Switch to:

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
99% of the 1161 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.56 vs. FCAP: No Debt )
Ranked among companies with meaningful Cash to Debt only.
FCAP' s Cash to Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.41 Max: No Debt
Current: No Debt
Equity to Asset 0.10
FCAP's Equity to Asset is ranked higher than
51% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FCAP: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
FCAP' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.15
Current: 0.1
0.1
0.15
Interest Coverage 7.15
FCAP's Interest Coverage is ranked higher than
87% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. FCAP: 7.15 )
Ranked among companies with meaningful Interest Coverage only.
FCAP' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 1.23 Max: 7.15
Current: 7.15
0.02
7.15
F-Score: 4
WACC vs ROIC
2.78%
13.87%
WACC
ROIC
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 : 7/10

vs
industry
vs
history
Operating margin (%) 31.42
FCAP's Operating margin (%) is ranked higher than
50% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.24 vs. FCAP: 31.42 )
Ranked among companies with meaningful Operating margin (%) only.
FCAP' s Operating margin (%) Range Over the Past 10 Years
Min: 1.07  Med: 28.57 Max: 35.69
Current: 31.42
1.07
35.69
Net-margin (%) 22.77
FCAP's Net-margin (%) is ranked higher than
51% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.66 vs. FCAP: 22.77 )
Ranked among companies with meaningful Net-margin (%) only.
FCAP' s Net-margin (%) Range Over the Past 10 Years
Min: 4.27  Med: 19.75 Max: 25.21
Current: 22.77
4.27
25.21
ROE (%) 8.45
FCAP's ROE (%) is ranked higher than
50% of the 1669 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.48 vs. FCAP: 8.45 )
Ranked among companies with meaningful ROE (%) only.
FCAP' s ROE (%) Range Over the Past 10 Years
Min: 1.64  Med: 7.97 Max: 10.14
Current: 8.45
1.64
10.14
ROA (%) 1.00
FCAP's ROA (%) is ranked higher than
58% of the 1679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. FCAP: 1.00 )
Ranked among companies with meaningful ROA (%) only.
FCAP' s ROA (%) Range Over the Past 10 Years
Min: 0.17  Med: 0.86 Max: 1.22
Current: 1
0.17
1.22
Revenue Growth (3Y)(%) 3.10
FCAP's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. FCAP: 3.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCAP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.80 Max: 124.5
Current: 3.1
0
124.5
EBITDA Growth (3Y)(%) 8.30
FCAP's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1261 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. FCAP: 8.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCAP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 3.65 Max: 75
Current: 8.3
0
75
EPS Growth (3Y)(%) 9.90
FCAP's EPS Growth (3Y)(%) is ranked higher than
58% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. FCAP: 9.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCAP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -40.4  Med: 4.90 Max: 72.4
Current: 9.9
-40.4
72.4
» FCAP's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with FCAP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.39
FCAP's P/E(ttm) is ranked lower than
70% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.61 vs. FCAP: 15.39 )
Ranked among companies with meaningful P/E(ttm) only.
FCAP' s P/E(ttm) Range Over the Past 10 Years
Min: 9.75  Med: 13.19 Max: 60.66
Current: 15.39
9.75
60.66
PE(NRI) 15.39
FCAP's PE(NRI) is ranked lower than
70% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.57 vs. FCAP: 15.39 )
Ranked among companies with meaningful PE(NRI) only.
FCAP' s PE(NRI) Range Over the Past 10 Years
Min: 9.74  Med: 13.18 Max: 61.11
Current: 15.39
9.74
61.11
Price/Owner Earnings (ttm) 12.69
FCAP's Price/Owner Earnings (ttm) is ranked lower than
61% of the 878 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.23 vs. FCAP: 12.69 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FCAP' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.94  Med: 11.54 Max: 112.17
Current: 12.69
2.94
112.17
P/B 1.30
FCAP's P/B is ranked lower than
74% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. FCAP: 1.30 )
Ranked among companies with meaningful P/B only.
FCAP' s P/B Range Over the Past 10 Years
Min: 0.71  Med: 1.06 Max: 1.55
Current: 1.3
0.71
1.55
P/S 3.47
FCAP's P/S is ranked lower than
66% of the 1630 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. FCAP: 3.47 )
Ranked among companies with meaningful P/S only.
FCAP' s P/S Range Over the Past 10 Years
Min: 1.84  Med: 2.70 Max: 6.49
Current: 3.47
1.84
6.49
PFCF 16.04
FCAP's PFCF is ranked lower than
77% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. FCAP: 16.04 )
Ranked among companies with meaningful PFCF only.
FCAP' s PFCF Range Over the Past 10 Years
Min: 4.65  Med: 10.88 Max: 37.55
Current: 16.04
4.65
37.55
POCF 13.12
FCAP's POCF is ranked lower than
76% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. FCAP: 13.12 )
Ranked among companies with meaningful POCF only.
FCAP' s POCF Range Over the Past 10 Years
Min: 4.49  Med: 8.67 Max: 32.03
Current: 13.12
4.49
32.03
EV-to-EBIT 8.55
FCAP's EV-to-EBIT is ranked higher than
67% of the 1501 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.32 vs. FCAP: 8.55 )
Ranked among companies with meaningful EV-to-EBIT only.
FCAP' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.5  Med: 12.50 Max: 286.3
Current: 8.55
4.5
286.3
EV-to-EBITDA 7.71
FCAP's EV-to-EBITDA is ranked higher than
67% of the 1503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.32 vs. FCAP: 7.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCAP' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.1  Med: 10.70 Max: 47.1
Current: 7.71
4.1
47.1
PEG 2.51
FCAP's PEG is ranked lower than
77% of the 724 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.07 vs. FCAP: 2.51 )
Ranked among companies with meaningful PEG only.
FCAP' s PEG Range Over the Past 10 Years
Min: 0.32  Med: 1.63 Max: 107.42
Current: 2.51
0.32
107.42
Shiller P/E 18.94
FCAP's Shiller P/E is ranked lower than
62% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.24 vs. FCAP: 18.94 )
Ranked among companies with meaningful Shiller P/E only.
FCAP' s Shiller P/E Range Over the Past 10 Years
Min: 9.66  Med: 14.52 Max: 22.73
Current: 18.94
9.66
22.73

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.92
FCAP's Dividend Yield is ranked lower than
56% of the 2089 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. FCAP: 2.92 )
Ranked among companies with meaningful Dividend Yield only.
FCAP' s Dividend Yield Range Over the Past 10 Years
Min: 2.43  Med: 3.88 Max: 5.92
Current: 2.92
2.43
5.92
Dividend Payout 0.45
FCAP's Dividend Payout is ranked lower than
68% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. FCAP: 0.45 )
Ranked among companies with meaningful Dividend Payout only.
FCAP' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.45 Max: 2.62
Current: 0.45
0.19
2.62
Dividend Growth (3y) 3.40
FCAP's Dividend Growth (3y) is ranked lower than
66% of the 746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.90 vs. FCAP: 3.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FCAP' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 3.50 Max: 51.5
Current: 3.4
0
51.5
Forward Dividend Yield 2.94
FCAP's Forward Dividend Yield is ranked lower than
60% of the 1957 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. FCAP: 2.94 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.37
FCAP's Yield on cost (5-Year) is ranked lower than
55% of the 2483 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.46 vs. FCAP: 3.37 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FCAP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.8  Med: 4.48 Max: 6.83
Current: 3.37
2.8
6.83

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.45
FCAP's Price/Tangible Book is ranked lower than
73% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. FCAP: 1.45 )
Ranked among companies with meaningful Price/Tangible Book only.
FCAP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.16 Max: 1.57
Current: 1.45
0.84
1.57
Price/Projected FCF 0.63
FCAP's Price/Projected FCF is ranked lower than
53% of the 881 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. FCAP: 0.63 )
Ranked among companies with meaningful Price/Projected FCF only.
FCAP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.57  Med: 0.63 Max: 1.02
Current: 0.63
0.57
1.02
Price/Median PS Value 1.29
FCAP's Price/Median PS Value is ranked lower than
86% of the 1530 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.02 vs. FCAP: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
FCAP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.83  Med: 1.10 Max: 2.11
Current: 1.29
0.83
2.11
Price/Peter Lynch Fair Value 1.80
FCAP's Price/Peter Lynch Fair Value is ranked lower than
87% of the 433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. FCAP: 1.80 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FCAP' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.48  Med: 1.59 Max: 2.15
Current: 1.8
0.48
2.15
Price/Graham Number 0.99
FCAP's Price/Graham Number is ranked lower than
72% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. FCAP: 0.99 )
Ranked among companies with meaningful Price/Graham Number only.
FCAP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.66  Med: 0.84 Max: 1.51
Current: 0.99
0.66
1.51
Earnings Yield (Greenblatt) (%) 11.75
FCAP's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1641 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. FCAP: 11.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCAP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 8.00 Max: 22.1
Current: 11.75
0.3
22.1
Forward Rate of Return (Yacktman) (%) 16.79
FCAP's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 839 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.21 vs. FCAP: 16.79 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FCAP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -5.1  Med: 9.00 Max: 43.8
Current: 16.79
-5.1
43.8

More Statistics

Revenue(Mil) $23
EPS $ 1.87
Beta0.12
Short Percentage of Float0.35%
52-Week Range $23.08 - 34.59
Shares Outstanding(Mil)3.34

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:PULB, NAS:SMBC, NAS:FNWB, NAS:SIFI, ASX:MOC, NAS:ESSA » 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.
» More Articles for FCAP

Headlines

Articles On GuruFocus.com
8 Dividend Stock Delivering Good News: Cincinnati Financial, Autoliv, Nordso, TrustCo Bank, Lawson P Aug 23 2010 
First Capital Inc. (FCAP) SVP, CFO and Treasurer Chris Frederick sells 1,320 Shares Feb 16 2010 

More From Other Websites
FIRST CAPITAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 29 2016
First Capital, Inc. Reports Quarterly Earnings Increase Apr 29 2016
Park Sterling Corporation Completes Merger With First Capital Bancorp, Inc. Apr 01 2016
FIRST CAPITAL INC Financials Apr 01 2016
FIRST CAPITAL INC Files SEC form 10-K, Annual Report Mar 29 2016
First Capital, Inc. Announces Quarterly Dividend Feb 19 2016
FIRST CAPITAL INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 17 2016
First Capital, Inc. Announces Date of Annual Meeting Feb 17 2016
First Capital, Inc. Earnings Analysis: 2015 By the Numbers Feb 05 2016
FIRST CAPITAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 29 2016
You Can Count On First Capital Realty Inc.'s 4.7% Dividend Jan 26 2016
First Capital reveals plans for recently acquired Peoples Bancorp Dec 22 2015
FIRST CAPITAL INC Files SEC form 8-K, Completion of Acquisition or Disposition of Assets, Financial... Dec 07 2015
FIRST CAPITAL INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Nov 23 2015
First Capital Bancorp, Inc., Announces $0.01 Cash Dividend Nov 22 2015
First Capital Bancorp, Inc., Announces Leadership Change Nov 22 2015
First Capital Bancorp, Inc., Reports Net Income Available to Common Shareholders of $1.3 Million for... Nov 22 2015
FIRST CAPITAL INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 18 2015
FIRST CAPITAL REALTY ANNOUNCES Q3 RESULTS Nov 02 2015
FIRST CAPITAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Oct 30 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK