First Capital Inc. (FCAP) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-01, First Capital Inc. (NASDAQ: FCAP) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $63.80 (-1.39% 1D, market cap $213.4M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FCAP ranks #619 in composite RQD confidence.
Within the Financials sector (Savings Institutions), FCAP carries a Roarable D+ (58/100 RQD), trailing P/E of 13.0x, gross margin of —, and ROIC of 11.9%. By comparison, CZWI (Citizens Community Bancorp Inc.) holds a C- grade (60/100 RQD, P/E 15.8x, ROIC 7.7%, cap $228.4M) and FNWD (Finward Bancorp) posts a C grade (65/100 RQD, P/E 23.5x, ROIC 4.6%, cap $190.2M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).
Per FCAP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001070296), First Capital Inc. generated $0 in revenue, $16.4M in net income, and $19.9M in free cash flow against $1.27B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)
Even with a 58/100 (D+) score, FCAP faces multiple-compression risk if 13.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($62.55) or 200D SMA ($58.26) invalidates the momentum regime and cuts Target Base ($63.80) toward Bear Floor ($49.76).
First Capital Inc. (FCAP) slipped -1.39% to $63.80, trading at 75% of its 52-week range ($42.71 – $71). Stretched risk/reward at 13x P/E (12% return on capital) under elevated 10-year interest-rate pressure.
First Capital came into this Q3 2026 earnings print with a reputation as a steady regional bank delivering solid profitability and a P/E of 11.1x that sat a touch below the wider US banks sector. The headline this quarte
(FCAP) on Friday reported earnings of $5.On a per-share basis, the Corydon, Indiana-based company said it had profit of $1.
CORYDON, Ind., Oct. 23, 2026 (GLOBE NEWSWIRE) -- First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $5.1 million, or $1.53 per dilut
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FCAP today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FCAP. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, First Capital Inc. (FCAP) ranks #619 by composite RQD confidence (58/100, grade D+) and #875 by equity capitalization ($213.4M). Within this direct 5-issuer industry benchmark cohort, FCAP leads on earnings valuation at 13.0x trailing P/E, while FCAP leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. FNWD currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with FCAP at 58/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FCAP
ACTIVE
First Capital Inc. | D+ | 58/100 | 13.0x | — | 11.9% | -1.39% | $213.4M | Benchmark Subject |
| CZWI Citizens Community Bancorp Inc. | C- | 60/100 | 15.8x | — | 7.7% | -0.38% | $228.4M | /czwi-vs-fcap → |
| FNWD Finward Bancorp | C | 65/100 | 23.5x | — | 4.6% | +0.48% | $190.2M | /fnwd-vs-fcap → |
| BVFL BV Financial Inc. | C | 62/100 | 14.0x | — | 7.3% | +1.00% | $189.1M | /bvfl-vs-fcap → |
| BCBP BCB Bancorp Inc. (NJ) | D | 49/100 | — | — | -4.1% | +0.47% | $264.8M | /bcbp-vs-fcap → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Capital Inc. (FCAP) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $16.4M, operating cash flow of $21.3M, and free cash flow of $19.9M (-7.8% YoY). On the balance sheet, FCAP closed FY2025 with $1.27B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $16.4M | $21.3M | $19.9M | $1.27B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $11.9M | $22.3M | $21.6M | $1.19B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $12.8M | $14.2M | $14.2M | — | — |
As of 2026-11-01, First Capital Inc. (NASDAQ: FCAP) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $63.80 (-1.39% 1D, market cap $213.4M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FCAP ranks #619 in composite RQD confidence.
Within the Financials sector (Savings Institutions), FCAP carries a Roarable D+ (58/100 RQD), trailing P/E of 13.0x, gross margin of —, and ROIC of 11.9%. By comparison, CZWI (Citizens Community Bancorp Inc.) holds a C- grade (60/100 RQD, P/E 15.8x, ROIC 7.7%, cap $228.4M) and FNWD (Finward Bancorp) posts a C grade (65/100 RQD, P/E 23.5x, ROIC 4.6%, cap $190.2M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).
Per FCAP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001070296), First Capital Inc. generated $0 in revenue, $16.4M in net income, and $19.9M in free cash flow against $1.27B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
FCAP last traded at $63.80 (-1.39% on volume of 15,946 shares), positioning the stock +2.00% above its 50-day simple moving average ($62.55) and +9.51% above its 200-day simple moving average ($58.26). Across its 52-week range of $42.71 to $71.00, FCAP sits at the 74.5% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of ±6.3% ($59.78 to $67.82).
Why FCAP Stock slipped -1.39% Today — RQD Quant Desk Flash. Stretched risk/reward at 13x P/E (12% return on capital) under elevated 10-year interest-rate pressure.
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