FCAP (First Capital) 5-Year Yield-on-Cost %: 2.43 (As of Aug. 21, 2026) — 20% Below Median

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FCAP First Capital Inc FCAP
67 GF Score
Price $62.40
GF Value $46.65
Valuation Significantly Overvalued
! 1 Warning Sign
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What is First Capital 5-Year Yield-on-Cost %?

First Capital FCAP -0.32% 67 5-Year Yield-on-Cost % is 2.43 as of Aug. 21, 2026, which is 20% below its 10-year median of 3.03. 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 1,248 Banks companies, First Capital ranks worse than 74.76% on this metric.

First Capital's yield on cost for the quarter that ended in Jun. 2026 was 2.43.


The historical rank and industry rank for First Capital's 5-Year Yield-on-Cost % or its related term are showing as below:

FCAP' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.55   Med: 3.03   Max: 5.51
Current: 2.43


During the past 13 years, First Capital's highest Yield on Cost was 5.51. The lowest was 1.55. And the median was 3.03.


FCAP's 5-Year Yield-on-Cost % is ranked worse than
74.76% of 1248 companies
in the Banks industry
Industry Median: 3.87 vs FCAP: 2.43

First Capital  (NAS:FCAP) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


First Capital 5-Year Yield-on-Cost % Related Terms


FCAP vs PSBQ, OAKC, FOTB: 5-Year Yield-on-Cost % Comparison

For the Banks - Regional subindustry, First Capital's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry

For the Banks industry and Financial Services sector, First Capital's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where First Capital's 5-Year Yield-on-Cost % falls into.


FCAP
67GF Score
First Capital Inc FCAP
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Capital 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of First Capital is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 2.43 mean?
First Capital (FCAP) has a 5-Year Yield-on-Cost % of 2.43 as of Aug. 21, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Capital and its competitors. This is 20% below median its historical median of 3.03. Over the past decade, First Capital's 5-Year Yield-on-Cost % has ranged from 1.55 to 5.51. According to the industry distribution chart, First Capital ranks #933 out of 1248 companies in the Banks industry, placing it in the top 74.8%.
Is First Capital's 5-Year Yield-on-Cost % too high?
First Capital's current 5-Year Yield-on-Cost % of 2.43 is 20% below median its 10-year median of 3.03. Over the past 10 years, this metric has ranged from a low of 1.55 to a high of 5.51. The Banks industry median 5-Year Yield-on-Cost % is 3.87. First Capital's value of 2.43 is 37.2% below this industry median. Based on the distribution chart, First Capital ranks #933 out of 1248 companies in the Banks industry, which is below 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 5-Year Yield-on-Cost % compare to PSBQ and OAKC?
According to the Banks industry distribution chart, First Capital ranks #933 out of 1248 companies for 5-Year Yield-on-Cost %. This places First Capital in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. First Capital's value of 2.43 is 37.2% below this benchmark. Historically, First Capital's own 5-Year Yield-on-Cost % has ranged from 1.55 to 5.51 over the past decade. While the company's 10-year median is 3.03 vs. the industry median of 3.87, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,248 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Capital's current 5-Year Yield-on-Cost % of 2.43 is 37.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Capital and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Capital's current 5-Year Yield-on-Cost % is 2.43, which is 20% below median its own 10-year median of 3.03. 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 $62.40 — trading 33.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.43, which is 20% below median its 10-year median of 3.03 and 37.2% below the Banks industry median of 3.87. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Capital (FCAP), the current 5-Year Yield-on-Cost % is 2.43 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 $62.40 is trading 33.8% above its estimated GF Value™ of $46.65. GuruFocus considers First Capital to be Significantly Overvalued.

Key valuation signals for FCAP:

  • 5-Year Yield-on-Cost %: 2.43 (20% below median its 10-year median of 3.03)
  • GF Value™: $46.65 vs. price of $62.40 (33.8% above fair value)
  • GF Score™: 67/100 with 1 warning sign
  • Industry Position: 37.2% below the Banks median (#933 of 1248)

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

Get the complete analysis for FCAP

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$62.40
Price
$46.65
GF Value