olivLaw · US equity research
First Capital, Inc. FCAP
Savings Institution, Federally Chartered · SIC 6035 · Vertical: Savings Institution, Federally Chartered (SIC 6035)
First Capital, Inc. is the holding company of the community bank First Harrison Bank, which gathers deposits in Indiana and Kentucky and lends them out, mainly as commercial real estate and residential mortgages. The company reported net income of 16.4 million USD in 2025, and the first nine months of 2026 show a rising net interest margin, which makes the path of interest rates especially relevant for its bank.
At the close of 04 Nov 2026, First Capital, Inc. (FCAP) stock was 64.38 USD (+1.42% on the day), with market capitalisation 215.3 m USD, P/E 11.6 on diluted EPS of 5.53 USD over the last 12 months, dividend yield 1.93%, beta 0.31, 52-week range 44.02–69.70 USD. Latest reported quarter (Q2 2026): revenue of 1.9 m USD (+4.6% YoY), net income of 4.8 m USD (+26.1% YoY), diluted EPS 1.43 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 56.0
- strong (55–70)
- Bollinger (20, 2)
- 60.60 – 65.49
- in the upper half of the band · %B 0.77 · band width 7.8%
- SMA 50 / 200
- 62.67 / 58.47
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 0.41 / 0.31
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +1.0% | −2.0% | +3.0 pp | — |
| 3 months | −1.2% | −2.2% | +1.0 pp | — |
| 6 months | +15.6% | +4.3% | +11.4 pp | — |
| Year to date | +8.7% | +10.6% | −1.8 pp | — |
| 1 year | +50.7% | +10.5% | +40.3 pp | +23.2% |
| 3 years | +160.3% | +73.7% | +86.7 pp | +63.0% |
| 5 years | +58.8% | +61.7% | −2.9 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q2 2026 · 30 Jun 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.8 m | 1.8 m | 1.7 m | 1.8 m | 1.9 m | 1.9 m | 1.7 m | 1.9 m |
| Operating income | 3.4 m | 3.9 m | 3.9 m | 4.6 m | 5.5 m | — | — | — |
| Depreciation & amortisation | 274.0 k ≈ | 288.0 k | 281.0 k | 280.0 k ≈ | 270.0 k ≈ | 258.0 k | 279.0 k | 290.0 k ≈ |
| Pre-tax income | — | — | 3.9 m | 4.6 m | — | — | 5.4 m | 6.0 m |
| Income tax | 537.0 k | 684.0 k | 672.0 k | 852.0 k | 1.1 m | 938.0 k | 1.0 m | 1.2 m |
| Net income | 2.9 m | 3.3 m | 3.2 m | 3.8 m | 4.5 m | 4.9 m | 4.3 m | 4.8 m |
| Diluted EPS | 0.87 | 0.97 | 0.97 | 1.13 | 1.34 | 1.46 | 1.30 | 1.43 |
| Operating cash flow | 7.6 m ≈ | 4.1 m | 4.4 m | 3.7 m ≈ | 7.9 m ≈ | 5.2 m | 6.3 m | 4.3 m ≈ |
| Capex | 83.0 k ≈ | 323.0 k | 220.0 k | 269.0 k ≈ | 165.0 k ≈ | 698.0 k | 489.0 k | 704.0 k ≈ |
| Dividends paid | 972.0 k ≈ | 972.0 k | 974.0 k | 985.0 k ≈ | 1.0 m ≈ | 1.0 m | 1.0 m | 1.0 m ≈ |
| Share repurchases | 28.0 k ≈ | 0 | 9.0 k | 0 ≈ | 52.0 k ≈ | 517.0 k | — | — |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 38 percentile of its own 39-quarter history (min 6.5, median 12.1, max 23.6; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 5.3 m | 5.5 m | 5.8 m | 6.4 m | 7.1 m | 7.0 m | 7.1 m | 7.2 m |
| Revenue YoY | +5.8% | +5.2% | +4.2% | +11.9% | +10.8% | −1.9% | +0.7% | +1.6% |
| Net income | 9.3 m | 10.3 m | 10.1 m | 11.4 m | 11.9 m | 12.8 m | 11.9 m | 16.4 m |
| Net income YoY | +24.4% | +11.6% | −1.9% | +12.8% | +4.2% | +7.5% | −6.6% | +37.1% |
| Diluted EPS | 2.77 | 3.09 | 3.02 | 3.41 | 3.55 | 3.82 | 3.57 | 4.89 |
| Diluted EPS YoY | +24.2% | +11.6% | −2.3% | +12.9% | +4.1% | +7.6% | −6.5% | +37.0% |
| net % | 176.1% | 186.8% | 175.9% | 177.2% | 166.6% | 182.5% | 169.1% | 228.3% |
| Free cash flow | 12.9 m | 11.1 m | 11.5 m | 21.3 m | 16.1 m | 13.5 m | 21.6 m | 19.9 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- unavailable USD
- Financial debt
- 0 USD
- Net debt
- unavailable USD
- Equity
- 137.9 m USD
- Total assets
- 1.3 bn USD
- Debt / equity
- 0.00x
- Current ratio
- unavailable
- ROE
- 13.0%
- ROA
- 1.3%
- FCF margin
- 278.0%
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 28.1 m | 28.3 m | 32.3 m | 34.6 m | 35.8 m | 42.2 m | SEC (XBRL)· 31 Mar 2026verified |
| Net fee income | 8.6 m | 9.6 m | 7.9 m | 7.6 m | 7.7 m | 8.5 m | SEC (XBRL)· 31 Mar 2026verified |
| Non-interest expense | 23.0 m | 24.5 m | 25.1 m | 26.0 m | 27.8 m | 29.6 m | SEC (XBRL)· 31 Mar 2026verified |
| Pre-tax income | 1.8 m | 2.2 m | 3.3 m | 15.1 m | 14.2 m | 19.9 m | SEC (XBRL)· 31 Mar 2026verified |
| Net income | 10.1 m | 11.4 m | 11.9 m | 12.8 m | 11.9 m | 16.4 m | SEC (XBRL)· 31 Mar 2026verified |
| Diluted EPS | 3.02 | 3.41 | 3.55 | 3.82 | 3.57 | 4.89 | SEC (XBRL)· 31 Mar 2026verified |
| Dividend per share | 0.96 | 1.04 | 1.04 | 1.08 | 1.12 | 1.20 | SEC (XBRL)· 31 Mar 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Loans | 500.3 m | 483.3 m | 558.0 m | 614.4 m | 631.2 m | 654.1 m | SEC (XBRL)· 31 Mar 2026verified |
| Total assets | 1.0 bn | 1.2 bn | 1.2 bn | 1.2 bn | 1.2 bn | 1.3 bn | SEC (XBRL)· 31 Mar 2026verified |
| Deposits | 900.5 m | 1.0 bn | 1.1 bn | 1.0 bn | 1.1 bn | 1.1 bn | SEC (XBRL)· 31 Mar 2026verified |
| Short-term debt | — | — | — | — | 0 | 0 | SEC (XBRL)· 31 Mar 2026verified |
| Total liabilities | 906.8 m | 1.0 bn | 1.1 bn | 1.1 bn | 1.1 bn | 1.1 bn | SEC (XBRL)· 31 Mar 2026verified |
| Equity | 110.8 m | 113.9 m | 84.7 m | 105.3 m | 114.7 m | 137.9 m | SEC (XBRL)· 31 Mar 2026verified |
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 3.3 m | 3.5 m | 3.5 m | 3.6 m | 3.8 m | 4.0 m | SEC (XBRL)· 31 Mar 2026verified |
| Share repurchases | 13.0 k | 40.0 k | 0 | 502.0 k | 41.0 k | 578.0 k | SEC (XBRL)· 31 Mar 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 59 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 215.3 m USD
Key indicators
Coverage and freshness
Score by group
- Valuation46
- Returns18
- Quality71
- Balance sheet100
- Growth54
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 43.24 – 83.65 USD.
Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income46.08 – 48.20 (Mid 47.12)
- Justified P/B62.20 – 83.65 (Mid 71.35)
- Dividend discount (DDM)outside the aggregate15.77 – 21.21 (Mid 18.09)a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
- Peers: P/E59.78 – 74.00 (Mid 68.65)10 companies used · median multiple 12.4x · quartiles 10.8x – 13.4xAX, BKU, CFFN, EBC, HFBL, HTB, KRNY, NRIM, PFS, WNEB
- Peers: P/B43.24 – 53.90 (Mid 47.19)12 companies used · median multiple 1.1x · quartiles 1.0x – 1.3xAX, BKU, CFFN, EBC, FDSB, HFBL, HTB, KFFB, KRNY, NRIM, PFS, WNEB
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 59/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 13.9% | 86 (vs peers) | 19% |
| ROA · Quality | 1.5% | 75 (on a fixed band) | 7% |
| Cost-to-income · Quality | 55.9% | 36 (on a fixed band) | 12% |
| Net interest margin · Quality | 3.6% | 84 (on a fixed band) | 7% |
| EPS CAGR 3Y · Growth | 11.3% | 94 (on a fixed band) | 10% |
| Revenue CAGR 3Y · Growth | 0.1% | 1 (on a fixed band) | 7% |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | 58.8% | 100 (on a fixed band) | 5% |
| P/B · Valuation | 1.5x | 23 (vs peers) | 12% |
| P/E (TTM) · Valuation | 11.6x | 69 (vs peers) | 12% |
| Dividend yield · Returns | 1.9% | 18 (vs peers) | 10% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial100/100 · 1/3 factors with a value
- Growth54/100 · 2/2 factors with a value
- Quality71/100 · 4/4 factors with a value
- Returns18/100 · 1/1 factors with a value
- Valuation46/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
First Capital, Inc. (FCAP). Latest full fiscal year: 2025; data up to 2026-06-30.
Figures computed from the financial statements: net interest income 42.1 m USD in 2025; YoY growth 1.6%; net margin 252.8%; ROE 13.9%.
The estimated value range is 52.93–63.95 USD per share (median of 4 methods, agreement: high); assumptions are illustrative. Against the central value of 57.92 USD, the price of 64.38 USD leaves a potential of -10.0% (value / price − 1) and a margin of safety of -11.2% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 59/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- ROE: 13.9%
- ROA: 1.5%
- Net interest margin: 3.6%
- EPS CAGR 3Y: 11.3%
- Loan-to-deposit: 58.8%
What contradicts it
- Revenue CAGR 3Y: 0.1%
- P/B: 1.5x
- Dividend yield: 1.9%
- The price is above the estimated value range
Not assessed (insufficient data or a ratio without meaning): NPL ratio, Cost of risk.
Versus the vertical median
Savings Institution, Federally Chartered (SIC 6035) · same industry (4-digit SIC) · compared with 14 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| AXAxos Financial, Inc. | 5.4 bn | 10.7 | 16.7% | 624.8% | +23.5% | +15% / +147% |
| EBCEastern Bankshares, Inc. | 5.3 bn | 13.3 | 9.4% | 257.2% | +19.1% | +24% / +95% |
| TFSLTfs Financial Corporation | 4.7 bn | 46.0 | 5.3% | — | unavailable | +17% / +26% |
| BKUBankUnited, Inc. | 3.2 bn | 12.3 | 9.2% | 1,154.5% | +7.4% | +4% / +63% |
| PFSProvident Financial Services Inc | 3.1 bn | 9.8 | 11.1% | 411.6% | +7.1% | +23% / +55% |
| CFFNCapitol Federal Financial, Inc. | 1.1 bn | 13.4 | 8.0% | 508.2% | +6.5% | +33% / +63% |
| HTBHomeTrust Bancshares, Inc. | 798.6 m | 12.5 | 11.0% | — | −1.9% | +17% / +107% |
| KRNYKearny Financial Corp. | 605.1 m | 16.4 | 4.8% | — | +36.0% | +36% / +18% |
| NRIMNorthrim Bancorp, Inc. | 545.0 m | 9.9 | 16.6% | 21.8% | +30.4% | −0% / +99% |
| WNEBWestern New England Bancorp, Inc. | 281.6 m | 16.7 | 6.9% | — | −34.3% | +15% / +79% |
| FCAPFirst Capital, Inc. | 215.3 m | 11.6 | 13.9% | 252.8% | +1.6% | +51% / +160% |
| FDSBFifth District Bancorp, Inc. | 92.5 m | 52.4 | 1.3% | 273.6% | −2.3% | +29% / unavailable |
| HFBLHome Federal Bancorp, Inc. of Louisiana | 67.7 m | 11.1 | 10.8% | 364.5% | +30.0% | +40% / +72% |
| KFFBKentucky First Federal Bancorp | 44.4 m | 32.0 | 2.9% | — | −11.8% | +31% / +18% |
| BYFCBroadway Financial Corporation | — | — | -7.6% | -11,027.1% | +18.7% | +86% / +54% |
1- and 3-year price returns: for FCAP from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 36.29 Total return -42% · Per year -42% | 64.29 Total return 2% · Per year 2% | 97.04 Total return 53% · Per year 53% |
| 3 years | 32.18 Total return -46% · Per year -19% | 64.44 Total return 6% · Per year 2% | 107.22 Total return 74% · Per year 20% |
| 5 years | 28.54 Total return -49% · Per year -13% | 64.59 Total return 10% · Per year 2% | 118.47 Total return 97% · Per year 15% |
- Exit P/E± 16.11
- Net margin± 11.28
- Annual revenue growth± 9.66
- Annual dilution± 0.95
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
First Capital, Inc. is the holding company of the community bank First Harrison Bank, which gathers deposits in Indiana and Kentucky and lends them out, mainly as commercial real estate and residential mortgages. The company reported net income of 16.4 million USD in 2025, and the first nine months of 2026 show a rising net interest margin, which makes the path of interest rates especially relevant for its bank.
SWOT
Strengths
- Leading deposit share in Harrison County and a well-established local branch network with loyal customers.
- Rising profitability and a strong capital level that provide a cushion against unexpected losses.
- Close ties with the local community that support attracting low-cost deposits.
Weaknesses
- High concentration of the portfolio in real estate loans, especially commercial ones, with greater risk if values decline.
- Relatively small size and limited analyst coverage, which make funding in capital markets harder to obtain.
- Exposure to fixed-rate loans that may produce insufficient returns in a rising rate environment.
Opportunities
- Growing fee income through secondary market mortgage sales and new products.
- Expanding commercial and consumer lending in the local market, where the bank already has strong relationships.
- Improving efficiency through technology and extending the market through acquisitions of financial institutions.
Threats
- A regional economic slowdown could weaken customers' ability to repay and increase credit losses.
- Competitive pressure from larger banks and non-bank financial institutions on the cost of deposits.
- Regulatory changes or cybersecurity incidents could affect the bank's operations and reputation.
Risks
- Commercial credit riskhigh
Commercial real estate and commercial business loans carry higher risk than residential mortgages, and a deterioration in the local market could lead to losses and higher provisions.
- Interest rate riskhigh
The fixed-rate loan book could generate insufficient income if rates rise sharply and persistently, weighing on net interest income.
- Liquidity riskmedium
If customer deposits shift toward other investments, the bank could rely more on costlier funding, affecting its margin.
- Operational and cyber riskmedium
Dependence on information systems and outside vendors exposes the bank to outages and attacks that could affect data and customers.
- Dividend dependence risklow
The company relies almost entirely on dividends from the bank to meet its obligations, so a fall in the bank's profit could limit those payments.
Investment thesis
What would need to be true (bull case)
- A rising net interest margin and higher quarterly profit suggest the business model can generate solid income if the trend holds.
- Leading deposit share in Harrison County and a local customer base give a durable advantage in attracting low-cost funding.
- A strong capital level and a return on average equity of 13.18 percent in 2025 provide a margin against unexpected losses.
What would break the thesis
- Rising nonperforming loans and concentration in commercial real estate could lead to larger provisions and pressure on profit.
- Higher operating costs, especially for staff, could erode the efficiency gains if revenue does not grow at the same pace.
- Small size and dependence on the local market make the bank vulnerable to a regional slowdown and to competition from larger banks.
What to watch
- Trend in the net interest margin and cost of depositsQ1 2027
- Level of nonperforming loans and provisions for credit lossesQ1 2027
- Evolution of staff costs and operating efficiency2027
- Size of the commercial real estate portfolio and its share of total loans, from the next annual reportnext 10-K
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
First Capital, Inc., incorporated under Indiana law, wholly owns First Harrison Bank, formerly a federal savings bank and now an Indiana-chartered commercial bank. The company's primary activity is owning the bank's stock, and it has no other material income beyond what the bank generates. The bank operates in four Indiana counties and Bullitt County in Kentucky, and it is the leader by deposit market share in Harrison County, Indiana.
The bank's strategy is to attract deposits from the general public and use them to originate residential mortgages, commercial real estate, commercial business and consumer loans. Excess liquidity is placed in deposits at the Federal Home Loan Bank, government securities and municipal obligations. The company aims to grow fee income by selling mortgages in the secondary market and to reduce operating costs.
Commercial real estate and residential mortgage loans dominate the portfolio, and exposure to fixed-rate loans makes the bank sensitive to rising funding costs. The company has invested in technology and its call center system, and management says its 2026 plans focus on keeping nonperforming assets low and deepening customer relationships.
Segments
Loans
Gross loans of 663,142 thousand USD at December 31, 2025 consist mainly of mortgage loans, of which commercial real estate is the largest part. Commercial and consumer loans carry a smaller weight, and the bank lends them mainly within its home market.
Deposits and fee income
Deposits, above one billion USD at the end of 2025, are the bank's main funding source. Fee income and gains from selling mortgages in the secondary market supplement interest income, though their weight is smaller than that of interest income.
Market context
The bank competes with local commercial banks and large regional banks across four Indiana counties and Bullitt County in Kentucky. Net income of 16.4 million USD and a return on average assets of 1.34% in 2025 show profitability comparable to other community banks in the region, and the company says it holds the leading deposit share in Harrison County.
The local market is dominated by real estate lending and deposits from community customers, so regional economic conditions matter more than national ones. Community banks have less access to capital markets than larger banks, which can influence their funding costs.
Trends
- Net interest margin trendtailwind
The net interest margin rose in 2026, mainly because yields on earning assets increased while the cost of deposits eased slightly. If this spread holds, interest income could keep supporting the bank's profit.
- Staff and personnel costsheadwind
Compensation and benefit expenses rose in 2026 due to annual adjustments and higher costs for company-provided health insurance. If inflationary pressure persists, this category could erode the gains from efficiency.
- Loan portfolio qualityheadwind
Nonperforming assets rose from 4.4 million USD to 5.5 million USD by September 2026, mainly because one non-owner occupied commercial real estate loan was placed on nonaccrual. If this continues, additional provisions for credit losses could be required.
- Interest rates and liquiditymixed
The large fixed-rate loan book and reliance on rate-sensitive deposits make the bank vulnerable to a sharp rise in rates. At the same time, the repricing of adjustable-rate loans could partly offset this effect.
Competitive position
The most direct competition comes from commercial banks operating in the same counties, and the bank says it ranks first by deposit share in Harrison County. Competition also comes from large regional banks, which have greater access to funding and can offer a wider product range.
The bank's advantage lies in its close relationships with local customers, its network of 17 offices and its community involvement. Its limits are its smaller size and limited analyst coverage, which can make access to capital harder than for larger competitors.
- Local commercial banks in Indiana and Kentucky
Main direct competitors for deposits and loans in the bank's five counties, as cited in the annual report.
- Large regional banks
Named as a source of competition for lending and deposit business, with broader access to funding.
- Other financial institutions in the market area
Compete for customer deposits when clients seek higher returns from other investments, a risk the company flags.
- Institutions offering residential mortgages in the secondary market
Competitors for residential mortgage business, whose presence affects the volume of loans sold in the secondary market.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report23 Oct 2026Results of operations · Financial statements and exhibits
- Quarterly report12 Aug 2026
- Current report24 Jul 2026Results of operations · Financial statements and exhibits
- Current report22 May 2026Shareholder vote
- Quarterly report12 May 2026
- Current report24 Apr 2026Results of operations · Financial statements and exhibits
- Proxy statement08 Apr 2026
- Annual report31 Mar 2026
- Current report19 Feb 2026Other events · Financial statements and exhibits
- Current report23 Jan 2026Results of operations · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / First Capital, Inc. · 31 Mar 2026
- [2] Form 8-K, results release (exhibit 99.1) · SEC / First Capital, Inc. · 23 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.