FCAP · First Capital Inc
$63.20
+2.46 (+4.05%)
At close · Jul 27
Market Cap
$203.14M
Shares
3.35M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$63.20
Open$59.48
Day$59.48–63.34
52W$33.10–70.53
Avg vol 30d12K
Short int56K · 1.7% float · 7.3d
Short vol75%
DataJan 2020–Jul 2026
Filing10-Q · May 12
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 12, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
High
Market backdrop
VIX 18.7 · elevated
Equity put/call 0.66
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+3%
above
RSI (14)
55
neutral
MACD trend
Negative
52-week position
80%
mid-range
Momentum
relative strength
1-month return
0%
trailing
6-month return
+8%
trailing
YTD return
+7%
this year
Relative strength
+1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $61 › 200d $54 — 50d above 200d
Institutional flow
Distributing
7 of 59 funds reported for Jun 30 · net -747 sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
1.67% of float · ▲ +25.9% MoM · 7.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
59 holders — near 3-yr high, broad support
Squeeze score
65
elevated · 0–100
Fundamentals
Revenue growth
+2%
Y/Y
EPS growth
+37%
Y/Y
Free cash flow
$19.9M
Valuation
P/E 11.6
below peers
Quant / Vol
risk profile
Volatility
46%
annualized · 1-yr
Max drawdown
−33%
past year
ATR
3.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
55
Neutral
MACD trend
Negative
Bearish
52-week position
80%
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $61 › 200d $54 — 50d above 200d
Institutional flow
Distributing
7 of 59 funds reported for Jun 30 · net -747 sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
1.67% of float · ▲ +25.9% MoM · 7.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
59 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $33
Now $63 · 80%
52-wk high $71
vs 200-day avg +17%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| average balance of interest-bearing liabilities | $904.4M | six months ended June 30, 2026 | — |
| average balance of interest-earning assets | $1.23B | six months ended June 30, 2026 | — |
| average cost of interest-bearing liabilities | 1.56% | six months ended June 30, 2026 | — |
| average tax-equivalent yield on interest-earning assets non-GAAP | 5.04% | six months ended June 30, 2026 | — |
| effective tax rate | 20.8% | three months ended June 30, 2026 | — |
| net charge-offs | $169,000 | six months ended June 30, 2026 | — |
| provision for credit losses | $775,000 | six months ended June 30, 2026 | — |
| tax-equivalent net interest margin non-GAAP | 3.98% | three months ended June 30, 2026 | — |
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| Net interest margin (tax-equivalent basis) non-GAAP | 3.81% | Three Months Ended March 31, 2026 | — |
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| tax-equivalent yield on interest-earning assets non-GAAP | 4.96% | the first quarter of 2026 | — |
| Allowance for credit losses as a percentage of gross loans | 1.52% | FY2025 | — |
| Community Bank Leverage Ratio | 11.02% | FY2025 | — |
| Interest rate spread | 3.12% | FY2025 | — |
| Interest rate spread (tax-equivalent basis) non-GAAP | 3.19% | FY2025 | — |
| Net interest margin | 3.54% | FY2025 | — |
| Net overhead expense as a percentage of average assets (annualized) | 2.41% | FY2025 | — |
| Return on average assets (annualized) | 1.34% | FY2025 | — |
| Return on average equity (annualized) | 13.18% | FY2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FCAP
this stock
First Capital Inc
|
$203.14M | +7.5% | +1.6% | 11.6 | 1.7% |
|
MFG
Mizuho Financial Group Inc
|
$129.50B | +44.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$119.29B | -36.5% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$105.84B | +0.3% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.79B | +20.5% | +7.2% | 14.6 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FCAP | +3.1% | +0.3% | +8.0% | -2.2% | +7.5% |
| SPY | -0.6% | +0.7% | +6.8% | -1.0% | +8.4% |
| vs SPY | +3.7% | -0.3% | +1.2% | -1.2% | -0.9% |
Capital returns
Latest dividend
$0.31
/ share · ex Jun 12, 2026
Paid (TTM)
$1.24
/ share · 4 payouts
Dividend yield (TTM, derived)
1.96%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.