FIRST CAPITAL INC FCAP 82.21
Financials · NASDAQ · Data as of 2026-08-12
FIRST CAPITAL INC (FCAP) has delivered +5.6% annualized revenue growth, +8.4% earnings growth, and +3.9% dividend growth over 10 years of data. Ranked #79 of 1968 stocks overall and #20 of 212 in the Financials sector by Steady Score.
About FIRST CAPITAL INC
Company Overview
First Capital is the bank holding company for First Harrison Bank, a community bank serving southern Indiana and nearby markets in Kentucky. The bank offers checking, savings and time deposits together with residential mortgages, commercial real-estate loans, business loans and consumer credit. Customers access services through local branches, lending teams and digital banking channels, with the organization focused primarily on households and small and midsize businesses.
Read more
Business Model & Revenue
First Capital earns most revenue from the difference between interest received on loans and securities and interest paid on deposits and borrowings. It also receives fees from deposit accounts, mortgage activity and other banking services. Local deposits fund much of the loan portfolio. Profitability depends on credit quality, interest-rate movements, deposit competition, loan growth and operating costs, while capital and liquidity are managed under banking regulations.
Key Facts & Market Position
The company operates a geographically concentrated community-banking model built on local relationships and market knowledge. That focus can support customer retention and tailored underwriting, but it also links performance closely to regional employment, property values and business conditions. Residential and commercial real estate are important lending categories, making collateral quality and disciplined credit administration significant.