Net interest margin expansion or compression driven by Federal Reserve policy and deposit pricing competition
Loan portfolio growth rates in commercial real estate, C&I lending, and consumer segments within served markets
Credit quality metrics including non-performing asset ratios, charge-offs, and provision expense trends
Deposit franchise stability and cost of funds relative to rising rate environment
high - Regional bank profitability is highly correlated with local economic conditions affecting loan demand, credit quality, and deposit flows. Commercial real estate exposure creates sensitivity to property values and occupancy rates. Consumer lending performance depends on employment levels and household income in served markets. Economic downturns typically trigger loan loss provisions and reduced lending activity.
Net interest margin is the primary earnings driver for community banks. Rising short-term rates (Federal Funds) typically benefit asset-sensitive banks by repricing loans faster than deposits, expanding NIM. However, inverted yield curves compress margins by increasing deposit costs while limiting loan yield expansion. The current environment (February 2026) requires monitoring whether deposit betas (percentage of rate increases passed to depositors) remain favorable. Prolonged higher rates can also reduce loan demand and slow balance sheet growth.
Industry consolidation pressure as scale economics favor larger banks with technology investment capacity and regulatory compliance infrastructure
Digital banking disruption from fintech competitors and national banks offering high-yield online deposit products, potentially eroding deposit franchise and increasing funding costs
Regulatory burden disproportionately affecting small banks with limited compliance resources, including capital requirements, stress testing, and consumer protection regulations
value - The 0.5x price-to-book valuation attracts deep value investors seeking discount to tangible equity, potential M&A targets, or turnaround situations. The 12.1% FCF yield and improving profitability (37% net income growth) may appeal to investors betting on multiple expansion as earnings quality improves. Small market cap ($200M) limits institutional ownership and creates illiquidity, attracting patient value investors rather than momentum or growth-oriented funds.
No analyst coverage available for this stock.
2 signals unavailable — limited data for this stock
Trend
+4.0% vs SMA 50 · +46.5% vs SMA 200
Momentum
Accumulation pattern present — more buying days than selling over the past 20 sessions. Volume conditions support gradual price improvement.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Dividend per payment — last 8 periods
INSTITUTIONAL OWNERSHIP
FCAP News
About
First Capital, Inc. is the holding company for First Harrison Bank. The Bank provides banking services to individuals and small businesses in southern Indiana. First Harrison also provides business, consumer, commercial, real estate, and residential construction loans. A subsidiary also provides property and casualty and life insurance products.
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
FCAP◀ | $54.18 | -3.80% | $181M | 10.4 | +1236.1% | 2506.0% | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | — | — | 1501 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1501 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1492 | |
| $49.77 | +0.00% | $353.2B | — | -45.1% | — | 1496 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1528 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1524 | |
| Sector avg | — | -0.83% | — | 18.9 | +829.3% | 2984.9% | 1506 |