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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bogota Financial Corp.

Provident Bancorp, Inc. (Massachusetts)

BV Financial, Inc.

Affinity Bancshares, Inc.

Western New England Bancorp, Inc.

First Capital, Inc.

Provident Financial Holdings, Inc.

ESSA Bancorp, Inc.

Riverview Bancorp, Inc.

First Northwest Bancorp (Washington)

William Penn Bancorp

Why is First Capital, Inc. ?

High Profitability with a Net Interest Margin of 6.45%

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

The company has declared positive results for the last 2 consecutive quarters
NII(Q) Highest at USD 11.2 MM
ROCE(HY) Highest at 1.33%
NET SALES(Q) Highest at USD 14.8 MM

With ROA of 1.29%, it has a very attractive valuation with a 1.29 Price to Book Value

Over the past year, while the stock has generated a return of 29.10%, its profits have risen by 37.1% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 28.35%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.95% over the previous quarter.

Market Beating Performance

The stock has generated a return of 29.10% in the last 1 year, much higher than market (S&P 500) returns of 14.90%

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?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

First Capital, Inc.

29.1%

1.30

47.99%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

13.90%

EBIT Growth (5y)

7.14%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

24.54%

Pledged Shares

Institutional Holding

28.35%

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

1.29

EV to EBIT

2.04

EV to EBITDA

1.96

EV to Capital Employed

-38.98

EV to Sales

0.69

PEG Ratio

0.29

Dividend Yield

229.99%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

11.88%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bearish

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

20What is working for the Company

NII(Q)

Highest at USD 11.2 MM

ROCE(HY)

Highest at 1.33%

NET SALES(Q)

Highest at USD 14.8 MM

OPERATING PROFIT(Q)

Highest at USD 5.82 MM

CASH AND EQV(HY)

Highest at USD 157.86 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT MARGIN(Q)

Highest at 39.32 %

PRE-TAX PROFIT(Q)

Highest at USD 5.82 MM

NET PROFIT(Q)

Highest at USD 4.88 MM

EPS(Q)

Highest at USD 1.46

-5What is not working for the Company

ROCE(HY)

Lowest at 1.33%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 21.23%

CREDIT DEPOSIT RATIO(HY)

Lowest at 59.15%

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

NII

Highest at USD 11.2 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 14.8 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Operating Profit

Highest at USD 5.82 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)

Operating Profit Margin

Highest at 39.32 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 5.82 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 4.88 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.46

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 157.86 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

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.

Credit Deposit Ratio

Lowest at 59.15%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 21.23%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)