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FCAP

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First Capital, Inc. · Financial Services · United States · $209M · Avg Vol: $1M/d

78
StockRank
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Q
65
V
43
M
66
P/E (TTM)
11.7x
ROE
13.9%
D/E
0.0x
Dividend %
1.9%
Dir. Trades · 180d
None →
Buybacks · 180d
$1M →
AI CONVICTION THESIS

First Capital has quality Q64 and momentum M66 with a buyback on file, but value at V44 is below the calibrated floor, so stage one fails.

COMPANY DESCRIPTION

First Capital, Inc. operates as the holding company for First Capital Bank of Kentucky, providing traditional banking services to individuals and businesses. The bank distinguishes itself through a community-focused approach, offering local expertise and personalized customer service in its operating areas. First Capital aims to foster local economic growth through its lending and deposit services, serving its specific regional market effectively.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM
Revenue37.9M40.3M42.2M43.4M50.6M7.5%53.2M
EPS3.413.553.823.574.899.4%5.52
Shares3.8M3.4M3.4M3.4M3.3M-12.2%3.3M
Debt1.0B—21.5M——-85.6%—
Equity113.8M85.2M105.2M114.6M137.8M4.9%—
Op CF21.6M16.5M14.2M22.3M21.3M-0.4%23.8M
Inv CF-156.5M-144.0M-23.9M29.0M-41.8M——
Fin CF131.5M21.3M-17.8M15.9M51.9M——
Loading 1Y...
PRICE (1Y)-0.7%
61.3462.5663.7965.0166.24Jul 29Aug 19Sep 9
SMA 50SMA 200

Close
$63.25
RSI (14)
53.1
52W High
$70.19
From 52W High
0.9%

SCORE BREAKDOWN

Quality
65
ROIC (ROA)
1.5%*48.7
ROE
13.9%70.4
GP/Assets
4.2%N/A
Op. Margin
43.4%61.6
FCF/Assets
1.7%N/A
Piotroski
693.9
Int. Cover
—50.0
D/E Ratio
0.00xN/A
Current Ratio
bankN/A
Value
43
P/E (TTM)
11.7x57.8
EV/EBITDA
bankN/A
P/FCF
9.7xN/A
P/B
1.5x36.7
P/S
4.1x44.0
Div Yield
1.9%23.9
Momentum
66
52W High %
90%46.9
RS 6M
18%83.7
SMA 50/200
1.11x75.7
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
26%58.7

FUNDAMENTALS

Market Cap
$209M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FCAP are excluded.

TickerCompanyMkt CapStockRankSignal
FCAPFirst Capital, Inc.(you)$209M78Buy
CMTVCommunity Bancorp$229M81Strong Buy
OPBKOP Bancorp$226M82Strong Buy
PEBKPeoples Bancorp of North Carolina, Inc.$233M74Buy
BVFLBV Financial, Inc.$181M74Buy
LARKLandmark Bancorp, Inc.$193M85Strong Buy
SBFGSB Financial Group, Inc.$173M83Strong Buy
CBNAChain Bridge Bancorp, Inc.$300M77Buy
NKSHNational Bankshares, Inc.$261M74Buy
MGYRMagyar Bancorp, Inc.$126M78Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

First Capital, Inc. (FCAP): Stock Score Summary

First Capital, Inc. (FCAP) has a MoatMap StockRank of 78/100 based on Quality (65/100), Value (43/100), and Momentum (66/100) factor scores. The current signal is BUY. First Capital has quality Q64 and momentum M66 with a buyback on file, but value at V44 is below the calibrated floor, so stage one fails.

First Capital, Inc. operates as the holding company for First Capital Bank of Kentucky, providing traditional banking services to individuals and businesses. The bank distinguishes itself through a community-focused approach, offering local expertise and personalized customer service in its operating areas. First Capital aims to foster local economic growth through its lending and deposit services, serving its specific regional market effectively.

Key Financial Metrics

Price$63.25
Market Cap$209M
P/E (TTM)11.74
Price/Book1.52
Return on Equity13.9%
Debt/Equity0.00x
Operating Margin43.4%
Revenue Growth14.4%
Dividend Yield1.9%
Free Cash Flow$22M

First Capital, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is First Capital, Inc.’s (FCAP) StockRank?
MoatMap’s StockRank for First Capital, Inc. (FCAP) is 78/100, with a Buy signal. It is a composite of Quality (65), Value (43), and Momentum (66) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does First Capital, Inc. have an economic moat?
First Capital, Inc. (FCAP) has a Quality factor score of 65/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is First Capital, Inc. a buy, hold, or sell?
MoatMap’s current signal for First Capital, Inc. (FCAP) is Buy, based on a StockRank of 78/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is First Capital, Inc. in?
First Capital, Inc. (FCAP) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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