What is First Capital's market cap?

First Capital (FCAP) has a market capitalization of $214.4M and trades on NASDAQ.

What is First Capital's revenue and profitability?

First Capital generated $52.7M in trailing twelve-month revenue with net income of $17.5M, representing a net margin of 33.2%, with free cash flow of $21.6M. These figures are based on the Q1 2026 filing.

Who are First Capital's competitors?

First Capital's key competitors include Old National Bancorp, German American Bancorp, Home Federal Bancorp, Inc. of Louisiana, and others. These companies compete in similar markets and product categories.

Who does First Capital partner with?

First Capital's notable partners include Fannie Mae, Freddie Mac, Ginnie Mae, and others.

What subsidiaries does First Capital have?

First Capital's subsidiaries include First Harrison Bank, First Harrison Investments, Inc., First Harrison Holdings, Inc., and others.

Where is First Capital headquartered?

First Capital is headquartered in United States of America and employs approximately 212 people. It has been publicly traded since 1999.

First Capital

FCAP

First Capital Inc is a financial holding company that operates primarily through its wholly-owned subsidiary, First Harrison Bank.

Market cap

$214.45M+70.5%

Revenue$52.7M+18.7%

Net income$17.5M+42.9%

Free cash flow$21.6M+15.4%

EPS (diluted)$5.23+42.9%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q2 2025 report

July 24, 2026

Revenue$17.8M EPS$1.43

Read the full report

Next report

Oct 23, 2026 (in 3 months)

Financials

Q1 2026

Income statement

See full

Revenue$13.5M+17.8%

Net income$4.3M+33.8%

EPS (diluted)$1.30+34.0%

Balance sheet

See full

Cash & equivalents$149.6M+475%

Total equity$138.0M+15.0%

Total assets$1.3B+5.7%

Cash flow

See full

Operating cash flow$6.3M+44.5%

CapEx$489.0K+122%

Free cash flow$5.9M+40.4%

Valuation & ratios

Valuation

See full

Market cap$214.45M+70.5%

P/E12.3×+2.5×

P/S4.1×+1.3×

Profitability

See full

Net margin33.2%+5.6pp

FCF margin41.1%-1.2pp

Returns & leverage

See full

Return on equity13.5%+2.7pp

Segments

By product

See full

ATM And Debit Card Fees$1.1M+4.3%

Service Charges On Deposit Accounts$592.0K—

Competitors

By market cap

Old National Bancorp$10.3B+22.4%

German American Bancorp$1.9B+27.2%

Equity Bancshares$1.0B+57.5%

Investar Holding$415.3M+89.0%

First Capital$214.4M+67.0%

Home Federal Bancorp$70.2M+63.5%

Catalyst Bancorp, Inc.$68.5M+32.3%

Kentucky First Federal Bancorp$43.3M+64.9%

By revenue growth

German American Bancorp+37.3%

Old National Bancorp+34.1%

First Capital+18.7%

Home Federal Bancorp+18.7%

Equity Bancshares+10.1%

Catalyst Bancorp, Inc.-3.1%

By net margin

German American Bancorp35.97%+8.5pp

First Capital33.16%+5.6pp

Old National Bancorp31.39%+4.4pp

Home Federal Bancorp25.1%+8.3pp

Investar Holding24.46%—

Catalyst Bancorp, Inc.18.19%+45.5pp

Equity Bancshares13.99%-14.9pp

Profile

First Capital Inc is a financial holding company that operates primarily through its wholly-owned subsidiary, First Harrison Bank. The company provides a full range of commercial and consumer banking services, including mortgage, commercial, and consumer lending alongside various deposit products. It serves local communities in Southern Indiana and Northern Kentucky with a focus on transitioning from a traditional thrift to a commercial banking model.

Competitive position

A leading community bank in Harrison County, Indiana, and Bullitt County, Kentucky, competing through localized service and a diversified commercial loan portfolio.

GeographiesIndiana, Kentucky, United States

Customer segmentsRetail, Small and Medium Enterprises, Commercial

Business modelInterest Spread, Mortgage Banking, Asset Management

SuppliersFederal Reserve System, Federal Home Loan Bank of Indianapolis, Independent Correspondent Bankers Bank, Depositors

CustomersResidential Homebuyers, Commercial Real Estate Investors, Small Business Borrowers, Secondary Mortgage Market Investors

CountryUnited States of America

Listed1999

Employees212.0

CEOMichael Chris Frederick

SectorFinancial Services

IndustryBanks - Regional

Websitefirstharrison.com

FilingsSEC EDGAR

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Questions, answered.

What is First Capital's market cap?: First Capital (FCAP) has a market capitalization of $214.4M and trades on NASDAQ.
What is First Capital's revenue and profitability?: First Capital generated $52.7M in trailing twelve-month revenue with net income of $17.5M, representing a net margin of 33.2%, with free cash flow of $21.6M. These figures are based on the Q1 2026 filing.
Who are First Capital's competitors?: First Capital's key competitors include Old National Bancorp, German American Bancorp, Home Federal Bancorp, Inc. of Louisiana, and others. These companies compete in similar markets and product categories.
Who does First Capital partner with?: First Capital's notable partners include Fannie Mae, Freddie Mac, Ginnie Mae, and others.
What subsidiaries does First Capital have?: First Capital's subsidiaries include First Harrison Bank, First Harrison Investments, Inc., First Harrison Holdings, Inc., and others.
Where is First Capital headquartered?: First Capital is headquartered in United States of America and employs approximately 212 people. It has been publicly traded since 1999.