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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, and retirement savings plans. It also offers residential mortgage loans; construction loans for residential and commercial properties; and commercial real estate and business loans. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it provides various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; unsecured consumer loans; and loans secured by savings deposits. Additionally, the company invests in mortgage-backed securities and collateralized mortgage obligations. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $51M | - | $16M | $20M | 11.9% | 16.5% | 37.1% |
| 2024 | $43M | - | $12M | $22M | 10.4% | 2.9% | -6.6% |
| 2023 | $42M | - | $13M | $14M | 12.1% | 4.8% | 7.5% |
| 2022 | $40M | - | $12M | $16M | 14.0% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 40.27 | 42.22 | 43.45 | 50.62 |
| Pretax Income | 14.23 | 15.05 | 14.17 | 19.91 |
| Tax Provision | 2.32 | 2.25 | 2.22 | 3.53 |
| Net Income | 11.90 | 12.79 | 11.94 | 16.37 |
| Net Income Common Stockholders | 11.90 | 12.79 | 11.94 | 16.37 |
| Interest Expense | 1.59 | 9.02 | 14.68 | 14.70 |
| Interest Income | 33.92 | 43.55 | 50.38 | 56.74 |
| Selling General And Administration | 15.05 | 15.33 | 15.89 | 17.29 |
| Normalized Income | 11.90 | 12.79 | 11.94 | 16.37 |
| Basic EPS | 3.55 | 3.82 | 3.57 | 0 |
| Diluted EPS | 3.55 | 3.82 | 3.57 | 0 |
| Tax Effect Of Unusual Items | 0 | 0 | 0 | 0 |
| Tax Rate For Calcs | 0.16 | 0.15 | 0.16 | 0.18 |
| Total Unusual Items | 0 | 0 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | 0 | 0 | 0 | 0 |
| Net Income From Continuing Operation Net Minority Interest | 11.90 | 12.79 | 11.94 | 16.37 |
| Reconciled Depreciation | 1.07 | 1.03 | 1.10 | 1.09 |
| Net Interest Income | 32.32 | 34.53 | 35.70 | 42.05 |
| Net Income From Continuing And Discontinued Operation | 11.90 | 12.79 | 11.94 | 16.37 |
| Diluted Average Shares | 3.36 | 3.35 | 3.35 | 0 |
| Basic Average Shares | 3.36 | 3.35 | 3.35 | 0 |
| Diluted NI Availto Com Stockholders | 11.90 | 12.79 | 11.94 | 16.37 |
| Minority Interests | -0.01 | -0.01 | -0.01 | -0.01 |
| Net Income Including Noncontrolling Interests | 11.91 | 12.80 | 11.95 | 16.38 |
| Net Income Continuous Operations | 11.91 | 12.80 | 11.95 | 16.38 |
| Gain On Sale Of Security | -0.41 | -0.17 | -0.34 | 0.06 |
| Selling And Marketing Expense | 0.35 | 0.33 | 0.36 | 0.48 |
| General And Administrative Expense | 14.70 | 15 | 15.54 | 16.81 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Salaries And Wages | 14.70 | 15 | 15.54 | 16.81 |
| Operating Revenue | 40.27 | 42.22 | 43.45 | 50.62 |
| Occupancy And Equipment | 1.84 | 1.76 | 1.92 | 2.39 |
| Professional Expense And Contract Services Expense | 0.75 | 0.69 | 1.36 | 1.17 |
| Other Non Interest Expense | 7.45 | 8.24 | 8.66 | 8.71 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| First Capital, Inc.this co. | FCAP | $179M | 10.25 | 1.30 | 11.9% | - |
| CF Bankshares Inc. | CFBK | $191M | 10.90 | 1.02 | 9.5% | - |
| CB Financial Services, Inc. | CBFV | $182M | 27.60 | 1.15 | 3.1% | - |
| Eagle Bancorp Montana, Inc. | EBMT | $181M | 11.38 | 0.93 | 7.7% | - |
| BCB Bancorp, Inc. | BCBP | $179M | - |
| 0.63 |
| -4.1% |
| - |
| MainStreet Bancshares, Inc. | MNSB | $176M | 11.98 | 0.90 | 7.1% | - |
| BV Financial, Inc. | BVFL | $172M | 14.55 | 853.91 | 7.3% | - |
| Landmark Bancorp, Inc. | LARK | $167M | 8.93 | 1.04 | 11.7% | - |
| Finance of America Companies Inc. | FOA | $166M | 4.91 | 0.47 | 11.4% | - |
| Peer Median | - | 11.38 | 0.97 | 7.5% | - | |