First Capital Inc (FCAP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Capital Inc stock (FCAP) is currently trading at $47.99. First Capital Inc PE ratio is 10.22. First Capital Inc PS ratio (Price-to-Sales) is 3.32. WallStSmart rates FCAP as Moderate Buy.
- FCAP PE ratio analysis and historical PE chart
- FCAP PS ratio (Price-to-Sales) history and trend
- FCAP intrinsic value — DCF, Graham Number, EPV models
- FCAP stock price prediction 2025 2026 2027 2028 2029 2030
- FCAP fair value vs current price
- FCAP insider transactions and insider buying
- Is FCAP undervalued or overvalued?
- First Capital Inc financial analysis — revenue, earnings, cash flow
- FCAP Piotroski F-Score and Altman Z-Score
- FCAP analyst price target and Smart Rating
First Capital Inc
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FCAP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Capital Inc (FCAP)
FCAP trades at a significant discount to its Graham intrinsic value of $206.39, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Capital Inc (FCAP) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around market cap. Overall metrics suggest strong investment potential with favorable risk/reward.
First Capital Inc (FCAP) Key Strengths (5)
Keeps $42 of every $100 in revenue after operating costs
Earnings per share surging 54.50% year-over-year
Keeps $31 of every $100 in revenue as net profit
Trading at 1.19x book value, attractively priced
Strong revenue growth at 25.30% annually
Supporting Valuation Data
First Capital Inc (FCAP) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Low institutional interest, mostly retail-driven
Moderate profitability with room for improvement
Revenue is fairly priced at 3.32x sales
First Capital Inc (FCAP) Detailed Analysis Report
Overall Assessment
This company scores 66/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.19) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 42.30%, Profit Margin at 31.20%. Growth metrics are encouraging with Revenue Growth at 25.30%, EPS Growth at 54.50%.
The Bear Case
The primary concerns are Market Cap, Institutional Own., Return on Equity. Some valuation metrics including Price/Sales (3.32) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 11.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.80% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 25.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (Market Cap, Institutional Own.). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FCAP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FCAP's Price-to-Sales ratio of 3.32x trades at a 16% premium to its historical average of 2.86x (63th percentile). The current valuation is 30% below its historical high of 4.75x set in Aug 2016, and 120% above its historical low of 1.51x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Capital Inc (FCAP) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Capital Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 47M with 25% growth year-over-year. Profit margins are strong at 31.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 25% YoY, reaching 47M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1180.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can First Capital Inc maintain 25%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 264.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Capital Inc.
Bottom Line
First Capital Inc offers an attractive blend of growth (25% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Capital Inc(FCAP)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Capital, Inc. is the banking holding company for First Harrison Bank providing various banking services to individuals and commercial clients. The company is headquartered in Corydon, Indiana.