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First Capital, Inc. (the Company, First Capital, us, or we ) was incorporated under Indiana law on September 11, 1998. On December 31, 1998, the Company became the holding company for First Federal Bank, A Federal Savings Bank (the Bank ) upon the Bank s reorganization as a wholly owned subsidiary of the Company resulting from the conversion of First Capital, Inc., M.H.C. (the MHC ), from a fed…
228.27% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 1.6%, essentially flat. This is a business that needs a catalyst.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$7M
▲ +1.6% YoY
Net Income (TTM)
$17M
▲ +37.1% YoY
Net Margin
242.02%
P/E
—
Balance Sheet
Total Assets
$1.28B
Equity
$138M
Total Debt
$0.00
Cash & Equiv.
N/A
5Y CAGR: +12.6%
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