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First CapitalFCAP -0.16%67 OCF Margin % is 29.74% as of Jun. 2026, which is 27% below its 10-year median of 40.77. 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. Among 1,495 Banks companies, First Capital ranks better than 68.23% on this metric.
The historical data trend for First Capital's OCF Margin % can be seen below:
* 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.
For the Banks - Regional subindustry, First Capital's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Capital's OCF Margin % distribution charts can be found below:
* The bar in red indicates where First Capital's OCF Margin % falls into.
* 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.
First Capital (FCAP) has a OCF Margin % of 29.74% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Capital and its competitors. This is 27% below median its historical median of 40.77. Over the past decade, First Capital's OCF Margin % has ranged from 28.07 to 57.10. According to the industry distribution chart, First Capital ranks #475 out of 1495 companies in the Banks industry, placing it in the top 31.8%.
Is First Capital's OCF Margin % too high?
First Capital's current OCF Margin % of 29.74% is 27% below median its 10-year median of 40.77. Over the past 10 years, this metric has ranged from a low of 28.07 to a high of 57.10. The Banks industry median OCF Margin % is 30.43. First Capital's value of 29.74% is 2.3% below this industry median. Based on the distribution chart, First Capital ranks #475 out of 1495 companies in the Banks industry, which is above the industry midpoint. 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 OCF Margin % compare to PSBQ and OAKC?
According to the Banks industry distribution chart, First Capital ranks #475 out of 1495 companies for OCF Margin %. This puts First Capital in the upper half of its industry. The industry median OCF Margin % is 30.43. First Capital's value of 29.74% is 2.3% below this benchmark. Historically, First Capital's own OCF Margin % has ranged from 28.07 to 57.10 over the past decade. While the company's 10-year median is 40.77 vs. the industry median of 30.43, First Capital has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.43, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital's current OCF Margin % of 29.74% is 2.3% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Capital and its competitors. For the Banks industry, the median OCF Margin % is 30.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital's current OCF Margin % is 29.74%, which is 27% below median its own 10-year median of 40.77. 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 OCF Margin % is 29.74%, which is 27% below median its 10-year median of 40.77 and 2.3% below the Banks industry median of 30.43. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Capital (FCAP), the current OCF Margin % is 29.74% 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 $62.60 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:
OCF Margin %: 29.74% (27% below median its 10-year median of 40.77)
GF Value™: $46.65 vs. price of $62.60 (34.2% above fair value)
Industry Position: 2.3% below the Banks median (#475 of 1495)
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.
67GF Score
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