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.
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.
First CapitalFCAP -0.16%67 OCF Yield % is 11.35 as of Aug. 21, 2026, which is 4% above its 10-year median of 10.96. 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 1,493 Banks companies, First Capital ranks better than 60.01% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
First Capital OCF Yield % Related Terms
First Capital OCF Yield % Historical Data
* Premium members only.
The historical data trend for First Capital's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, First Capital's OCF Yield % distribution charts can be found below:
* The bar in red indicates where First Capital's OCF Yield % 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 Yield % of 11.35 as of Aug. 21, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on First Capital and its competitors. This is near median its historical median of 10.96. Over the past decade, First Capital's OCF Yield % has ranged from 4.83 to 23.79. According to the industry distribution chart, First Capital ranks #597 out of 1493 companies in the Banks industry, placing it in the top 40%.
Is First Capital's OCF Yield % too high?
First Capital's current OCF Yield % of 11.35 is near median its 10-year median of 10.96. Over the past 10 years, this metric has ranged from a low of 4.83 to a high of 23.79. The Banks industry median OCF Yield % is 9.29. First Capital's value of 11.35 is 22.2% above this industry median. Based on the distribution chart, First Capital ranks #597 out of 1493 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 Yield % compare to PSBQ and OAKC?
According to the Banks industry distribution chart, First Capital ranks #597 out of 1493 companies for OCF Yield %. This puts First Capital in the upper half of its industry. The industry median OCF Yield % is 9.29. First Capital's value of 11.35 is 22.2% above this benchmark. Historically, First Capital's own OCF Yield % has ranged from 4.83 to 23.79 over the past decade. While the company's 10-year median is 10.96 vs. the industry median of 9.29, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.29, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital's current OCF Yield % of 11.35 is 22.2% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on First Capital and its competitors. For the Banks industry, the median OCF Yield % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital's current OCF Yield % is 11.35, which is near median its own 10-year median of 10.96. 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 Yield % is 11.35, which is near median its 10-year median of 10.96 and 22.2% above the Banks industry median of 9.29. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For First Capital (FCAP), the current OCF Yield % is 11.35 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:
OCF Yield %: 11.35 (near median its 10-year median of 10.96)
GF Value™: $46.65 vs. price of $62.60 (34.2% above fair value)
Industry Position: 22.2% above the Banks median (#597 of 1493)
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
Get the complete analysis for FCAP
OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FCAP has been successfully added to your 
