First Cap (FCAP) Stock Price, News & Analysis
What Changed
Price Move History
- Daily moves over 5%
- 22 251 sessions, September 8, 2025 to September 4, 2026
- Largest daily move
- +10.3% close of January 30, 2026
- 1-year change
- +49.6% adjusted closes, September 8, 2025 to September 4, 2026
- 5-year change
- +51.3% adjusted closes, September 7, 2021 to September 4, 2026
Company Description
First Capital, Inc. (NASDAQ: FCAP) is the financial holding company for First Harrison Bank, a federally chartered savings institution. According to company disclosures, First Harrison Bank provides banking services to individual and business customers and offers a range of loan products, positioning First Capital, Inc. within the savings institutions segment of the finance and insurance sector.
The company’s banking subsidiary operates in the United States as a federally chartered savings bank. As described in available information, the bank’s lending activities include residential loans, construction loans, commercial real estate loans, and commercial business loans. First Harrison Bank also offers consumer lending products such as home equity and second mortgage loans, and automobile and truck loans. These loan categories illustrate the bank’s focus on traditional community banking services and credit products.
First Capital, Inc. states that it serves both individuals and business customers through its subsidiary. The bank’s footprint includes offices in Indiana and Kentucky communities, with locations listed in company press releases in places such as Corydon, Edwardsville, Greenville, Floyds Knobs, Palmyra, New Albany, New Salisbury, Jeffersonville, Salem, Lanesville and Charlestown in Indiana, and Shepherdsville, Mt. Washington and Lebanon Junction in Kentucky. These offices support the delivery of deposit and lending services in its regional markets.
Company communications also note that customers have access to First Harrison Bank accounts through online banking and electronic bill payment services. This indicates that, in addition to its physical branch network, the bank provides digital access channels for account management and payments.
First Capital, Inc. files reports with the U.S. Securities and Exchange Commission as a public company. Recent filings include current reports on Form 8-K related to results of operations and financial condition, as well as information about a stock repurchase plan established under Rule 10b5-1 and Rule 10b-18. These filings provide additional detail on the company’s financial performance, capital management, and regulatory disclosures.
Through its combination of residential, commercial, and consumer lending, along with branch-based and online access to accounts, First Capital, Inc., via First Harrison Bank, participates in the traditional savings institution and community banking space within the broader finance and insurance sector.
Stock Performance
First Cap (FCAP) stock last closed at $64.82. Over the past 12 months, the stock has gained 49.1%, ranking #763 in 52-week price change. At a market capitalization of $216.8M, FCAP is classified as a micro-cap stock with approximately 3.3M shares outstanding.
FCAP Rankings
Latest News
First Cap has 10 recent news articles. Of the recent coverage, 6 articles coincided with positive price movement and 4 with negative movement. Key topics include dividends, buybacks. View all FCAP news →
SEC Filings
First Cap has filed 5 recent SEC filings, including 2 Form 10-Q, 2 Form 8-K, 1 Form SCHEDULE 13G/A. The most recent filing was submitted on August 12, 2026. SEC filings provide transparency into a company's financial condition, material events, and regulatory compliance. View all FCAP SEC filings →
Financial Highlights
First Cap generated $50.6M in revenue in FY2025, and net income was $16.4M, reflecting a 32.3% net profit margin. Diluted earnings per share stood at $4.89. The company generated $21.3M in operating cash flow.
Upcoming Events
Dividend record date
Quarterly cash dividend
First Cap has 2 upcoming scheduled events. The next event, "Dividend record date", is scheduled for September 11, 2026 (in 4 days). 2 of the upcoming events are financial in nature, such as earnings calls or quarterly results. Investors can track these dates to stay informed about potential catalysts that may affect the FCAP stock price.
Short Interest History
Short interest in First Cap (FCAP) currently stands at 98.3 thousand shares, up 43.8% from the previous reporting period, representing 3.1% of the float. Since September 2025, short interest has increased by 76.0%. This relatively low short interest suggests limited bearish sentiment. The 6.5 days to cover indicates moderate liquidity for short covering.
Days to Cover History
Days to cover for First Cap (FCAP) currently stands at 6.5 days, up 41.8% from the previous period. This moderate days-to-cover ratio suggests reasonable liquidity for short covering, requiring about a week of average trading volume. The days to cover has decreased 67.8% over the past year, suggesting improved liquidity for short covering. The ratio has shown significant volatility over the period, ranging from 2.7 to 20.5 days.
FCAP Company Profile & Sector Positioning
First Cap (FCAP) operates in the Banks - Regional industry within the broader Savings Institution, Federally Chartered sector and is listed on the NASDAQ. Among dividend-paying stocks, FCAP ranks #1,425 by dividend yield. In monthly performance, the stock ranks #576 among all tracked companies.
Investors comparing FCAP often look at related companies in the same sector, including Bcb Bancorp (BCBP), Richmond Mut Bancorporation (RMBI), Rhinebeck Bancorp Inc (RBKB), Bv Financial (BVFL), and Hanover Bancorp, Inc. (HNVR). Comparing financial metrics, valuation ratios, and stock performance across these peers can help investors evaluate FCAP's relative position within its industry.