FIRST CAPITAL INC
FCAP · Savings Institution, Federally Chartered · 3.3M shares · +0%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: $250K (gross $502K, SBC $252K)
Reference price $41.10 · est. market cap ~$138M — last insider purchase, 2025-08-29 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B74First Capital (IN) — high-ROE small bank with strong earnings growth.
Strengths
- ROE 11.9% (95th pct), ROA (90th), net income up sharply (87th)
Risks
- Very small scale
- Rate sensitivity
Key metrics
Return on equity
11.9%
Return on assets
1.3%
Net-income growth
37.1%
Free cash flow
$20M
Tangible book value
$131M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-02-27 | FREDERICK CHRIS | Grant | 300 | $50.80 |
| 2026-02-27 | Stevens Joshua Paul | Grant | 300 | $50.80 |
| 2025-08-29 | ERNSTBERGER KATHY | Buy | 972 | $41.10 |
| 2025-08-15 | Stevens Joshua Paul | Grant | 200 | $37.50 |
| 2025-08-15 | FREDERICK CHRIS | Grant | 200 | $38.25 |
| 2025-08-15 | Stevens Joshua Paul | Buy | 200 | $37.50 |
| 2025-08-15 | FREDERICK CHRIS | Buy | 200 | $38.25 |
| 2025-05-01 | Kraft Pamela G | Buy | 140 | $44.38 |
| 2025-05-01 | Kraft Pamela G | Buy | 60 | $45.70 |
| 2025-03-11 | ERNSTBERGER KATHY | L | 75 | $37.90 |
| 2025-03-11 | Kraft Pamela G | L | 75 | $37.90 |
| 2025-03-11 | Stevens Joshua Paul | Grant | 300 | $37.90 |
| 2025-03-11 | FREDERICK CHRIS | Grant | 300 | $37.90 |
| 2025-02-03 | Stevens Joshua Paul | L | 15 | $31.07 |
| 2025-01-31 | Stevens Joshua Paul | L | 286 | $31.76 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-22 | 2026-05-18 | 0001104659-26-065684 ↗ |
| 10-Q | 2026-05-12 | 2026-03-31 | 0001104659-26-059444 ↗ |
| 8-K | 2026-04-24 | 2026-04-24 | 0001104659-26-048657 ↗ |
| 10-K | 2026-03-31 | 2025-12-31 | 0001104659-26-037802 ↗ |
| 8-K | 2026-02-19 | 2026-02-19 | 0001171843-26-000944 ↗ |
| 8-K | 2026-01-23 | 2026-01-23 | 0001104659-26-006268 ↗ |
| 10-Q | 2025-11-14 | 2025-09-30 | 0001104659-25-112606 ↗ |
| 8-K | 2025-10-24 | 2025-10-24 | 0001104659-25-102178 ↗ |
| 8-K | 2025-08-29 | 2025-08-29 | 0001104659-25-085749 ↗ |
| 10-Q | 2025-08-14 | 2025-06-30 | 0001558370-25-011580 ↗ |
| 8-K | 2025-07-25 | 2025-07-25 | 0001558370-25-009618 ↗ |
| 8-K | 2025-05-28 | 2025-05-21 | 0001104659-25-053555 ↗ |