0% from 25.9% a year earlier.
- The stock is in an uptrend: above its 200-day average for 140 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 33%
- EPS growth (TTM, YoY)Top 26%
- FCF growth (TTM, YoY)Top 44%
- Revenue growth, 3-year CAGRTop 46%
- Revenue growth accelerationBottom 49%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 10%
- Gross marginTop 21%
- Operating marginTop 24%
- Cash conversion (OCF / net income)Top 40%
- Accruals (lower is better)Top 45%
- Net debt / EBITDA (lower is better)Top 5%
- Interest coverTop 36%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 27%
- Free-cash-flow yieldTop 29%
- EBITDA / enterprise valueTop 3%
- Sales / enterprise valueTop 9%
- P/E vs own 5-year history (lower is better)Bottom 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 20%
- 6-month returnTop 13%
- 1-year return vs S&P 500Top 19%
- Distance from 52-week highBottom 46%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 36%
- Maximum drawdown, 3 yearsBottom 39%
- Beta vs S&P 500 (lower is better)Top 22%
- Net debt / EBITDA (lower is better)Top 5%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 12.6% | 12.2% | ↓ |
| EPS growth (YoY) | 42.9% | 40.4% | ↓ |
| Gross margin | 72.8% | 77.3% | ↑ |
| Operating margin | 25.9% | 33.0% | ↑ |
| FCF margin | 30.7% | 34.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 12.2% | 12.6% | ↓ | Top 33% |
| EPS growth (TTM, YoY) | 40.4% | 42.9% | ↓ | Top 26% |
| Gross margin | 77.3% | 72.8% | ↑ | Top 21% |
| Operating margin | 33.0% | 25.9% | ↑ | Top 24% |
| Net margin | 26.8% | 21.5% | ↑ | — |
| Free-cash-flow margin | 34.2% | 30.7% | ↑ | — |
| Return on invested capital | 12.3% | — | Top 10% | |
| Revenue growth, 3-year CAGR | 16.0% | — | Top 46% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.29×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -3.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -6.36×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.98%
- Net buyback yield (TTM)
- 0.28%
- Shareholder yield
- 2.26%
- Share count change, 1 year
- -0.3%
- Share count change, 3-year CAGR
- -0.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 12, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | — | +1.3% | +5.2% | +4.4% | — |
| Apr 24, 2026 | — | +2.0% | +2.6% | +2.0% | +14.1% |
| Jan 23, 2026 | — | -2.6% | +2.3% | +2.6% | +4.8% |
| Oct 24, 2025 | — | +0.4% | -1.5% | +5.4% | +17.6% |
| Jul 25, 2025 | — | +1.0% | -5.1% | -3.8% | +6.9% |
| Apr 25, 2025 | — | +0.8% | -0.7% | +2.2% | -19.7% |
| Jan 24, 2025 | — | -5.2% | -4.3% | +8.4% | +22.3% |
| Oct 25, 2024 | — | -0.2% | +7.2% | -4.2% | -2.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $1.43 | — | — | $17.8M |
| Apr 24, 2026 | $1.30 | — | — | $17.0M |
| Jan 23, 2026 | $1.46 | — | — | $17.1M |
| Oct 24, 2025 | $1.34 | — | — | — |
| Jul 25, 2025 | $1.13 | — | — | $16.1M |
| Apr 25, 2025 | $0.97 | — | — | $15.2M |
| Jan 24, 2025 | $0.97 | — | — | $11.0M |
| Oct 25, 2024 | $0.87 | — | — | $10.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.4× | 9.6× | 76th | Top 27% |
| EV / EBITDA | 2.6× | — | — | Top 3% |
| EV / Sales | 0.88× | — | — | Top 9% |
| Free-cash-flow yield | 11.19% | — | — | Top 29% |
| Earnings yield | 8.79% | — | — | Top 27% |
P/E over the past five years
Range 6.1× – 13.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +31.3%
- Earnings per share growth (TTM)
- +40.4%
- Change in P/E multiple
- +25.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 140
- 50-day average slope (20 days)
- -0.2%
- 200-day average slope (20 days)
- +1.8%
- Distance from 50-day average
- -0.0%
- Distance from 200-day average
- +8.9%
- RSI (14)
- 53.7
- Relative volume
- 0.58×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 25.0%
- Volatility vs own 5-year history
- 10th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.25
- Correlation with S&P 500
- 0.09
- Current drawdown from 1-year high
- -9.8%
- Maximum drawdown, 3 years
- -33.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 24, 2020 | May 4, 2023 | -66.7% | 613 days | 658 days (Dec 17, 2025) |
| Dec 17, 2025 | Mar 13, 2026 | -33.0% | 58 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $210.4M
- P/E (TTM)
- 11.4
- EPS, diluted (TTM)
- $5.53
- Revenue (TTM)
- $68.9M
- Dividend yield
- 1.99%
- 52-week range
- $37.64 – $71.00
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $39.0M | $41.9M | $51.2M | $58.1M | $65.3M |
| Gross profit | $38.2M | $39.3M | $41.1M | $42.0M | $49.5M |
| Operating income | $13.7M | $14.2M | $15.1M | $14.2M | $19.9M |
| Net income | $11.4M | $11.9M | $12.8M | $11.9M | $16.4M |
| EPS (diluted) | $3.41 | $3.55 | $3.82 | $3.57 | $4.89 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $15.0M | $15.1M | $15.2M | $16.1M | $17.0M | $17.1M | $17.0M | $17.8M |
| Net income | $2.9M | $3.3M | $3.2M | $3.8M | $4.5M | $4.9M | $4.3M | $4.8M |
| EPS (diluted) | $0.87 | $0.97 | $0.97 | $1.13 | $1.34 | $1.46 | $1.30 | $1.43 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $21.6M | $16.5M | $14.2M | $22.3M | $21.3M |
| Capital expenditure | -$288,000 | -$415,000 | -$627,000 | -$717,000 | -$1.4M |
| Free cash flow | $21.3M | $16.1M | $13.5M | $21.6M | $19.9M |
| Dividends paid | -$3.5M | -$3.5M | -$3.6M | -$3.8M | -$4.0M |
| Net share buybacks | -$40,000 | -$26,000 | -$502,000 | -$41,000 | -$578,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $563.7M
- Total assets
- $1.29B
- Total liabilities
- $1.15B
- Total debt
- $0
- Net debt
- -$149.8M
- Shareholders’ equity
- $142.5M
As of Jun 30, 2026 (filed Aug 12, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 11, 2026 | $0.32 | Sep 25, 2026 |
| Jun 12, 2026 | $0.31 | Jun 26, 2026 |
| Mar 13, 2026 | $0.31 | Mar 27, 2026 |
| Dec 12, 2025 | $0.31 | Dec 26, 2025 |
| Sep 12, 2025 | $0.31 | Sep 26, 2025 |
| Jun 13, 2025 | $0.29 | Jun 27, 2025 |
| Mar 14, 2025 | $0.29 | Mar 28, 2025 |
| Dec 13, 2024 | $0.29 | Dec 27, 2024 |
Short interest
- Shares sold short
- 143,628
- Days to cover
- 10.02
- Change vs previous report
- +14.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 17, 2006
- 11-for-10