(FCAP) First Capital - Ratings and Ratios

First Capital, Inc. (NASDAQ:FCAP) serves as the bank holding company for First Harrison Bank, providing a comprehensive suite of banking services to individuals and businesses across southern Indiana and northern Kentucky. Established in 1891, the company has built a legacy of community-focused banking, offering deposit products such as non-interest-bearing checking accounts, money market accounts, and certificates of deposit. Its lending portfolio includes residential mortgages, construction loans, and commercial real estate loans, alongside consumer loans for automobiles, home equity, and other secured assets. The bank also participates in the secondary mortgage market and invests in mortgage-backed securities and collateralized mortgage obligations to diversify its revenue streams.

From a financial perspective, FCAP operates with a market capitalization of $111.57 million, reflecting its position as a smaller regional bank. The stock currently trades at $37.27, with a 20-day average volume of 2,761 shares. The price-to-earnings ratio of 9.46 indicates a reasonable valuation relative to its profitability, while the price-to-book ratio of 1.07 suggests the stock is trading near its book value. The return on equity of 10.09% highlights its ability to generate returns for shareholders. Moving forward, the 3-month forecast suggests that FCAP may experience a modest price increase, supported by its upward-trending SMA 20 and SMA 50 levels, which currently stand at 35.11 and 33.14, respectively. However, the ATR of 0.92 signals potential volatility, and the lack of a forward P/E ratio may indicate limited near-term growth expectations.