62.70
+0.56%
Close of 9 Nov 2026, in USD
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About First Capital
From its filings with the US Securities and Exchange Commission
First Capital is based in Corydon, Indiana and is incorporated in Indiana. Its shares trade on Nasdaq under the ticker FCAP. The SEC classifies its business as savings institution, federally chartered. In the fiscal year to 31 December 2025, it reported revenue of $7.2m and net income of $16.4m. At that date it held total assets of $1.27bn and shareholders' equity of $137.8m.
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 federal mutual holding company to a stock holding company. On January 12, 2000, the Company completed a merger of equals with HCB Bancorp, the former holding company for Harrison County Bank, and the Bank changed its name to First Harrison Bank. On March 20, 2003, the Company acquired Hometown Bancshares, Inc. (“Hometown”), a bank holding company located in New Albany, Indiana. On December 4, 2015, the Company acquired Peoples Bancorp, Inc. of Bullitt County and its wholly-owned bank subsidiary, Peoples Bank of Bullitt County (“Peoples”), headquartered in Shepherdsville, Kentucky.
On September 20, 2017, the Bank filed applications with the Indiana Department of Financial Institutions (“IDFI”) and the Federal Deposit Insurance Corporation (“FDIC”) to convert from a federal savings association into an Indiana chartered commercial bank (the “Conversion”), and since June 30, 2018, the IDFI is the Bank’s primary regulator and the FDIC is the Bank’s primary federal regulator.
Quoted from its 10-K, filed 31 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 4 Jan 1999
- Employees
- 176
- Head office
- 220 FEDERAL DRIVE N W, CORYDON, IN, 47112
- Incorporated in
- IN
- Classification
- Savings Institution, Federally Chartered
- Filer status
- Non-accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Ms. Kathryn ErnstbergerIndependent Chairman of the Board, since 2003$24,433
- Mr. Michael FrederickPresident, Chief Executive Officer, Director, since 1997$363,748
- Mr. Joshua StevensChief Financial Officer$270,898
- Mr. Joseph MahuronChief Credit Officer$214,001
- Mr. William HarrodDirector, since 2000$24,433
- Mr. Christopher ByrdIndependent Director$24,433
- Mr. Robert GuilfoyleIndependent Director$24,433
- Ms. Dana HuberIndependent Director$24,433
- Ms. Pamela KraftIndependent Director$24,433
- Ms. Lou MooreIndependent Director$24,433
- Mr. William OrwickIndependent Director$24,433
- Ms. Jill SaegesserIndependent Director$24,433
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 45
- Environment
- 49
- Social
- 52
- Governance
- 34
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- First Capital Inc has a strong financial position with a stable revenue stream and consistent profitability, enabling it to withstand market downturns and pursue growth opportunities.
- The company has a well-established customer base and a trusted brand reputation, which contributes to customer loyalty and a competitive advantage in the market.
- First Capital Inc has a highly experienced management team and talented workforce, allowing for effective strategic decision-making, operational efficiency, and innovation.
Weaknesses
- First Capital Inc's heavy reliance on a few key clients poses a concentration risk and vulnerability to changes in their businesses or potential loss of those clients.
- The company may have limited geographical presence or market reach, which could restrict its growth potential and leave it susceptible to local economic conditions.
- There might be a lack of diversification in First Capital Inc's product or service offerings, which increases its exposure to changes in consumer preferences or industry trends.
Opportunities
- First Capital Inc could explore expansion through strategic partnerships or acquisitions, allowing it to enter new markets, broaden its customer base, and diversify its revenue streams.
- The company can leverage advancements in technology to enhance efficiency, develop innovative products or services, and deliver a superior customer experience, giving it a competitive edge.
- There may be potential for First Capital Inc to tap into emerging markets or underserved segments, providing an opportunity for additional growth and market penetration.
Threats
- First Capital Inc faces competition from other financial institutions, which could lead to increased pricing pressure, loss of market share, or difficulties in attracting and retaining customers.
- Changes in government regulations or policies may impact the company's operations, requiring compliance efforts and potentially affecting its profitability.
- Economic uncertainties or recessionary periods could lead to lower demand for financial services, impacting First Capital Inc's revenue and profitability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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