/
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…
$59.25
$2.03 (-3.31%)
Live · 05:19 PM
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.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
11.4x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$7M
▲ +1.6% YoY
Net Income (TTM)
$17M
▲ +37.1% YoY
Net Margin
242.02%
P/E
11.4x
Balance Sheet
Total Assets
$1.28B
Equity
$138M
Total Debt
$0.00
Cash & Equiv.
N/A
5Y CAGR: +12.6%
Continue Research
At a P/E of 11.4 and a price-to-free-cash-flow of 9,150.9, First Capital (FCAP) trades above a two-stage DCF intrinsic value of about $0.11 per share, so at $59.25 the stock looks overvalued (99.8% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, First Capital scores 54/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $0.11 per share for FCAP, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $0.08. At today's $59.25, that puts the stock about 99.8% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
First Capital scores 54 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. FCAP currently trades above its estimated intrinsic value and scores 54/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.