First Capital Inc - Understand $fcap stock

$FCAP Market Cap: $106.3 Million

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Financial Snapshot

Revenue

$16.91M

TTM

Gross Margin

Net Earnings

$11.79M

TTM

Current Assets

Current Liabilities

$8.538M

Q3 2024

Current Ratio

Total Assets

$1.189B

Q3 2024

Total Liabilities

$1.072B

Q3 2024

Book Value

$116.9M

Q3 2024

Cash

$89.94M

Q3 2024

P/E

9.014

Nov 29, 2024 EST

Free Cash Flow

$18.66M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue	$7.009M	$7.145M	$29.46M	$29.65M	$32.05M	$28.89M	$26.42M	$25.09M	$18.71M		$18.41M	$18.80M	$20.27M
YoY Change	-1.9%	-75.75%	-0.63%	-7.51%	10.97%	9.33%	5.29%	34.1%			-2.07%	-7.27%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2013	2012	2011
Revenue	$7.009M	$7.145M	$29.46M	$29.65M	$32.05M	$28.89M	$26.42M	$25.09M	$18.71M	$18.41M	$18.80M	$20.27M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$882.0K	$1.070M	$996.0K	$1.100M	$923.0K	$1.100M	$1.100M	$1.000M	$744.0K	$700.0K	$707.0K	$726.0K	$751.0K	$900.0K	$980.0K	$890.0K	$760.0K	$750.0K	$820.0K	$820.0K	$720.0K	$480.0K	$460.0K	$490.0K	$200.0K	$180.0K	$100.0K
YoY Change	-17.57%	7.43%	-9.45%	19.18%	-16.09%	0.0%	10.0%	34.41%	6.29%	-0.99%	-2.62%	-3.33%	-16.56%	-8.16%	10.11%	17.11%	1.33%	-8.54%	0.0%	13.89%	50.0%	4.35%	-6.12%	145.0%	11.11%	80.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit	$15.05M	$14.24M	$13.68M	$11.84M	$12.33M	$10.66M	$10.56M	$9.400M	$7.175M		$7.342M	$5.494M	$5.528M
YoY Change	5.73%	4.08%	15.55%	-3.97%	15.62%	0.99%	12.29%	31.01%			33.64%	-0.62%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2013	2012	2011
Interest Expense	$9.017M	$1.594M	$1.128M	$1.561M	$1.960M	$1.611M	$1.392M	$1.763M	$1.004M	$1.653M	$2.465M	$3.760M
YoY Change	465.68%	41.31%	-27.74%	-20.36%	21.66%	15.73%	-21.04%	75.6%		-32.94%	-34.44%
% of Operating Profit	59.91%	11.2%	8.25%	13.19%	15.9%	15.11%	13.19%	18.76%	13.99%	22.51%	44.87%	68.02%
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$15.05M	$14.24M	$2.247M	$1.771M	$3.827M	$5.519M	$10.56M	$9.400M	$7.180M	$7.920M	$7.340M	$5.490M	$5.530M	$5.440M	$190.0K	$5.100M	$5.000M	$5.580M	$5.600M	$5.230M	$5.400M	$5.010M	$4.810M	$3.640M	$1.630M	$1.550M	$940.0K	$1.350M
YoY Change	5.73%	533.51%	26.88%	-53.72%	-30.66%	-47.74%	12.34%	30.92%	-9.34%	7.9%	33.7%	-0.72%	1.65%	2763.16%	-96.27%	2.0%	-10.39%	-0.36%	7.07%	-3.15%	7.78%	4.16%	32.14%	123.31%	5.16%	64.89%	-30.37%	-5.59%
Income Tax	$2.248M	$2.320M	$2.240M	$1.692M	$1.987M	$1.394M	$3.103M	$2.523M	$1.964M	$2.310M	$2.255M	$1.559M	$1.543M	$1.560M	-$590.0K	$1.530M	$1.590M	$1.870M	$1.910M	$1.800M	$1.870M	$1.760M	$1.710M	$1.180M	$630.0K	$590.0K	$130.0K	$500.0K
% Of Pretax Income	14.94%	16.3%	99.69%	95.54%	51.92%	25.26%	29.38%	26.84%	27.35%	29.17%	30.72%	28.4%	27.9%	28.68%	-310.53%	30.0%	31.8%	33.51%	34.11%	34.42%	34.63%	35.13%	35.55%	32.42%	38.65%	38.06%	13.83%	37.04%
Net Earnings	$12.79M	$11.90M	$11.42M	$10.13M	$10.33M	$9.253M	$7.439M	$6.864M	$5.198M	$5.590M	$5.074M	$3.922M	$3.972M	$3.870M	$770.0K	$3.570M	$3.410M	$3.710M	$3.690M	$3.430M	$3.530M	$3.250M	$3.100M	$2.460M	$1.000M	$960.0K	$810.0K	$850.0K
YoY Change	7.46%	4.18%	12.76%	-1.88%	11.59%	24.38%	8.38%	32.05%	-7.01%	10.17%	29.37%	-1.26%	2.64%	402.6%	-78.43%	4.69%	-8.09%	0.54%	7.58%	-2.83%	8.62%	4.84%	26.02%	146.0%	4.17%	18.52%	-4.71%	-5.56%
Net Earnings / Revenue	182.48%	166.58%	38.78%	34.17%	32.21%	32.03%	28.15%	27.35%	27.78%		27.56%	20.86%	19.59%
Basic Earnings Per Share	$3.82	$3.55	$3.41	$3.03	$3.10	$2.78	$2.24	$2.05	$1.87		$1.82	$1.41	$1.43
Diluted Earnings Per Share	$3.82	$3.55	$3.41	$3.02	$3.09	$2.77	$2.23	$2.05	$1.87	$2.025M	$1.82	$1.41	$1.43	$1.387M	$277.0K	$1.266M	$1.201M	$1.302M	$1.295M	$1.114M	$1.169M	$1.178M	$1.136M	$911.1K	$714.3K	$676.1K	$570.4K	$598.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$14.44M	$14.71M	$15.20M	$16.00M	$16.40M	$14.40M	$15.00M	$14.80M	$13.90M	$10.20M	$10.30M	$10.80M	$10.70M	$11.00M	$11.60M	$11.40M	$10.60M	$9.200M	$9.300M	$9.900M	$10.30M	$7.000M	$5.900M	$6.200M	$6.500M	$2.600M	$2.400M	$2.400M
YoY Change	-1.86%	-3.22%	-5.0%	-2.44%	13.89%	-4.0%	1.35%	6.47%	36.27%	-0.97%	-4.63%	0.93%	-2.73%	-5.17%	1.75%	7.55%	15.22%	-1.08%	-6.06%	-3.88%	47.14%	18.64%	-4.84%	-4.62%	150.0%	8.33%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$1.158B	$1.151B	$1.157B	$1.018B	$827.5M	$794.2M	$759.0M	$743.7M	$715.8M	$472.8M	$444.4M	$459.1M	$438.9M	$452.4M	$455.5M	$458.6M	$453.2M	$457.1M	$438.4M	$425.3M	$409.1M	$308.6M	$282.8M	$248.6M	$222.8M	$94.00M	$89.40M	$89.40M
YoY Change
Accounts Payable	$1.209M	$123.0K	$100.0K	$200.0K	$200.0K	$200.0K	$100.0K	$100.0K	$200.0K	$100.0K	$200.0K	$300.0K	$400.0K	$600.0K	$1.000M	$1.400M	$1.900M	$1.900M	$1.500M	$1.300M	$1.200M	$1.100M	$1.300M	$1.300M	$1.000M	$400.0K	$200.0K	$200.0K
YoY Change	882.93%	23.0%	-50.0%	0.0%	0.0%	100.0%	0.0%	-50.0%	100.0%	-50.0%	-33.33%	-25.0%	-33.33%	-40.0%	-28.57%	-26.32%	0.0%	26.67%	15.38%	8.33%	9.09%	-15.38%	0.0%	30.0%	150.0%	100.0%	0.0%
Accrued Expenses	$4.615M	$5.611M	$7.000M	$6.200M	$6.200M	$6.400M	$3.200M	$3.000M	$4.000M	$2.800M	$2.200M	$2.400M	$1.600M	$1.300M	$1.300M	$1.400M	$1.100M	$1.300M	$1.000M	$1.100M	$900.0K	$1.100M	$900.0K	$700.0K	$900.0K	$500.0K	$600.0K	$600.0K
YoY Change	-17.75%	-19.84%	12.9%	0.0%	-3.13%	100.0%	6.67%	-25.0%	42.86%	27.27%	-8.33%	50.0%	23.08%	0.0%	-7.14%	27.27%	-15.38%	30.0%	-9.09%	22.22%	-18.18%	22.22%	28.57%	-22.22%	80.0%	-16.67%	0.0%
Deferred Revenue
YoY Change
Short-Term Debt										$0.00	$9.300M	$14.10M	$9.100M	$8.700M	$7.900M	$4.600M	$15.60M	$19.20M	$10.70M	$600.0K	$500.0K	$500.0K	$300.0K	$0.00
YoY Change										-100.0%	-34.04%	54.95%	4.6%	10.13%	71.74%	-70.51%	-18.75%	79.44%	1683.33%	20.0%	0.0%	66.67%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$5.824M	$5.734M	$7.100M	$6.400M	$6.400M	$6.600M	$3.300M	$3.100M	$4.200M	$2.900M	$2.400M	$2.700M	$2.000M	$1.900M	$2.300M	$2.800M	$3.000M	$3.200M	$2.500M	$2.400M	$2.100M	$2.200M	$2.200M	$2.000M	$1.900M	$1.100M	$900.0K	$800.0K
YoY Change	1.57%	-19.24%	10.94%	0.0%	-3.03%	100.0%	6.45%	-26.19%	44.83%	20.83%	-11.11%	35.0%	5.26%	-17.39%	-17.86%	-6.67%	-6.25%	28.0%	4.17%	14.29%	-4.55%	0.0%	10.0%	5.26%	72.73%	22.22%	12.5%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Total Liabilities	$1.053B	$1.066B	$1.043B	$906.9M	$728.7M	$708.3M	$678.0M	$667.9M	$641.4M	$415.6M	$391.2M	$406.3M	$387.9M	$404.5M	$409.6M	$411.1M	$407.4M	$413.0M	$396.4M	$384.6M	$365.2M	$272.2M	$249.3M	$217.5M	$193.9M	$83.60M	$79.90M	$79.90M
YoY Change	-1.28%	2.25%	14.99%	24.45%	2.88%	4.47%	1.51%	4.13%	54.33%	6.24%	-3.72%	4.74%	-4.1%	-1.25%	-0.36%	0.91%	-1.36%	4.19%	3.07%	5.31%	34.17%	9.19%	14.62%	12.17%	131.94%	4.63%	0.0%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Basic Shares Outstanding	3.347M	3.355M	3.346M	3.340M	3.333M	3.328M	3.325M	3.341M	2.784M
Diluted Shares Outstanding	3.347M	3.355M	3.346M	3.349M	3.344M	3.335M	3.330M	3.343M	2.784M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $106.26 Million

About FIRST CAPITAL INC

First Capital, Inc. operates as a bank holding company, which engages in the provision of commercial and business banking services. The company is headquartered in Corydon, Indiana and currently employs 177 full-time employees. The Bank is a chartered commercial bank, which provides a variety of banking services to individuals and business customers. The Bank primarily provides real estate mortgage loans. The Bank originates mortgage loans for sale in the secondary market. The Bank also originates consumer loans and residential construction loans for the loan portfolio. First Harrison Investments, Inc. and First Harrison Holdings, Inc. are wholly owned subsidiaries of the Bank that jointly own First Harrison, LLC, which holds and manages an investment securities portfolio. First Harrison REIT, Inc. is a wholly owned subsidiary of First Harrison Holdings, Inc., which holds a portion of the Bank’s real estate mortgage loan portfolio. The Bank has about 18 offices in the Indiana communities of Corydon, Edwardsville, Greenville, Floyds Knobs, Palmyra, New Albany, New Salisbury, Jeffersonville, Lanesville, and Charlestown and others.

Industry: Savings Institution, Federally Chartered Peers: BANK OF SOUTH CAROLINA CORP BENCHMARK BANKSHARES INC PNC FINANCIAL SERVICES GROUP, INC.