First Capital (FCAP) Stock Price, News & Analysis

Company Overview

First Capital, Inc. is a closed-end, non-diversified management investment company organized as a business development company (BDC) under the Investment Company Act of 1940. Listed on the NASDAQ under the ticker FCAP, the firm specializes in providing debt and equity financing solutions to U.S. middle-market companies. External management is provided by First Capital Asset Management, LLC, leveraging senior credit expertise to structure tailored financing that supports growth initiatives, recapitalizations and acquisitions.

The company’s investment portfolio comprises senior secured loans, second-lien and subordinated debt, as well as equity co-investments. First Capital targets businesses across a broad spectrum of industries—including healthcare services, industrials, consumer products and business services—and employs a disciplined underwriting process that emphasizes rigorous due diligence, active portfolio monitoring and conservative risk management to preserve capital and generate current income.

Operating primarily within the continental United States, First Capital sources opportunities through an extensive network of referral partners, industry contacts and direct origination efforts. Governance is overseen by an experienced board of directors, while a team of seasoned credit professionals manages day-to-day investment decisions. The company remains focused on deploying capital selectively and delivering long-term shareholder value.

Key Stats

• Today's Range: $43.45 to $43.45
• 50-Day Range: $35.10 to $43.85
• 52-Week Range: $28.50 to $53.85
• Volume: 3,215 shs
• Average Volume: 3,854 shs
• Market Capitalization: $145.99 million
• P/E Ratio: 11.03
• Dividend Yield: 2.67%
• Price Target: N/A
• Consensus Rating: N/A

First Capital Stock Analysis - MarketRank™

First Capital scored higher than 46% of companies evaluated by MarketBeat, and ranked 731st out of 959 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for First Capital.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of First Capital is 11.03, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Capital is 11.03, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.73.

Price to Book Value per Share Ratio

First Capital has a P/B Ratio of 1.27. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.77% of the float of First Capital has been sold short.

Short Interest Ratio / Days to Cover

First Capital has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in First Capital has recently decreased by 6.30%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

First Capital pays a meaningful dividend of 2.65%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Capital has only been increasing its dividend for 2 years.

Dividend Coverage

The dividend payout ratio of First Capital is 29.44%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.77% of the float of First Capital has been sold short.

Short Interest Ratio / Days to Cover

First Capital has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in First Capital has recently decreased by 6.30%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.25

News Sentiment

First Capital has a news sentiment score of 1.25. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.06 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for First Capital this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, First Capital insiders have bought more of their company's stock than they have sold. Specifically, they have bought $39,949.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 4.01% of the stock of First Capital is held by insiders.

Percentage Held by Institutions

Only 11.65% of the stock of First Capital is held by institutions.

FCAP Stock Analysis - Frequently Asked Questions

How have FCAP shares performed this year?

First Capital's stock was trading at $32.25 on January 1st, 2025. Since then, FCAP shares have increased by 34.7% and is now trading at $43.45.

How were First Capital's earnings last quarter?

First Capital, Inc. (NASDAQ:FCAP) released its earnings results on Friday, July, 25th. The savings and loans company reported $1.13 earnings per share (EPS) for the quarter. The savings and loans company earned $12.43 million during the quarter. First Capital had a trailing twelve-month return on equity of 11.23% and a net margin of 21.45%.

Who are First Capital's major shareholders?

Top institutional investors of First Capital include Siena Capital Partners GP LLC (2.77%), Geode Capital Management LLC (2.33%), Bridgeway Capital Management LLC (0.96%) and Truffle Hound Capital LLC (0.71%). Insiders that own company stock include William W Harrod, Kathy Ernstberger, John Shireman, Jill Saegesser, Joshua Paul Stevens and Chris Frederick.
View institutional ownership trends.

How do I buy shares of First Capital?

Shares of FCAP stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Capital own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Capital investors own include Huntington Bancshares (HBAN), NVIDIA (NVDA), Adobe (ADBE), Gilead Sciences (GILD), GSK (GSK), Methanex (MEOH) and M&T Bank (MTB).

Company Calendar

• Record date for 6/27 Dividend: 6/13/2025
• Ex-Dividend for 6/27 Dividend: 6/13/2025
• Dividend Payable: 6/27/2025
• Last Earnings: 7/25/2025
• Record date for 9/26 Dividend: 9/12/2025
• Ex-Dividend for 9/26 Dividend: 9/12/2025
• Today: 9/13/2025
• Dividend Payable: 9/26/2025
• Next Earnings (Estimated): 10/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FCAP
• CIK: 1070296
• Web: www.firstharrison.com
• Phone: (812) 738-2198
• Fax: 812-738-2202
• Employees: 220
• Year Founded: 1891

Profitability

• EPS (Trailing Twelve Months): $3.94
• Trailing P/E Ratio: 11.03
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $11.94 million
• Net Margins: 21.45%
• Pretax Margin: 24.53%
• Return on Equity: 11.23%
• Return on Assets: 1.10%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.70
• Quick Ratio: 0.70

Sales & Book Value

• Annual Sales: $58.13 million
• Price / Sales: 2.51
• Cash Flow: $4.82 per share
• Price / Cash Flow: 9.01
• Book Value: $34.22 per share
• Price / Book: 1.27

Miscellaneous

• Outstanding Shares: 3,360,000
• Free Float: 3,220,000
• Market Cap: $145.99 million
• Optionable: Not Optionable
• Beta: 0.65