First Capital Inc (FCAP)
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Basics
Performance
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
NeutralGeprüft am 10.07.2026 gegen den Geschäftsbericht (10-K) Geschäftsjahr 2025 (eingereicht 31.03.2026) und den jüngsten Quartalsbericht (10-Q) zum 31.03.2026 (eingereicht 12.05.2026): In den ausgewerteten SEC-Filings von First Capital, Inc. (Holding der First Harrison Bank, Corydon/Indiana) findet sich kein wesentlicher KI-Bezug. Die Volltextsuche nach „artificial intelligence“ und „machine learning“ ergibt in beiden Dokumenten null Treffer — weder KI als Umsatzquelle noch dokumentierter operativer KI-Einsatz noch ein konkretes KI-Geschäftsrisiko fürs eigene Modell. Das ist bei einer 1891 gegründeten, dünn gehandelten Kleinstadt-Regionalbank mit rund 1,28 Milliarden US-Dollar Bilanzsumme, klassischem Einlagen-, Immobilien- und Wertpapiergeschäft ein erwartbarer Negativ-Befund. Nach dem Kriterienkatalog bleibt es damit bei „neutral“ (dokumentierter Negativ-Befund, geprüfte Filings gelistet, keine belastbaren Treffer).
View the full file — quotes, sources, reviewed filings
Filings Reviewed: 10-K 2026-03-31 · 10-Q 2026-05-12 · 10-Q 2025-11-14 · 10-Q 2025-08-14 · 10-Q 2025-05-14 · 10-K 2025-03-31
Rated on July 10, 2026 · How the Rating Is Built
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.97 | 4.90 | 15 | 12.30 | 21.60 | 4 | 4 |
| 2025: Q1 | 0.97 | 9.60 | 15 | 10.50 | 21.30 | 4 | 4 |
| 2025: Q2 | 1.13 | 33.50 | 16 | 12.70 | 23.50 | 4 | 4 |
| 2025: Q3 | 1.34 | 54.50 | 17 | 12.90 | 26.40 | 8 | 8 |
| 2025: Q4 | 1.46 | 49.60 | 17 | 13.00 | 28.50 | 5 | 5 |
| 2026: Q1 | 1.29 | 33.80 | 17 | 11.80 | 25.50 | 6 | 6 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
First Capital, Inc. ist die Bankholding der First Harrison Bank, die Privatpersonen und Geschäftskunden in Indiana und Kentucky (USA) verschiedene Bankdienstleistungen anbietet.
| Employees | 176 |
|---|---|
| Headquarters | Corydon, IN |
| Website | firstharrison.com |
| IPO Date | 4. Jan 1999 |
| Next Earnings | 24. Jul 2026 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Michael Chris Frederick | CEO, President & Director | 1968 |
| Joshua P. Stevens CPA | Executive VP, CFO & Treasurer | – |
| Joseph D. Mahuron | Chief Credit Officer | 1971 |
| Angie Jett | Chief Operating Officer | – |
| Jennifer S. Incantalupo | Chief Information Officer | – |
| Terri Vorbrink | Corporate Secretary, HR & Administration Officer | – |
| Jeff Hayes | Director of Business Development | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.