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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
100% of the 1134 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.18 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: 0.09  Med: 0.44 Max: No Debt
Current: No Debt
Equity to Asset 0.10
FCAP's Equity to Asset is ranked higher than
51% of the 1602 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: 0.09  Med: 0.11 Max: 0.15
Current: 0.1
0.09
0.15
Interest Coverage 5.86
FCAP's Interest Coverage is ranked higher than
85% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. FCAP: 5.86 )
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: 5.86
0.02
7.15
F-Score: 4
WACC vs ROIC
2.77%
13.97%
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 (%) 30.23
FCAP's Operating margin (%) is ranked lower than
51% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.11 vs. FCAP: 30.23 )
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: 30.23
1.07
35.69
Net-margin (%) 21.75
FCAP's Net-margin (%) is ranked lower than
53% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.40 vs. FCAP: 21.75 )
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: 21.75
4.27
25.21
ROE (%) 8.14
FCAP's ROE (%) is ranked higher than
50% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.20 vs. FCAP: 8.14 )
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: 8.14
1.64
10.14
ROA (%) 0.93
FCAP's ROA (%) is ranked higher than
55% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. FCAP: 0.93 )
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: 0.93
0.17
1.22
Revenue Growth (3Y)(%) 3.10
FCAP's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 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: 1.9  Med: 5.20 Max: 124.2
Current: 3.1
1.9
124.2
EBITDA Growth (3Y)(%) 8.30
FCAP's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 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: -42.7  Med: 3.65 Max: 75
Current: 8.3
-42.7
75
EPS Growth (3Y)(%) 9.90
FCAP's EPS Growth (3Y)(%) is ranked higher than
58% of the 1211 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
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:OFED, NAS:PBIP, NAS:RVSB, NAS:ICBK, NAS:TSBK, NAS:MLVF, NAS:CBNK, NAS:FSBK, NAS:HFFC, NAS:FCLF, NAS:GCBC, OTCBB:NWIN, NAS:LSBK, NAS:HFBC, NAS:MSBF, OTCBB:NIDB, NAS:IROQ, NAS:PROV, NAS:KFFB, NAS:LSBG » details
First Capital Inc is a holding company. The Company, through its wholly-owned subsidiary, provides banking services to individuals and business customers through thirteen locations in southern Indiana.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 18.88
FCAP's P/E(ttm) is ranked lower than
77% of the 1682 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.67 vs. FCAP: 18.88 )
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: 18.88
9.75
60.66
PE(NRI) 18.88
FCAP's PE(NRI) is ranked lower than
76% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.86 vs. FCAP: 18.88 )
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: 18.88
9.74
61.11
Price/Owner Earnings (ttm) 24.77
FCAP's Price/Owner Earnings (ttm) is ranked lower than
86% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.62 vs. FCAP: 24.77 )
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: 11.50 Max: 99.71
Current: 24.77
2.94
99.71
P/B 1.49
FCAP's P/B is ranked lower than
76% of the 1759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. FCAP: 1.49 )
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: 1.51
Current: 1.49
0.71
1.51
P/S 4.06
FCAP's P/S is ranked lower than
71% of the 1761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. FCAP: 4.06 )
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: 4.06
1.84
6.49
PFCF 33.45
FCAP's PFCF is ranked lower than
91% of the 918 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.16 vs. FCAP: 33.45 )
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: 33.45
4.65
37.55
POCF 22.45
FCAP's POCF is ranked lower than
89% of the 1025 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.89 vs. FCAP: 22.45 )
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: 22.45
4.49
32.03
EV-to-EBIT 10.20
FCAP's EV-to-EBIT is ranked higher than
65% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. FCAP: 10.20 )
Ranked among companies with meaningful EV-to-EBIT only.
FCAP' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.5  Med: 12.30 Max: 286.3
Current: 10.2
4.5
286.3
EV-to-EBITDA 9.11
FCAP's EV-to-EBITDA is ranked higher than
66% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.75 vs. FCAP: 9.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCAP' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.1  Med: 10.40 Max: 47.1
Current: 9.11
4.1
47.1
PEG 2.79
FCAP's PEG is ranked lower than
79% of the 731 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. FCAP: 2.79 )
Ranked among companies with meaningful PEG only.
FCAP' s PEG Range Over the Past 10 Years
Min: 0.32  Med: 1.38 Max: 446.33
Current: 2.79
0.32
446.33
Shiller P/E 21.97
FCAP's Shiller P/E is ranked lower than
67% of the 491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.16 vs. FCAP: 21.97 )
Ranked among companies with meaningful Shiller P/E only.
FCAP' s Shiller P/E Range Over the Past 10 Years
Min: 9.58  Med: 14.54 Max: 22.14
Current: 21.97
9.58
22.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.47
FCAP's Dividend Yield is ranked lower than
60% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. FCAP: 2.47 )
Ranked among companies with meaningful Dividend Yield only.
FCAP' s Dividend Yield Range Over the Past 10 Years
Min: 2.45  Med: 3.88 Max: 5.92
Current: 2.47
2.45
5.92
Dividend Payout 0.46
FCAP's Dividend Payout is ranked lower than
69% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. FCAP: 0.46 )
Ranked among companies with meaningful Dividend Payout only.
FCAP' s Dividend Payout Range Over the Past 10 Years
Min: 0.36  Med: 0.47 Max: 1.39
Current: 0.46
0.36
1.39
Dividend Growth (3y) 3.40
FCAP's Dividend Growth (3y) is ranked lower than
68% of the 733 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 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 2.45
FCAP's Forward Dividend Yield is ranked lower than
65% of the 2109 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. FCAP: 2.45 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.85
FCAP's Yield on cost (5-Year) is ranked lower than
59% of the 2505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.58 vs. FCAP: 2.85 )
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: 2.83  Med: 4.48 Max: 6.83
Current: 2.85
2.83
6.83
3-Year Average Share Buyback Ratio -6.20
FCAP's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. FCAP: -6.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FCAP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -25.4  Med: 0.10 Max: 3
Current: -6.2
-25.4
3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.68
FCAP's Price/Tangible Book is ranked lower than
75% of the 1747 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. FCAP: 1.68 )
Ranked among companies with meaningful Price/Tangible Book only.
FCAP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.65  Med: 1.20 Max: 1.67
Current: 1.68
0.65
1.67
Price/Projected FCF 0.89
FCAP's Price/Projected FCF is ranked lower than
70% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. FCAP: 0.89 )
Ranked among companies with meaningful Price/Projected FCF only.
FCAP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.55  Med: 0.63 Max: 0.99
Current: 0.89
0.55
0.99
Price/Median PS Value 1.50
FCAP's Price/Median PS Value is ranked lower than
88% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. FCAP: 1.50 )
Ranked among companies with meaningful Price/Median PS Value only.
FCAP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.81  Med: 1.11 Max: 2.39
Current: 1.5
0.81
2.39
Price/Peter Lynch Fair Value 2.29
FCAP's Price/Peter Lynch Fair Value is ranked lower than
91% of the 434 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. FCAP: 2.29 )
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: 0.43  Med: 1.43 Max: 3.98
Current: 2.29
0.43
3.98
Price/Graham Number 1.19
FCAP's Price/Graham Number is ranked lower than
75% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. FCAP: 1.19 )
Ranked among companies with meaningful Price/Graham Number only.
FCAP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.6  Med: 0.85 Max: 1.52
Current: 1.19
0.6
1.52
Earnings Yield (Greenblatt) (%) 9.78
FCAP's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 1803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. FCAP: 9.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCAP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 8.10 Max: 22.1
Current: 9.78
0.3
22.1
Forward Rate of Return (Yacktman) (%) 15.92
FCAP's Forward Rate of Return (Yacktman) (%) is ranked higher than
57% of the 844 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.22 vs. FCAP: 15.92 )
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: -4.7  Med: 7.50 Max: 43.8
Current: 15.92
-4.7
43.8

More Statistics

Revenue (TTM) (Mil) $24.43
EPS (TTM) $ 1.81
Beta0.16
Short Percentage of Float0.03%
52-Week Range $23.08 - 35.00
Shares Outstanding (Mil)3.34
» 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
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First Capital, Inc. :FCAP-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
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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 Files SEC form 10-K, Annual Report Mar 29 2016
FIRST CAPITAL INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits 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

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