FIRST CAPITAL INC(FCAP)Stock Analysis
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Rank #1,158 of 2,879 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
FCAP Stock Analysis & AI Quality Score
AI stock analysis and institutional research for FIRST CAPITAL INC (FCAP), a Financials sector company. 13F Pro's AI-powered ranking engine scores FCAP at 55.4/100 on a 32-signal composite quality model, placing it at rank #1,158 of 2,879 stocks — the top half of the AI-ranked universe. FCAP scores in the top quartile across free cash flow (97.6), profitability (97.4). Areas of concern include revenue scale (2.8) and institutional flow (31.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 47.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), FIRST CAPITAL INC reports quarterly revenue of $13.5M, net income of $4.3M, an operating margin of 39.8%. Top institutional holders of FCAP by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, GEODE CAPITAL MANAGEMENT,, based on the most recent SEC filings. FCAP trades on the Nasdaq exchange and files with the SEC under CIK 1070296. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FCAP daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST CAPITAL INC directly from SEC EDGAR. FIRST CAPITAL INC's 13F Pro composite quality score has ranged between 51 and 56 since 2026, currently 55.4 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.
Revenue
Q1 2026
$13.5M
Net Income
Q1 2026
$4.3M
Free Cash Flow
Q1 2026
$5.9M
Operating Margin
Q1 2026
39.8%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+1.6% YoYNet Income
+37.1% YoYOperating Income
EPS (Diluted)
+37.0% YoYTotal Assets
+7.1% YoYTotal Debt
Op. Cash Flow
-4.7% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $7.2M +1.6% | $7.1M +0.7% | $7.0M -1.9% | $7.1M +10.8% | $6.4M +11.9% | $5.8M |
| Net Income | $16.4M +37.1% | $11.9M -6.6% | $12.8M +7.5% | $11.9M +4.2% | $11.4M +12.8% | $10.1M |
| Operating Income | — | $14.2M -5.9% | $15.1M +5.7% | $14.2M +4.1% | $13.7M +15.6% | $11.8M |
| EPS (Diluted) | $4.89 +37.0% | $3.57 -6.5% | $3.82 +7.6% | $3.55 +4.1% | $3.41 +12.9% | $3.02 |
| Total Assets | $1.27B +7.1% | $1.19B +2.6% | $1.16B +0.6% | $1.15B -0.4% | $1.16B +13.7% | $1.02B |
| Total Debt | $0.00 | $0.00 | — | — | — | — |
| Operating Cash Flow | $21.3M -4.7% | $22.3M +57.8% | $14.2M -14.3% | $16.5M -23.6% | $21.6M +79.4% | $12.1M |
AI Insight: FCAP Financial Trends
Net income climbed from $3M to $5M over six quarters while equity steadily expanded to $138M, signaling durable earnings growth at zero reported debt.
• Net income rose from $3M in Q2 2024 to $5M in Q4 2025, a meaningful step-up over six quarters.
• Equity expanded from $108M in Q2 2024 to $138M in Q1 2026, reflecting consistent retained earnings accumulation.
• Total debt reported as $0M in every quarter where data is available, indicating a debt-free balance sheet.
• Revenue held flat at $2M every quarter — no top-line growth visible across the entire observed period.
⚠ Net income dipped from $5M in Q4 2025 to $4M in Q1 2026 — first sequential decline in several quarters.
⚠ Operating income data is missing for Q4 2025 and Q1 2026, limiting visibility into the latest margin trend.
⚠ Persistent flat revenue at $2M raises questions about organic growth capacity despite improving profitability.
AI Insight: FCAP Ratio Trends
FCAP's ROIC surged from 11.8% in Q3 2024 to 16.8% in Q3 2025 before easing to 15.5% in Q1 2026, signaling durable but moderating profitability improvement.
• ROE expanded from 9.9% in Q3 2024 to a peak of 14.2% in Q4 2025, a 430bp improvement over five quarters.
• ROA improved from 1.0% in Q2–Q3 2024 to 1.5% in Q3–Q4 2025, reflecting stronger asset utilization.
• ROIC rose from 11.8% in Q3 2024 to 16.8% in Q3 2025, then pulled back to 15.5% in Q1 2026.
• D/E reads 0.00 across all available quarters, indicating the bank carries negligible financial leverage.
⚠ ROE slipped from 14.2% in Q4 2025 to 12.6% in Q1 2026 — monitor whether this is seasonal or a trend reversal.
⚠ ROIC declined 130bp from Q3 2025 to Q1 2026; confirm whether Q3 2025 represented a cyclical peak.
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Available Research
13F Pro tracks comprehensive data for FIRST CAPITAL INC including:
Top Institutional Holders of FCAP
BlackRock, Inc.
$8.6M174,008 shVANGUARD CAPITAL MANAGEMENT LLC
$7.4M149,423 shGEODE CAPITAL MANAGEMENT, LLC
$4.0M80,508 shSiena Capital Partners GP, LLC
$3.2M65,421 shSTATE STREET CORP
$2.3M46,360 shFarther Finance Advisors, LLC
$1.9M38,398 shBRIDGEWAY CAPITAL MANAGEMENT, LLC
$1.8M35,887 shHighTower Advisors, LLC
$1.4M28,128 shDIMENSIONAL FUND ADVISORS LP
$1.2M24,849 shNORTHERN TRUST CORP
$1.2M23,924 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $8.6M | 174,008 |
| VANGUARD CAPITAL MANAGEMENT LLC | $7.4M | 149,423 |
| GEODE CAPITAL MANAGEMENT, LLC | $4.0M | 80,508 |
| Siena Capital Partners GP, LLC | $3.2M | 65,421 |
| STATE STREET CORP | $2.3M | 46,360 |
| Farther Finance Advisors, LLC | $1.9M | 38,398 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1.8M | 35,887 |
| HighTower Advisors, LLC | $1.4M | 28,128 |
| DIMENSIONAL FUND ADVISORS LP | $1.2M | 24,849 |
| NORTHERN TRUST CORP | $1.2M | 23,924 |
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Popular Research
Is FCAP a good stock to buy?
13F Pro's AI-powered analysis of FIRST CAPITAL INC (FCAP) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FCAP are available on the FCAP stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own FCAP?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FCAP. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST CAPITAL INC's investment landscape.