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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
99% of the 1482 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 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: 0.43 Max: No Debt
Current: No Debt
Equity-to-Asset 0.10
FCAP's Equity-to-Asset is ranked higher than
53% of the 1484 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: 0.11 Max: 0.15
Current: 0.1
0.1
0.15
Interest Coverage 5.33
FCAP's Interest Coverage is ranked higher than
82% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. FCAP: 5.33 )
Ranked among companies with meaningful Interest Coverage only.
FCAP' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 1.85 Max: 7.15
Current: 5.33
0.02
7.15
Piotroski F-Score: 4
WACC vs ROIC
2.98%
16.96%
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 % 31.86
FCAP's Operating Margin % is ranked higher than
54% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.60 vs. FCAP: 31.86 )
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: 31.86
1.07
35.69
Net Margin % 23.27
FCAP's Net Margin % is ranked higher than
55% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.84 vs. FCAP: 23.27 )
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: 23.27
4.27
25.21
ROE % 8.97
FCAP's ROE % is ranked higher than
57% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.26 vs. FCAP: 8.97 )
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: 8.97
1.64
10.14
ROA % 0.93
FCAP's ROA % is ranked higher than
56% of the 1504 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: 0.87 Max: 1.22
Current: 0.93
0.17
1.22
3-Year Revenue Growth Rate 4.70
FCAP's 3-Year Revenue Growth Rate is ranked higher than
56% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.80 vs. FCAP: 4.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FCAP' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 1.9  Med: 5.15 Max: 79.2
Current: 4.7
1.9
79.2
3-Year EBITDA Growth Rate 3.10
FCAP's 3-Year EBITDA Growth Rate is ranked lower than
60% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. FCAP: 3.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FCAP' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -42.7  Med: 3.4 Max: 75
Current: 3.1
-42.7
75
3-Year EPS without NRI Growth Rate 4.00
FCAP's 3-Year EPS without NRI Growth Rate is ranked lower than
59% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. FCAP: 4.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FCAP' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -40.1  Med: 4.5 Max: 71.4
Current: 4
-40.1
71.4
GuruFocus has detected 5 Warning Signs with First Capital Inc $FCAP.
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» FCAP's 10-Y Financials

Financials (Next Earnings Date: 2017-04-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:OTCBB:NWIN, NAS:FSBK, NAS:HFBC, NAS:LSBK, NAS:MSBF, AMEX:BKJ, NAS:KFFB, NAS:PBBI, NAS:HMNF, OTCPK:SFDL, NAS:IROQ, NAS:UCBA, NAS:MLVF, NAS:PBSK, NAS:OFED, NAS:PROV, NAS:ANCB, OTCPK:GRRB, NAS:TSBK, NAS:PBHC » 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
PE Ratio 15.85
FCAP's PE Ratio is ranked lower than
57% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.36 vs. FCAP: 15.85 )
Ranked among companies with meaningful PE Ratio only.
FCAP' s PE Ratio Range Over the Past 10 Years
Min: 9.74  Med: 13.3 Max: 61.11
Current: 15.85
9.74
61.11
PE Ratio without NRI 15.85
FCAP's PE Ratio without NRI is ranked lower than
56% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. FCAP: 15.85 )
Ranked among companies with meaningful PE Ratio without NRI only.
FCAP' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.74  Med: 13.3 Max: 61.11
Current: 15.85
9.74
61.11
Price-to-Owner-Earnings 14.78
FCAP's Price-to-Owner-Earnings is ranked lower than
51% of the 860 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.74 vs. FCAP: 14.78 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FCAP' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.93  Med: 11.54 Max: 84.41
Current: 14.78
2.93
84.41
PB Ratio 1.43
FCAP's PB Ratio is ranked lower than
65% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. FCAP: 1.43 )
Ranked among companies with meaningful PB Ratio only.
FCAP' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.07 Max: 1.51
Current: 1.43
0.71
1.51
PS Ratio 3.68
FCAP's PS Ratio is ranked lower than
56% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. FCAP: 3.68 )
Ranked among companies with meaningful PS Ratio only.
FCAP' s PS Ratio Range Over the Past 10 Years
Min: 1.84  Med: 2.7 Max: 6.49
Current: 3.68
1.84
6.49
Price-to-Free-Cash-Flow 17.38
FCAP's Price-to-Free-Cash-Flow is ranked lower than
68% of the 854 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.08 vs. FCAP: 17.38 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FCAP' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.65  Med: 10.2 Max: 37.55
Current: 17.38
4.65
37.55
Price-to-Operating-Cash-Flow 13.18
FCAP's Price-to-Operating-Cash-Flow is ranked lower than
61% of the 920 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. FCAP: 13.18 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FCAP' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.49  Med: 8.62 Max: 22.54
Current: 13.18
4.49
22.54
EV-to-EBIT 7.78
FCAP's EV-to-EBIT is ranked higher than
69% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.59 vs. FCAP: 7.78 )
Ranked among companies with meaningful EV-to-EBIT only.
FCAP' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.5  Med: 11.1 Max: 286.3
Current: 7.78
4.5
286.3
EV-to-EBITDA 6.91
FCAP's EV-to-EBITDA is ranked higher than
70% of the 1219 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. FCAP: 6.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCAP' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.1  Med: 9.55 Max: 47.1
Current: 6.91
4.1
47.1
PEG Ratio 2.27
FCAP's PEG Ratio is ranked lower than
66% of the 767 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. FCAP: 2.27 )
Ranked among companies with meaningful PEG Ratio only.
FCAP' s PEG Ratio Range Over the Past 10 Years
Min: 0.32  Med: 1.4 Max: 19.83
Current: 2.27
0.32
19.83
Shiller PE Ratio 20.32
FCAP's Shiller PE Ratio is ranked higher than
54% of the 488 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.69 vs. FCAP: 20.32 )
Ranked among companies with meaningful Shiller PE Ratio only.
FCAP' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.66  Med: 14.75 Max: 22.28
Current: 20.32
9.66
22.28

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.58
FCAP's Dividend Yield % is ranked lower than
51% of the 2308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. FCAP: 2.58 )
Ranked among companies with meaningful Dividend Yield % only.
FCAP' s Dividend Yield % Range Over the Past 10 Years
Min: 2.45  Med: 3.86 Max: 5.92
Current: 2.58
2.45
5.92
Dividend Payout Ratio 0.41
FCAP's Dividend Payout Ratio is ranked lower than
64% of the 1308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. FCAP: 0.41 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FCAP' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.41  Med: 0.53 Max: 2.57
Current: 0.41
0.41
2.57
3-Year Dividend Growth Rate 1.60
FCAP's 3-Year Dividend Growth Rate is ranked lower than
72% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. FCAP: 1.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FCAP' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.45 Max: 51.5
Current: 1.6
0
51.5
Forward Dividend Yield % 2.58
FCAP's Forward Dividend Yield % is ranked lower than
56% of the 2276 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.87 vs. FCAP: 2.58 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.92
FCAP's 5-Year Yield-on-Cost % is ranked lower than
54% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. FCAP: 2.92 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FCAP' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.77  Med: 4.37 Max: 6.7
Current: 2.92
2.77
6.7
3-Year Average Share Buyback Ratio -6.30
FCAP's 3-Year Average Share Buyback Ratio is ranked lower than
70% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. FCAP: -6.30 )
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: -0.15 Max: 3
Current: -6.3
-25.4
3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.60
FCAP's Price-to-Tangible-Book is ranked lower than
66% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. FCAP: 1.60 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FCAP' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.84  Med: 1.2 Max: 1.6
Current: 1.6
0.84
1.6
Price-to-Intrinsic-Value-Projected-FCF 0.81
FCAP's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
51% of the 895 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. FCAP: 0.81 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FCAP' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.55  Med: 0.62 Max: 0.97
Current: 0.81
0.55
0.97
Price-to-Median-PS-Value 1.36
FCAP's Price-to-Median-PS-Value is ranked lower than
67% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. FCAP: 1.36 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FCAP' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.83  Med: 1.12 Max: 2.11
Current: 1.36
0.83
2.11
Price-to-Peter-Lynch-Fair-Value 2.30
FCAP's Price-to-Peter-Lynch-Fair-Value is ranked lower than
81% of the 437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. FCAP: 2.30 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FCAP' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.48  Med: 1.61 Max: 2.31
Current: 2.3
0.48
2.31
Price-to-Graham-Number 1.06
FCAP's Price-to-Graham-Number is ranked lower than
57% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. FCAP: 1.06 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FCAP' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.66  Med: 0.84 Max: 1.5
Current: 1.06
0.66
1.5
Earnings Yield (Greenblatt) % 12.85
FCAP's Earnings Yield (Greenblatt) % is ranked higher than
76% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.77 vs. FCAP: 12.85 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FCAP' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 9 Max: 22.1
Current: 12.85
0.3
22.1
Forward Rate of Return (Yacktman) % 13.71
FCAP's Forward Rate of Return (Yacktman) % is ranked higher than
58% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.32 vs. FCAP: 13.71 )
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: -3.2  Med: 10.4 Max: 43.8
Current: 13.71
-3.2
43.8

More Statistics

Revenue (TTM) (Mil) $29.50
EPS (TTM) $ 2.05
Beta0.06
Short Percentage of Float0.04%
52-Week Range $26.54 - 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
FIRST CAPITAL INC Financials Mar 17 2017
First Capital, Inc. :FCAP-US: Earnings Analysis: Q4, 2016 By the Numbers : March 16, 2017 Mar 16 2017
FIRST CAPITAL INC Files SEC form 10-K, Annual Report Mar 14 2017
First Capital, Inc. Announces Quarterly Dividend Feb 22 2017
FIRST CAPITAL INC Files SEC form 8-K, Other Events Feb 22 2017
First Capital, Inc. Announces Date of Annual Meeting Feb 22 2017
First Capital, Inc. : FCAP-US: Dividend Analysis : December 16th, 2016 (record date) : By the... Feb 06 2017
First Capital, Inc. :FCAP-US: Earnings Analysis: 2016 By the Numbers : February 2, 2017 Feb 02 2017
FIRST CAPITAL INC Files SEC form 8-K, Results of Operations and Financial Condition Jan 27 2017
First Capital posts 4Q profit Jan 27 2017
First Capital posts 4Q profit Jan 27 2017
First Capital, Inc. Reports Earnings for 2016 Jan 26 2017
Informativa mensile acquisto azioni proprie Jan 03 2017
Louisville-based First Capital Bank's parent company acquired in $57 million deal Dec 19 2016
FIRST CAPITAL REALTY ANNOUNCES Q3 RESULTS Nov 09 2016
Informativa mensile acquisto azioni proprie Nov 02 2016
First Capital, Inc. :FCAP-US: Earnings Analysis: Q3, 2016 By the Numbers : November 1, 2016 Nov 01 2016
FIRST CAPITAL INC Files SEC form 8-K, Results of Operations and Financial Condition Oct 28 2016
First Capital, Inc. : FCAP-US: Dividend Analysis : September 15th, 2016 (record date) : By the... Oct 21 2016
Informativa mensile acquisto azioni proprie Oct 03 2016

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