First Capital, Inc. (FCAP) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Provident Bancorp, Inc. (Massachusetts)

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First Capital, Inc.

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First Northwest Bancorp (Washington)

Provident Financial Holdings, Inc.

Bogota Financial Corp.

Riverview Bancorp, Inc.

ESSA Bancorp, Inc.

William Penn Bancorp

Why is First Capital, Inc. ?

High Profitability with a Net Interest Margin of 4.66%

Positive results in Jun 25

NII(Q) Highest at USD 10.41 MM
OPERATING PROFIT(Q) Highest at USD 4.63 MM
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.86%, it has a expensive valuation with a 1.41 Price to Book Value

Over the past year, while the stock has generated a return of 52.86%, its profits have risen by 2.4% ; the PEG ratio of the company is 5.8

Majority shareholders : Mutual Funds

Market Beating performance in long term as well as near term

Along with generating 52.86% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Capital, Inc. should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Capital, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

First Capital, Inc.

59.22%

1.67

39.36%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.49%

EBIT Growth (5y)

4.60%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

31.39%

Pledged Shares

Institutional Holding

16.84%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.41

EV to EBIT

3.14

EV to EBITDA

2.90

EV to Capital Employed

-6.05

EV to Sales

0.82

PEG Ratio

5.80

Dividend Yield

168.04%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

10.18%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

NII(Q)

Highest at USD 10.41 MM

OPERATING PROFIT(Q)

Highest at USD 4.63 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 14.04 MM

OPERATING PROFIT MARGIN(Q)

Highest at 32.98 %

PRE-TAX PROFIT(Q)

Highest at USD 4.63 MM

NET PROFIT(Q)

Highest at USD 3.77 MM

EPS(Q)

Highest at USD 1.13

-1What is not working for the Company

DIVIDEND PAYOUT RATIO(Y)

Lowest at 25.74%

Here's what is working for First Capital, Inc.

NII

Highest at USD 10.41 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD 4.63 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Net Sales

Highest at USD 14.04 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit Margin

Highest at 32.98 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 4.63 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 3.77 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.13

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for First Capital, Inc.

Dividend Payout Ratio

Lowest at 25.74%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)