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First Capital, Inc (FCAP) Fair Value & Analysis

Financial Services · US · Market cap $204M

Price$62.99
Fair Value$63.60
Upside+1.0%
Quality95/100
Evidence: High Range $47.70 – $79.50

Fair value as of: Jun 26, 2026

Analysis

First Capital, Inc (FCAP) currently trades at $62.99, while our model-based Fair Value estimate is $63.60 — implying the stock looks roughly 1.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company provides various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also offers residential mortgage loans; construction loans for residential and commercial properties; and commercial real estate and business loans. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it provides various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; unsecured consumer loans; and loans secured by savings deposits. Additionally, the company invests…

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Frequently asked questions

Is First Capital, Inc (FCAP) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $63.60 versus a price of $62.99 — about +1% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FCAP?
Our 21-model fair value for First Capital, Inc is $63.60 (as of Jun 26, 2026), built from audited fundamentals. The current price is $62.99.
What is the quality score of FCAP?
First Capital, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.