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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
FCAP's Cash to Debt is ranked higher than
89% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. FCAP: No Debt )
FCAP' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: No Debt

Equity to Asset 0.12
FCAP's Equity to Asset is ranked higher than
81% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. FCAP: 0.12 )
FCAP' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.15
Current: 0.12

0.09
0.15
Interest Coverage 4.44
FCAP's Interest Coverage is ranked higher than
89% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. FCAP: 4.44 )
FCAP' s 10-Year Interest Coverage Range
Min: 0.02   Max: 4.44
Current: 4.44

0.02
4.44
F-Score: 7
Z-Score: 0.33
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 36.32
FCAP's Operating margin (%) is ranked higher than
84% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. FCAP: 36.32 )
FCAP' s 10-Year Operating margin (%) Range
Min: -355.96   Max: 45.95
Current: 36.32

-355.96
45.95
Net-margin (%) 25.37
FCAP's Net-margin (%) is ranked higher than
82% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. FCAP: 25.37 )
FCAP' s 10-Year Net-margin (%) Range
Min: 4.27   Max: 204.49
Current: 25.37

4.27
204.49
ROE (%) 10.27
FCAP's ROE (%) is ranked higher than
82% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. FCAP: 10.27 )
FCAP' s 10-Year ROE (%) Range
Min: 1.64   Max: 10.16
Current: 10.27

1.64
10.16
ROA (%) 1.23
FCAP's ROA (%) is ranked higher than
89% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. FCAP: 1.23 )
FCAP' s 10-Year ROA (%) Range
Min: 0.17   Max: 1.32
Current: 1.23

0.17
1.32
ROC (Joel Greenblatt) (%) 76.83
FCAP's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. FCAP: 76.83 )
FCAP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 1.67   Max: 69.58
Current: 76.83

1.67
69.58
Revenue Growth (%) 1.90
FCAP's Revenue Growth (%) is ranked higher than
78% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. FCAP: 1.90 )
FCAP' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 124.7
Current: 1.9

0
124.7
EBITDA Growth (%) 8.40
FCAP's EBITDA Growth (%) is ranked higher than
77% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. FCAP: 8.40 )
FCAP' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 74.7
Current: 8.4

0
74.7
EPS Growth (%) 9.40
FCAP's EPS Growth (%) is ranked higher than
76% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. FCAP: 9.40 )
FCAP' s 10-Year EPS Growth (%) Range
Min: -40.1   Max: 71.4
Current: 9.4

-40.1
71.4
» FCAP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 11.70
FCAP's P/E(ttm) is ranked higher than
87% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. FCAP: 11.70 )
FCAP' s 10-Year P/E(ttm) Range
Min: 9.75   Max: 60.66
Current: 11.7

9.75
60.66
P/B 1.16
FCAP's P/B is ranked higher than
76% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. FCAP: 1.16 )
FCAP' s 10-Year P/B Range
Min: 0.71   Max: 1.54
Current: 1.16

0.71
1.54
P/S 2.98
FCAP's P/S is ranked higher than
78% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. FCAP: 2.98 )
FCAP' s 10-Year P/S Range
Min: 1.83   Max: 6.48
Current: 2.98

1.83
6.48
PFCF 11.34
FCAP's PFCF is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FCAP: 11.34 )
FCAP' s 10-Year PFCF Range
Min: 4.65   Max: 37.24
Current: 11.34

4.65
37.24
EV-to-EBIT 5.60
FCAP's EV-to-EBIT is ranked higher than
95% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. FCAP: 5.60 )
FCAP' s 10-Year EV-to-EBIT Range
Min: 5.3   Max: 285.2
Current: 5.6

5.3
285.2
PEG 0.25
FCAP's PEG is ranked higher than
98% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FCAP: 0.25 )
FCAP' s 10-Year PEG Range
Min: 0.3   Max: 100.2
Current: 0.25

0.3
100.2
Shiller P/E 15.99
FCAP's Shiller P/E is ranked higher than
89% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FCAP: 15.99 )
FCAP' s 10-Year Shiller P/E Range
Min: 9.29   Max: 17.06
Current: 15.99

9.29
17.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.50
FCAP's Dividend Yield is ranked higher than
74% of the 1876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.32 vs. FCAP: 3.50 )
FCAP' s 10-Year Dividend Yield Range
Min: 2.39   Max: 5.92
Current: 3.5

2.39
5.92
Dividend Payout 0.41
FCAP's Dividend Payout is ranked higher than
71% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. FCAP: 0.41 )
FCAP' s 10-Year Dividend Payout Range
Min: 0.36   Max: 1.36
Current: 0.41

0.36
1.36
Dividend growth (3y) 2.60
FCAP's Dividend growth (3y) is ranked higher than
72% of the 1127 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. FCAP: 2.60 )
FCAP' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 51.5
Current: 2.6

0
51.5
Yield on cost (5-Year) 3.94
FCAP's Yield on cost (5-Year) is ranked higher than
70% of the 1889 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.53 vs. FCAP: 3.94 )
FCAP' s 10-Year Yield on cost (5-Year) Range
Min: 2.62   Max: 6.67
Current: 3.94

2.62
6.67

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.28
FCAP's Price/Tangible Book is ranked higher than
77% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. FCAP: 1.28 )
FCAP' s 10-Year Price/Tangible Book Range
Min: 0.65   Max: 1.7
Current: 1.28

0.65
1.7
Price/DCF (Projected) 0.63
FCAP's Price/DCF (Projected) is ranked higher than
86% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. FCAP: 0.63 )
FCAP' s 10-Year Price/DCF (Projected) Range
Min: 0.52   Max: 0.97
Current: 0.63

0.52
0.97
Price/Median PS Value 1.10
FCAP's Price/Median PS Value is ranked higher than
78% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. FCAP: 1.10 )
FCAP' s 10-Year Price/Median PS Value Range
Min: 0.81   Max: 57.42
Current: 1.1

0.81
57.42
Price/Peter Lynch Fair Value 0.46
FCAP's Price/Peter Lynch Fair Value is ranked higher than
98% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FCAP: 0.46 )
FCAP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.43   Max: 2.8
Current: 0.46

0.43
2.8
Price/Graham Number 0.82
FCAP's Price/Graham Number is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. FCAP: 0.82 )
FCAP' s 10-Year Price/Graham Number Range
Min: 0.61   Max: 2.23
Current: 0.82

0.61
2.23
Earnings Yield (Greenblatt) 17.90
FCAP's Earnings Yield (Greenblatt) is ranked higher than
94% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. FCAP: 17.90 )
FCAP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 18.8
Current: 17.9

0.4
18.8
Forward Rate of Return (Yacktman) 40.83
FCAP's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. FCAP: 40.83 )
FCAP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.6   Max: 45.9
Current: 40.83

-4.6
45.9

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
First Capital Inc was incorporated under Indiana law on September 11, 1998. The Company is the savings and loan holding company of First Harrison Bank. The Bank is a federally-chartered savings bank which provides banking services to individuals and business customers through thirteen locations in southern Indiana. The Bank originates mortgage loans for sale in the secondary market and also sells non-deposit investment products through a financial services division. The Banks lending activities have concentrated on the origination of residential mortgages, both for sale in the secondary market and for retention in the Banks loan portfolio. Residential mortgages secured by multi-family properties are an immaterial portion of the residential loan portfolio. Substantially all residential mortgages are collateralized by properties within the Banks market area. The Bank provides both fixed-rate mortgage loans and adjustable rate mortgage loans mainly with terms of 15 to 30 years. The Bank uses loan documents approved by the Federal National Mortgage Corporation and the Federal Home Loan Mortgage Corporation whether the loan is originated for investment or sale in the secondary market. The Bank originates construction loans that are repaid with the proceeds of a limited number of mortgage loans obtained by the borrower from another lender, the majority of the construction loans that the Bank originates are permanently financed in the secondary market by the Bank. Construction loans originated without a commitment by the Bank to provide permanent financing are generally originated for a term of 6 to 12 months and at a fixed interest rate based on the prime rate. Commercial real estate loans are generally secured by small retail stores, professional office space and, in certain instances, farm properties. Commercial business loans are generally secured by inventory, accounts receivable, and business equipment such as trucks and tractors. Many commercial business loans also have real estate as collateral. As a savings and loan holding company, the Company is required by federal law to report and otherwise comply with the rules and regulations of, the Board of Governors of the Federal Reserve Board.

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