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About the company
First Capital, Inc. is the holding company for First Harrison Bank (the Bank). The Bank is a chartered commercial bank, which provides a variety of banking services to individuals and business customers. The Bank’s primary source of revenue is real estate mortgage loans. The Bank originates mortgage loans for sale in the secondary market. The Bank also originates consumer loans and residential construction loans for the loan portfolio. The Bank offers a variety of secured or guaranteed consumer loans, including automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans and loans secured by savings deposits. First Harrison Investments, Inc. and First Harrison Holdings, Inc. are wholly owned subsidiaries of the Bank that jointly own First Harrison, LLC, which holds and manages an investment securities portfolio. The Bank has 18 offices in the Indiana communities of Corydon, Edwardsville, Greenville, Floyds Knobs, Palmyra, among others.
- Revenue in USD (TTM)56.85m
- Net income in USD16.37m
- Incorporated1998
- Employees173.00
- LocationFirst Capital Inc220 Federal Drive N WCORYDON 47112United StatesUSA
- Phone+1 (812) 738-2198
- Fax+1 (812) 738-2202
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Finward Bancorp | 91.76m | 8.09m | 166.18m | 293.00 | 20.41 | 0.9512 | 15.41 | 2.52 | 1.88 | 1.88 | 15.38 | 40.37 | -- | -- | -- | -- | 0.3962 | 0.6096 | -- | -- | -- | -- | 12.25 | 16.97 | -- | -- | -- | -- | 2.90 | 12.19 | -33.33 | -12.68 | -- | -- |
| MainStreet Bancshares Inc | 131.59m | 13.46m | 169.42m | 174.00 | 12.86 | 0.8855 | 12.80 | 2.30 | 1.76 | 1.76 | 9.61 | 29.16 | -- | -- | -- | -- | 0.7032 | 0.8302 | -- | -- | -- | -- | 21.22 | 22.90 | -- | -- | -- | -- | -2.25 | 16.22 | 210.89 | -2.25 | -- | -- |
| First Ottawa Bancshares Inc | 111.46m | 24.42m | 175.14m | 81.00 | 7.13 | 1.37 | -- | 2.39 | 26.24 | 26.24 | 78.63 | 136.26 | -- | -- | -- | -- | 1.35 | 1.03 | -- | -- | -- | -- | 33.38 | 24.01 | -- | -- | -- | 11.02 | 22.25 | 44.96 | 35.62 | 51.58 | -36.62 | 0.00 |
| Greystone Housing Impact Investors LP | 92.98m | 4.04m | 179.23m | 0.00 | 43.39 | 0.6149 | 44.25 | 1.93 | 0.1752 | 0.1752 | 4.02 | 16.49 | 0.0613 | -- | 13.11 | -- | 0.5506 | 2.68 | 0.6036 | 3.09 | 38.33 | 49.47 | 8.99 | 46.41 | -- | -- | 0.7321 | 84.20 | -12.99 | 3.07 | -62.75 | -7.10 | -- | 5.02 |
| Community Bancorp | 59.77m | 16.32m | 180.27m | 128.00 | 11.09 | 1.64 | 10.39 | 3.85 | 2.91 | 2.91 | 8.36 | 19.91 | -- | -- | -- | -- | 1.37 | 1.26 | -- | -- | -- | -- | 35.07 | 32.52 | -- | -- | -- | 37.71 | 17.27 | 11.61 | -5.05 | 7.66 | -3.63 | 4.34 |
| Tri City Bankshares Corp | 79.26m | 14.37m | 184.78m | 392.00 | 12.98 | 0.9993 | -- | 2.41 | 1.60 | 1.63 | 8.54 | 20.76 | -- | -- | -- | -- | 0.7344 | 0.6512 | -- | -- | -- | -- | 18.71 | 17.99 | -- | -- | -- | 44.54 | 3.71 | 9.23 | 26.71 | 0.2074 | -- | -1.59 |
| First Capital Inc | 56.85m | 16.37m | 191.48m | 173.00 | 11.70 | -- | 15.53 | 3.78 | 4.89 | 4.89 | 15.12 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 32.36 | 30.07 | -- | -- | -- | -- | 12.63 | 13.91 | 37.08 | 10.07 | -- | 4.56 |
| Open Lending Corp | 16.95m | -150.35m | 198.56m | 205.00 | -- | 2.73 | -- | 11.72 | -1.26 | -1.26 | 0.1424 | 0.6162 | 0.0496 | -- | 0.6671 | 82,673.17 | -44.00 | 0.1414 | -49.84 | 0.1504 | -36.75 | 85.36 | -887.15 | 0.3405 | -- | -285.29 | 0.6485 | 1,498.98 | -79.55 | -23.69 | -711.74 | -- | 108.45 | -- |
| Terra Income Fund 6 LLC | 7.94m | -13.51m | 203.73m | -- | -- | -- | -- | 25.67 | -- | -- | -- | -- | 0.0698 | -- | -- | -- | -11.87 | -1.87 | -11.91 | -1.89 | 89.41 | 75.86 | -170.18 | -17.55 | -- | -0.107 | 0.5122 | -- | -21.47 | -4.14 | -122.23 | -- | -- | -- |
| Peoples Bancorp of North Carolina Inc | 82.48m | 16.76m | 204.78m | 281.00 | 12.25 | 1.37 | 10.46 | 2.38 | 3.06 | 3.06 | 15.69 | 27.38 | -- | -- | -- | -- | 0.9857 | 0.9676 | -- | -- | -- | -- | 19.51 | 19.97 | -- | -- | -- | 31.24 | 12.34 | 10.23 | 5.19 | 3.06 | -27.02 | 6.30 |
| First Farmers and Merchants Corp | 67.28m | 17.91m | 207.58m | 226.00 | 11.83 | 1.34 | 10.62 | 3.29 | 4.42 | 4.42 | 15.56 | 39.02 | -- | -- | -- | -- | 0.9961 | 0.8724 | -- | -- | -- | -- | 28.39 | 26.81 | -- | -- | -- | 23.94 | 12.15 | 7.17 | -0.0872 | -0.0262 | -- | 3.96 |
| CF Bankshares Inc | 119.92m | 15.75m | 207.81m | 102.00 | 12.95 | 1.16 | 12.45 | 3.51 | 2.49 | 2.49 | 9.36 | 27.82 | -- | -- | -- | -- | 0.7766 | 1.16 | -- | -- | -- | -- | 27.41 | 32.51 | -- | -- | -- | 5.63 | 9.34 | 27.52 | -23.09 | 6.77 | -9.70 | -- |
| SWK Holdings Corp | 45.13m | 22.73m | 209.26m | 9.00 | 9.29 | 0.8232 | 9.03 | 4.64 | 1.86 | 1.86 | 3.69 | 21.02 | 0.1478 | -- | 7.52 | 1,880,333.00 | 7.44 | 4.99 | 7.54 | 5.11 | -- | -- | 50.36 | 34.08 | -- | -- | 0.1116 | 0.00 | 19.14 | 7.91 | -15.10 | -10.76 | -- | -- |
| OP Bancorp | 150.33m | 25.53m | 211.73m | 231.00 | 8.29 | 0.9291 | 10.72 | 2.24 | 1.71 | 1.71 | 6.36 | 15.31 | -- | -- | -- | -- | 1.02 | 1.28 | -- | -- | -- | -- | 27.10 | 30.80 | -- | -- | -- | 25.46 | 9.23 | 22.88 | 23.97 | 14.68 | -- | 11.38 |
| Angel Oak Mortgage REIT Inc | 40.07m | 17.49m | 218.75m | 0.00 | 12.29 | 0.8281 | -- | 5.46 | 0.7144 | 0.7144 | 1.68 | 10.60 | 0.0162 | -- | 3.74 | -- | 0.7144 | -1.07 | 0.7982 | -1.48 | 89.81 | 94.05 | 44.05 | -51.57 | -- | 4.37 | 0.8933 | -- | 27.76 | 25.68 | -15.18 | 41.01 | -- | -- |
| Security National Financial Corp | 339.10m | 18.62m | 227.37m | 1.19k | 11.99 | 0.5914 | 10.81 | 0.6705 | 0.7297 | 0.7297 | 13.41 | 14.79 | 0.2218 | -- | -- | 285,918.10 | 1.22 | 2.19 | -- | -- | -- | -- | 5.49 | 8.10 | -- | 6.03 | 0.252 | 0.00 | 3.52 | 3.09 | 83.07 | 19.49 | 35.85 | -- |
Data as of Feb 06 2026. Currency figures normalised to First Capital Inc's reporting currency: US Dollar USD
19.83%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Dec 2025 | 166.40k | 4.97% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 133.70k | 3.99% |
| Siena Capital Partners GP LLCas of 30 Sep 2025 | 93.06k | 2.78% |
| Geode Capital Management LLCas of 30 Sep 2025 | 77.94k | 2.33% |
| Farther Finance Advisors LLCas of 31 Dec 2025 | 49.18k | 1.47% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 36.39k | 1.09% |
| Bridgeway Capital Management LLCas of 30 Sep 2025 | 34.70k | 1.04% |
| Hightower Advisors LLCas of 30 Sep 2025 | 28.12k | 0.84% |
| Northern Trust Investments, Inc.(Investment Management)as of 30 Sep 2025 | 23.38k | 0.70% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 20.80k | 0.62% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
