FIRST CAPITAL INC (FCAP)
Financials · Community banking; residential mortgage origination and servicing · NASDAQ
A community bank specializing in residential mortgage origination and real estate lending with a focus on its primary market area.
What FIRST CAPITAL INC does
First Capital, Inc. is a community bank holding company that originates and services residential mortgage loans, including fixed-rate mortgages and adjustable-rate mortgages (ARMs), as well as construction loans and commercial real estate loans. The bank operates a deposit-taking and lending business focused on real estate financing, serving its primary market area with both traditional residential and commercial loan products.
Themes: ["Community banking","Residential mortgage origination and servicing","Real estate lending","Deposit banking"]
Fundamentals
- Price$61.99 as of 2026-07-09 close
- Market cap$200M as of 2026-07-10
- 1-year return+41.2% as of 2026-07-09 close
- P/E11.46 as of 2026-07-10
- ROE+13.1% as of 2026-07-10
- Debt / equity0.00 as of 2026-07-10
- Beta0.73 as of 2026-07-10
Dividend: yield +2.0%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Construction loan credit risk from cost overruns, collateral value estimation difficulties, and speculative loan exposure with no identified buyer at origination","Interest rate risk and duration mismatch on fixed-rate mortgages and deposit-funded lending portfolio","Economic downturn impacts on borrower ability to service debt and demand for construction and real estate loans"]
Competitors & peers
- Regional and community banks in residential mortgage lending (specific competitors not named in filing)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.