Stocktoria
FIRST CAPITAL INC FCAP
FIRST CAPITAL INC (FCAP) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 1.82% (safety: safe). FY2025 revenue was $7.2M at a 228.3% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FCAP | FIRST CAPITAL INC | 5/9 | — | 13.5 | — |
| NFBK | Northfield Bancorp, Inc. | 5/9 | — | 786.5 | — |
| CARV | CARVER BANCORP INC | 3/9 | — | — | — |
| GBNY | Generations Bancorp NY, Inc. | 3/9 | — | — | — |
| HFBL | Home Federal Bancorp, Inc. of Louisiana | 6/9 | — | 16.5 | — |
| FDSB | Fifth District Bancorp, Inc. | 4/9 | — | 20.8 | — |
| NSTS | NSTS Bancorp, Inc. | 4/9 | — | — | — |
All Finance, Insurance & Real Estate companies →
About FIRST CAPITAL INC
First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company provides 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 offers 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 provides 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.
FAQ
Is FCAP financially healthy?
FIRST CAPITAL INC's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does FCAP pay a dividend, and is it safe?
Yes. FIRST CAPITAL INC pays a dividend yielding about 1.82% with a 24.7% payout ratio, rated “safe” for safety.
How profitable is FCAP?
In FY2025, FIRST CAPITAL INC had a net margin of 228.3% and a return on equity of 11.9%.
Is FCAP overvalued or undervalued?
FIRST CAPITAL INC trades at about 13.5× trailing earnings — below its 10-year norm (10-year range 7.5×–21.4×, median 15.9×). Stocktoria reports the data, not buy/sell advice.
Is FCAP a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FIRST CAPITAL INC: a Piotroski F-score of 5/9, a P/E of about 13.5×, a dividend yield of 1.82%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.