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First CapitalFCAP +0.61%68 3-Year Book Growth Rate is 17.70% as of Jun. 2026, which is 293% above its 10-year median of 4.50. GuruFocus rates FCAP with a GF Score™ of 68/100 and a GF Value™ of $46.84 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,488 Banks companies, First Capital ranks better than 85.42% on this metric.
During the past 12 months, First Capital's average Book Value per Share Growth Rate was 16.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 17.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 4.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 5.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of First Capital was 17.70% per year. The lowest was -16.30% per year. And the median was 4.50% per year.
First Capital (NAS:FCAP) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
First Capital 3-Year Book Growth Rate Related Terms
FCAP vs PSBQ, OAKC, PBNC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, First Capital's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Capital 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First Capital's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where First Capital's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 17.70% mean?
First Capital (FCAP) has a 3-Year Book Growth Rate of 17.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Capital and its competitors. This is 293% above median its historical median of 4.50. According to the industry distribution chart, First Capital ranks #217 out of 1488 companies in the Banks industry, placing it in the top 14.6%.
Is First Capital's 3-Year Book Growth Rate too high?
First Capital's current 3-Year Book Growth Rate of 17.70% is 293% above median its 10-year median of 4.50. The Banks industry median 3-Year Book Growth Rate is 8.80. First Capital's value of 17.70% is 101.1% above this industry median. Based on the distribution chart, First Capital ranks #217 out of 1488 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Capital has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Capital's 3-Year Book Growth Rate compare to PSBQ and OAKC?
According to the Banks industry distribution chart, First Capital ranks #217 out of 1488 companies for 3-Year Book Growth Rate. This places First Capital in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. First Capital's value of 17.70% is 101.1% above this benchmark. While the company's 10-year median is 4.50 vs. the industry median of 8.80, First Capital has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,488 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital's current 3-Year Book Growth Rate of 17.70% is 101.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Capital and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital's current 3-Year Book Growth Rate is 17.70%, which is 293% above median its own 10-year median of 4.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Capital stock overvalued right now?
Based on GuruFocus' analysis, First Capital (FCAP) is currently considered Significantly Overvalued. The stock's GF Value™ is $46.84, compared to a current price of $62.99 — trading 34.5% above its estimated fair value. The current 3-Year Book Growth Rate is 17.70%, which is 293% above median its 10-year median of 4.50 and 101.1% above the Banks industry median of 8.80. First Capital's overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For First Capital (FCAP), the current 3-Year Book Growth Rate is 17.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Capital (FCAP) Overvalued in 2026?
Based on GuruFocus' analysis, First Capital stock appears to be overvalued.
The current stock price of $62.99 is trading 34.5% above its estimated GF Value™ of $46.84.
GuruFocus considers First Capital to be Significantly Overvalued.
Key valuation signals for FCAP:
3-Year Book Growth Rate: 17.70% (293% above median its 10-year median of 4.50)
GF Value™: $46.84 vs. price of $62.99 (34.5% above fair value)
Industry Position: 101.1% above the Banks median (#217 of 1488)
No single metric tells the full story. See the FCAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Capital Inc is an Indiana chartered commercial bank that provides a variety of banking services to individuals and businesses. It provides retail and business banking, residential mortgage lending, real estate finance, and asset-based lending. The bank's primary source of revenue is real estate mortgage loans.
68GF Score
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