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First Capital, Inc.

First Capital, Inc.

NASDAQ•FCAP
CEO: Mr. Michael Chris Frederick
セクター: Financial Services
業種: Banks - Regional
上場日: 1999-01-04
First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers. The company offers various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also provides residential mortgage loans, construction loans for residential and commercial properties, and commercial real estate and business loans. In addition, the company originates mortgage loans for sale in the secondary market; and offers various secured or guaranteed consumer loans comprising automobile and truck loans, home equity, home improvement, boat, mobile home, and loans secured by savings deposits, as well as unsecured consumer loans. Further, it invests in mortgage-backed securities and collateralized mortgage obligations. The company was founded in 1891 and is based in Corydon, Indiana.
連絡先情報
220 Federal Drive, N.W., Corydon, IN, 47112, United States
812-738-2198
www.firstharrison.com
時価総額
$178.83M
PER (TTM)
10.9
15.2
配当利回り
2.3%
52週高値
$71.00
52週安値
$33.55
52週レンジ
53%
順位20Top 6.4%
6.1
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
強い • 6.1 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$17.10M+13.02%
直近4四半期の推移

EPS

$1.46+50.52%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Jumps 33% Nine-month net income reached $11.5M, driven by tax-equivalent NIM rising to 3.55% from 3.16% year-over-year.
Credit Provisioning Declines Provision for credit losses fell to $794K for nine months, reflecting improved asset quality outlook compared to $1.1M last year.
Assets and Loans Expanded Total assets grew $48.0M to $1.24B by September 30, 2025; net loans increased $11.1M over the nine-month period.
Capital Ratios Remain Strong Community Bank Leverage Ratio (CBLR) improved to 10.82% from 10.57%, maintaining 'well-capitalized' regulatory status.

リスク要因

EVE Sensitive to Rate Drops EVE modeling projects a $9.8M (5.06%) decrease if rates drop 300 basis points over one year horizon, indicating downside risk.
Noninterest Expense Rising Nine-month noninterest expense increased $1.5M, driven by higher compensation ($769K) and occupancy costs ($560K) related to branch activity.
ACL Coverage Ratio Low Total ACL on loans is $9.86M; management notes potential adverse impact from future economic deterioration on credit quality.
Higher Effective Tax Rate Effective tax rate increased significantly to 18.4% for nine months, reflecting a higher proportion of net income subject to taxation.

見通し

Adjusting Interest Rate Scenarios Management evaluated and adjusted deposit rate betas and key interest rate index ties to better reflect current competitive deposit pressure.
Targeted Loan Portfolio Growth Expect continued growth in CRE, multifamily, and residential mortgages, partially offset by planned reduction in other construction loans.
Share Repurchase Program Active Company executed $1.44M in common stock repurchases in Q3 2025 under the established Joint Rule 10b5-1 Plan agreement.
Renewable Energy Investment Pace Bank expects to fulfill $1.7M unfunded commitment related to solar tax credit investments by December 31, 2025.

同業比較

売上高 (TTM)

First Guaranty Bancshares, Inc.FGBI
$220.51M
-9.9%
Hanover Bancorp, Inc.HNVR
$143.32M
-3.4%
MainStreet Bancshares, Inc.MNSB
$135.47M
-1.7%

粗利益率 (最新四半期)

United Security BancsharesUBFO
80.5%
+10.2pp
Peoples Bancorp of North Carolina, Inc.PEBK
79.1%
+4.8pp
First Capital, Inc.FCAP
76.9%
+4.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CFBK$209.29M11.97.4%5.8%
PEBK$206.31M16.213.5%0.9%
UBFO$194.58M15.59.0%1.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
4.1%
緩やかな成長
4四半期純利益CAGR
14.7%
収益性の着実な向上
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月23日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月14日|
    売上高: $16.96M+12.9%
    |
    EPS: $1.34+54.0%
    不明

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月14日|
    売上高: $16.06M+12.7%
    |
    EPS: $1.13+32.9%
    不明

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月14日|
    売上高: $15.18M+10.5%
    |
    EPS: $0.97+10.2%
    不明

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月31日|
    売上高: $58.13M+13.4%
    |
    EPS: $3.57-6.5%
    不明

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月14日|
    売上高: $15.02M+14.5%
    |
    EPS: $0.87-7.4%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月14日|
    売上高: $14.25M+14.3%
    |
    EPS: $0.85+3.7%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月14日|
    売上高: $13.74M+12.8%
    |
    EPS: $0.88-22.8%
    不明

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月29日|
    売上高: $51.24M+22.4%
    |
    EPS: $3.82+7.6%
    不明