US · FCAP
First Capital, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Corydon, IN 47112
- Website
- firstharrison.com
Price · as of 2024-12-31
$54.56
Market cap 170.44M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $25.81 | -52.69% |
| Intrinsic Value(DCF) | $138.31 | +153.5% |
| Graham-Dodd Method(GD) | $33.27 | -39.03% |
| Graham Formula(GF) | $74.75 | +37.01% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $9.91 | $84.42 | $16.06 | $11.01 | $8.36 |
| 2011 | $13.48 | $28.07 | $10.06 | $12.01 | $3.95 |
| 2012 | $13.58 | $93.75 | $38.55 | $12.60 | $6.06 |
| 2013 | $15.02 | $38.25 | $40.61 | $14.22 | $12.72 |
| 2014 | $17.43 | $118.48 | $43.75 | $16.27 | $18.84 |
| 2015 | $21.28 | $33.37 | $50.99 | $20.54 | $17.68 |
| 2016 | $25.41 | $27.79 | $108.76 | $18.36 | $78.42 |
| 2017 | $30.20 | $23.75 | $119.82 | $20.58 | $29.75 |
| 2018 | $42.86 | $37.07 | $126.50 | $23.77 | $36.96 |
| 2019 | $50.96 | $34.26 | $112.21 | $28.76 | $60.15 |
| 2020 | $48.07 | $42.68 | $100.76 | $31.74 | $21.18 |
| 2021 | $34.16 | $16.41 | $106.76 | $33.37 | $34.29 |
| 2022 | $23.38 | $49.08 | $129.58 | $25.45 | $53.95 |
| 2023 | $25.60 | $44.25 | $180.17 | $32.33 | $112.94 |
| 2024 | $37.46 | $25.81 | $202.55 | $33.27 | $74.75 |
AI valuation
Our deep-learning model estimates First Capital, Inc.'s (FCAP) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $25.81
- Current price
- $54.56
- AI upside
- -52.69%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$138.31
+153.5% upside
Graham-Dodd
$33.27
-39.03% upside
Graham Formula
$74.75
+37.01% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FCAP | First Capital, Inc. | $54.56 | 170.44M | -53% | +154% | -39% | +37% | 10.50 | 1.09 | 2.16 | 2.21 | — | 1.16 | 72.25% | 24.38% | 20.54% | 10.86% | -7.60% | 1.02% | 0.00 | 0.97 | 0.09 | 0.09 | -1.74 | -654.00% | 1345.00% | 5978.00% | 17.25% | 0.02 | -13.74% | 3.01% | 31.60% | 19.78% | 2.38 | 1.56 | 0.58 | -0.70 |
| CFBK | CF Bankshares Inc. | $30.22 | 194.73M | +563% | -20% | +42% | -2% | 10.88 | 1.03 | 1.52 | 2.77 | 35.57 | 1.03 | 41.85% | 17.10% | 13.50% | 9.94% | 38.34% | 0.84% | 0.69 | 0.33 | 0.91 | 0.91 | -6.10 | 3058.00% | 306.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 5.11% | 2.77 | — | 0.47 | 0.14 |
| CZWI | Citizens Community Bancor… | $17.41 | 168.18M | +918% | +67% | +35% | — | 11.98 | 0.92 | 1.92 | -3.19 | 133.80 | 1.11 | 54.68% | 7.01% | 16.01% | 7.86% | 9.54% | 0.82% | 0.28 | 0.16 | — | — | -7.54 | 896.00% | -941.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 48.32% | -4.49 | — | -0.31 | 1.26 |
| EBMT | Eagle Bancorp Montana, In… | $21.70 | 172.56M | 0% | -19% | -29% | -15% | 13.54 | 0.76 | 1.10 | 8.95 | — | 1.10 | 65.71% | 9.46% | 8.12% | 5.68% | 6.86% | 0.47% | 1.14 | 0.28 | 0.10 | 0.10 | 8.31 | -388.00% | 709.00% | -39855.00% | 10.92% | 0.02 | 10.14% | 3.43% | 46.40% | 35.23% | 15.94 | 12.55 | 1.51 | -0.68 |
| ECBK | ECB Bancorp, Inc. | $17.19 | 151.22M | +865% | +60% | +51% | +33% | 17.91 | 0.81 | 1.75 | 40.85 | 18.68 | 0.81 | 39.88% | 13.05% | 9.78% | 4.57% | 2.26% | 0.51% | 1.66 | 0.22 | 1.23 | 0.00 | 27.44 | 9583.00% | 1646.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 40.85 | — | 5.33 | 0.23 |
| FNWD | Finward Bancorp | $37.36 | 161.66M | +151% | +41% | -1% | +77% | 9.75 | 0.78 | 1.06 | -8.71 | 21.72 | 0.93 | 64.03% | 12.03% | 10.85% | 8.12% | -7.15% | 0.58% | 0.69 | 0.33 | 0.23 | 0.23 | 1.70 | 4490.00% | 1585.00% | -7081.00% | 5.69% | 0.01 | -3.96% | 1.75% | 17.10% | 1.82% | -13.43 | -26.85 | -1.62 | -0.60 |
| HNVR | Hanover Bancorp, Inc. | $20.68 | 148.74M | +575% | -11% | +41% | -76% | 21.03 | 0.79 | 1.10 | 30.55 | — | 0.87 | 43.91% | 6.95% | 5.22% | 3.77% | 3.06% | 0.32% | 0.73 | 0.14 | 0.14 | 0.00 | 14.73 | -3976.00% | -340.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 30.55 | — | 2.12 | -0.51 |
| LARK | Landmark Bancorp, Inc. | $27.74 | 168.5M | +17% | -17% | -38% | +74% | 9.50 | 0.91 | 1.39 | 9.19 | 143.87 | 1.26 | 65.62% | 15.89% | 14.67% | 9.88% | -27.73% | 0.83% | 0.65 | 0.50 | 0.04 | 0.04 | 3.87 | 660.00% | 1377.00% | 264.00% | 9.65% | 0.01 | -25.41% | 3.73% | 35.50% | 6.34% | 10.82 | 12.79 | 1.72 | -0.79 |
| MNSB | MainStreet Bancshares, In… | $22.20 | 166.42M | +779% | -12% | +75% | -38% | 10.89 | 0.78 | 1.25 | 8.29 | — | 0.78 | 54.39% | 14.05% | 11.49% | 7.32% | 7.11% | 0.70% | 0.32 | 0.31 | — | — | 2.34 | -21000.00% | -144.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 8.29 | — | 1.16 | 0.25 |
| PEBK | Peoples Bancorp of North … | $38.21 | 202.86M | -20% | +639% | -33% | +74% | 8.41 | 1.05 | 1.41 | -5.70 | 110.97 | 1.05 | 73.04% | 21.40% | 16.72% | 13.00% | -8.40% | 0.99% | 0.15 | 0.79 | 0.20 | 0.20 | -1.67 | 758.00% | 1401.00% | -413.00% | 14.52% | 0.01 | -10.26% | 3.67% | 30.90% | 51.86% | -6.49 | -6.80 | -1.39 | -0.61 |
| RMBI | Richmond Mutual Bancorpor… | $13.50 | 131.11M | +69% | -26% | -31% | +77% | 12.15 | 0.86 | 1.34 | 29.51 | 1105.58 | 0.87 | 50.19% | 12.77% | 11.03% | 7.01% | 3.96% | 0.63% | 1.99 | 0.26 | 0.16 | 0.16 | 20.40 | 110.00% | 1843.00% | 2433.00% | 12.54% | 0.01 | 6.04% | 5.00% | 60.80% | 16.29% | 32.34 | 24.59 | 4.13 | -0.52 |
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. The company offers 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 provides real estate mortgage loans, such as fixed-rate and adjustable rate mortgage residential loans, construction loans for residential and commercial properties, and commercial real estate loans, as well as commercial business loans. In addition, the company originates mortgage loans for sale in the secondary market and sells non-deposit investment products; and offers various secured or guaranteed consumer loans comprising automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans, and loans secured by savings deposits, as well as unsecured consumer loans. It provides its products and services through 18 locations in Indiana and Kentucky. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.
- CEO
- Michael Chris Frederick
- Employees
- 173
- Beta
- 0.62
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($138.31 ÷ $54.56) − 1 = +153.5% (DCF, example).