First Capital, Inc. (FCAP) Stock Score, Valuation & Financial Research
First Capital, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 75/100.
Quick answer for FCAP
First Capital, Inc. currently has a Wall Street Score of 75/100. The stored market price is $62.65. Its financial score is 75/100. Its valuation score is 97/100. The latest WSS change is -0.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What First Capital, Inc. does
First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company provides various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also offers residential mortgage loans; construction loans for residential and commercial properties; and commercial real estate and business loans. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it provides various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; u
FCAP financial snapshot
- Wall Street Score:
- 75/100
- Current price:
- $62.65
- Market capitalization:
- $209.6M
- Revenue:
- $68.9M
- Net income:
- $18.4M
- Free cash flow:
- $19.9M
- Cash:
- $149.8M
- Total debt:
- $0
- EPS:
- 5.53
- P/E ratio:
- 11.3x
- Financial score:
- 75/100
- Valuation score:
- 97/100
- Revenue score:
- 38/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $19.9M, showing positive cash generation.
- The balance sheet shows $149.8M of cash versus $0 of total debt, leaving more cash than debt.
- The latest Wall Street Score change is -0.1 points: FCAP decreased 0.1 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 75/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research FCAP
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.