FCAP (First Capital) Margin of Safety % (DCF Dividends Based): -8.98% (As of Aug. 21, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FCAP First Capital Inc FCAP
67 GF Score
Price $62.60
GF Value $46.65
Valuation Significantly Overvalued
! 1 Warning Sign
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What is First Capital Margin of Safety % (DCF Dividends Based)?

First Capital FCAP -0.16% 67 Margin of Safety % (DCF Dividends Based) is -8.98% as of Aug. 21, 2026. GuruFocus rates FCAP with a GF Score™ of 67/100 and a GF Value™ of $46.65 (Significantly Overvalued). The stock has 1 warning sign investors should review.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-08-21), First Capital's Predictability Rank is 4-Stars. First Capital's intrinsic value calculated from the Discounted Dividend model is $76.10 and current share price is $62.60. Consequently,

First Capital's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is -8.98%.

FCAP vs PSBQ, OAKC, FOTB: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, First Capital's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, First Capital's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where First Capital's Margin of Safety % (DCF Dividends Based) falls into.


FCAP
67GF Score
First Capital Inc FCAP
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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First Capital Margin of Safety % (DCF Dividends Based) Calculation

First Capital's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(57.44-62.60)/57.44
=-8.98 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of -8.98% mean?
First Capital (FCAP) has a Margin of Safety % (DCF Dividends Based) of -8.98% as of Aug. 21, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on First Capital.
Is First Capital's Margin of Safety % (DCF Dividends Based) too high?
First Capital's current Margin of Safety % (DCF Dividends Based) is -8.98%. Overall, First Capital has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Capital's Margin of Safety % (DCF Dividends Based) compare to PSBQ and OAKC?
First Capital's Margin of Safety % (DCF Dividends Based) of -8.98% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on First Capital. First Capital's current Margin of Safety % (DCF Dividends Based) is -8.98%. 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 $46.65, compared to a current price of $62.60 — trading 34.2% above its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is -8.98%. First Capital's overall GF Score™ is 67/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For First Capital (FCAP), the current Margin of Safety % (DCF Dividends Based) is -8.98% as of Aug. 21, 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 $62.60 is trading 34.2% above its estimated GF Value™ of $46.65. GuruFocus considers First Capital to be Significantly Overvalued.

Key valuation signals for FCAP:

  • Margin of Safety % (DCF Dividends Based): -8.98%
  • GF Value™: $46.65 vs. price of $62.60 (34.2% above fair value)
  • GF Score™: 67/100 with 1 warning sign

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 Business Description

Address 220 Federal Drive, N.W, Corydon, IN, USA, 47112
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.
67GF Score

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Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$62.60
Price
$46.65
GF Value