First Cap Stock Price, News & Analysis
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 traded at $52.21, down 1.10% from the previous close. Over the past 12 months, the stock has gained 36.2%. At a market capitalization of $168.0M, FCAP is classified as a micro-cap stock with approximately 3.3M shares outstanding.
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, earnings. View all FCAP news →
SEC Filings
First Cap has filed 5 recent SEC filings, including 2 Form 4, 1 Form 10-K, 1 Form SCHEDULE 13G/A, 1 Form 8-K. The most recent filing was submitted on March 31, 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 $2.5M in revenue over the trailing twelve months, and net income was $16.4M, reflecting a 668.0% net profit margin. Diluted earnings per share stood at $4.89. The company generated $21.3M in operating cash flow.
Upcoming Events
Annual stockholders meeting
First Cap has 1 upcoming scheduled event. The next event, "Annual stockholders meeting", is scheduled for May 18, 2026 (in 40 days). 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 80.1 thousand shares, up 29.9% from the previous reporting period, representing 2.5% of the float. Over the past 12 months, short interest has increased by 1915.7%. This relatively low short interest suggests limited bearish sentiment. With 16.3 days to cover, it would take significant time for short sellers to close their positions based on average trading volume.
Days to Cover History
Days to cover for First Cap (FCAP) currently stands at 16.3 days, up 119.3% from the previous period. This elevated days-to-cover ratio indicates it would take over two weeks of average trading volume for short sellers to exit their positions, suggesting potential for a short squeeze if positive news emerges. The days to cover has increased 1525% over the past year, indicating either rising short interest or declining trading volume. The ratio has shown significant volatility over the period, ranging from 1.0 to 20.1 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. In monthly performance, the stock ranks #572 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.