What is First Capital, Inc.'s (FCAP) StockRank?

MoatMap's StockRank for First Capital, Inc. (FCAP) is 36/100, with a Hold signal. This is a composite score combining Quality (47), Value (34), and Momentum (47) factor ranks across MoatMap's 20,000+ stock universe.

Does First Capital, Inc. have an economic moat?

First Capital, Inc. (FCAP) has a Quality factor score of 47/100. 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 financial characteristics of a moated business.

Is First Capital, Inc. a buy, hold, or sell?

MoatMap's current signal for First Capital, Inc. (FCAP) is Hold, based on a StockRank of 36/100. 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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FCAP

HOLDREMOVE

First Capital, Inc. · Financial Services · United States · $207M · Avg Vol: $319K/d

StockRank

P/E (TTM)

12.3x

ROE

13.5%

D/E

—

Dividend %

1.9%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

First Capital is a micro-cap US financial institution with no structural growth drivers, low liquidity, and zero alignment with our global macro themes.

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)

Year	2021	2022	2023	2024	CAGR
Revenue	38M	40M	42M	43M	4.7%
EPS	3.41	3.55	3.82	3.57	1.5%
Shares	4M	4M	4M	4M	+0.0%
Debt	1.0B	1.1B	22M	1.1B	1.0%
Equity	114M	85M	105M	115M	0.2%
Op CF	22M	17M	14M	22M	1.1%
Inv CF	-156M	-144M	-24M	29M	—
Fin CF	131M	21M	-18M	16M	—

PRICE (1M)+10.0%

SMA 50SMA 200

$63.00

RSI (14)

55.0

52W High

$70.19

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.4%*50.5

ROE

13.5%67.4

GP/Assets

4.0%47.9

Op. Margin

40.9%61.2

FCF/Assets

—N/A

Piotroski

—68.0

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

12.3x53.6

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.6x29.6

P/S

4.2x37.7

Div Yield

1.9%31.8

Momentum

52W High %

90%45.6

RS 6M

-15%29.6

SMA 50/200

1.12x81.6

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

34%67.3

FUNDAMENTALS

Market Cap

$207M

P/E (Forward)

—

Gross Margin

0.0%

SECTOR PEERS

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

Ticker	Company	Mkt Cap	StockRank	Signal
FCAP	First Capital, Inc.(you)	$207M	36	HOLD
INBK	First Internet Bancorp	$211M	34	SELL
CBFV	CB Financial Services, Inc.	$182M	39	HOLD
MRBK	Meridian Corporation	$212M	43	HOLD
WNEB	Western New England Bancorp, Inc.	$268M	41	HOLD
JMSB	John Marshall Bancorp, Inc.	$301M	39	HOLD
HNVR	Hanover Bancorp, Inc.	$170M	29	SELL
FGBI	First Guaranty Bancshares, Inc.	$166M	29	SELL
FCCO	First Community Corporation	$282M	41	HOLD
USCB	USCB Financial Holdings, Inc.	$339M	38	HOLD

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

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

First Capital, Inc. (FCAP) has a MoatMap StockRank of 36/100 based on Quality (47/100), Value (34/100), and Momentum (47/100) factor scores. The current signal is HOLD. First Capital is a micro-cap US financial institution with no structural growth drivers, low liquidity, and zero alignment with our global macro themes.

Key Financial Metrics

Price	$63.00
Market Cap	$207M
P/E (TTM)	12.30
Price/Book	1.56
Return on Equity	13.5%
Gross Margin	0.0%
Operating Margin	40.9%
Revenue Growth	18.3%
Dividend Yield	1.9%

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 36/100, with a Hold signal. It is a composite of Quality (47), Value (34), and Momentum (47) factor ranks across MoatMap’s 20,000+ stock universe.
Does First Capital, Inc. have an economic moat?: First Capital, Inc. (FCAP) has a Quality factor score of 47/100. 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 Hold, based on a StockRank of 36/100. 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).