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FCAP

First Capital, Inc.

Financial Services · $212M market cap

Verdict

Share price

$62.90

close of Oct 3, 2026

Fair value

$84.73

Sticker Price

Payback Price

$33.89

buy price

Undervalued

FCAP is Undervalued: at $62.90 it trades 26% below its fair value of $84.73. Its buy price (Payback Price) is $33.89, 46% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth9.5% a year✗
Equity per share growth4.9% a year✗
Sales growth4.6% a year✗
Free cash flow growth9.4% a year✗
Return on invested capital10.3%✓

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About First Capital, Inc.

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company provides various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works