Stocktoria

FIRST CAPITAL INC FCAP

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 1999-01-04

FIRST CAPITAL INC statistics & valuation

Market cap$221.2M
P / E13.5×
P / S30.8×
P / B1.6×
P / FCF11.1×
Dividend yield1.82%
Net margin228.3%
Return on equity11.9%
FCF margin278.0%
Graham number +2.3%$67.32

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($67.32); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
153.80% 149.80% 176.10% 186.80% 175.90% 177.20% 166.60% 182.50% 169.10% 228.30% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
210.60% 212.50% 202.90% 223.00% 205.50% 212.20% 199.20% 214.70% 200.70% 2016201720182019202020212022202320242025
Return on equity (%)
9.10% 9.20% 10.80% 10.40% 9.10% 10.00% 14.00% 12.10% 10.40% 11.90% 2016201720182019202020212022202320242025
Shares outstanding
3.3M 3.3M 3.4M 3.4M 3.4M 3.4M 3.4M 3.4M 3.4M 3.3M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 1.00% 1.20% 1.20% 1.00% 1.00% 1.00% 1.10% 1.00% 1.30% 2016201720182019202020212022202320242025
Free cash flow margin (%)
140.00% 244.70% 246.40% 200.90% 198.90% 331.10% 225.60% 193.10% 306.40% 278.00% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$2.05 $2.23 $2.77 $3.09 $3.02 $3.41 $3.55 $3.82 $3.57 $4.89 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

FIRST CAPITAL INC trades at about 13.5× earnings — below its 10-year norm (10-year range 7.5×–21.4×, median 15.9×).

7.5× 21.4×

Shaded band = 10-year range (7.5×–21.4×); dot = today's 13.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating margin—200.7%214.7%199.2%212.2%205.5%223.0%202.9%212.5%210.6%
Net margin228.3%169.1%182.5%166.6%177.2%175.9%186.8%176.1%149.8%153.8%
FCF margin278.0%306.4%193.1%225.6%331.1%198.9%200.9%246.4%244.7%140.0%
Return on assets1.3%1.0%1.1%1.0%1.0%1.0%1.2%1.2%1.0%0.9%
Return on equity11.9%10.4%12.1%14.0%10.0%9.1%10.4%10.8%9.2%9.1%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.