FCAP · First Capital Inc
Price & Indicators
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Equibles Rating
blended score · not investment adviceBlended 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 NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
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| Interest rate spread | 3.41% | Six months ended June 30, 2026 | — |
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| Interest rate spread (tax-equivalent basis) non-GAAP | 3.48% | Six months ended June 30, 2026 | — |
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| Net interest margin | 3.82% | Six months ended June 30, 2026 | — |
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| Net interest margin (tax-equivalent basis) non-GAAP | 3.9% | Six months ended June 30, 2026 | — |
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| Net overhead expense as a percentage of average assets (annualized) | 2.45% | Six months ended June 30, 2026 | — |
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| Return on average assets (annualized) | 1.43% | Six months ended June 30, 2026 | — |
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| Return on average equity (annualized) | 12.98% | Six months ended June 30, 2026 | — |
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| tax-equivalent yield on interest-earning assets non-GAAP | 5.04% | Six months ended June 30, 2026 | — |
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| Allowance for credit losses as a percentage of gross loans | 1.52% | FY2025 | — |
| Community Bank Leverage Ratio | 11.02% | FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
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
|
$209.21M | +5.8% | +1.6% | — | 2.0% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FCAP | -4.8% | +5.3% | +17.4% | -1.0% | +5.8% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -4.4% | +2.4% | +5.8% | -4.0% | -7.0% |
Capital returns
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.