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First Capital (FCAP) Company Profile

Updated Sep 9, 2019
First Capital has the following business profile:
Company's Full Name:First Capital, Inc.
Short Name:First Capital
Trading Ticker Symbol:FCAP
Primary Exchange:NASDAQ
Headquarter City/Country:Indiana, IN
Primary Industry Sector:Finance
Seconday Sub-sector:Savings Institutions
Main Business Areas: Finance, Savings Institutions, Financial Services, Savings & Cooperative Banks
Dividend Payments:Dividend History

Market and Trading Information for First Capital

The following details were available for trading and market data about the stock of First Capital as of writing:
Current Share Price:$56.19
Previous Year's Closing Price:$42.48
Percentage Price Change (YTD):32.27%
Market Cap:$192.3 million
52-week Price Range:$33.72 - $57.95
Dividend Per Share:$0.93
EPS (TTM):3
Price-Earnings (Trailing):18.73
Price-Earnings (Forward):0

Company Profile and Business Description for First Capital

First Capital, Inc. (First Capital), incorporated on October 11, 1998, is the savings and loan holding company of First Harrison Bank (the Bank). The Bank is a federally-chartered savings bank, which provides various banking services to individuals and business customers through a network of over 17 locations in Indiana and Kentucky. The Bank offers real estate mortgage loans. The Bank originates mortgage loans for sale in the secondary market, and also sells non-deposit investment products through a financial services division. First Harrison Investments, Inc. and First Harrison Holdings, Inc. are the subsidiaries of the Bank that jointly own First Harrison, LLC, a limited liability company that holds and manages an investment securities portfolio. Heritage Hill, LLC is the subsidiary of the Bank that holds and operates certain foreclosed real estate properties. FHB Risk Mitigation Services, Inc. is the subsidiary of the Company that provides property and casualty insurance coverage to the Company, the Bank and the Bank's subsidiaries, and reinsurance to over eight other third party insurance companies.

Lending Activities

The Bank's loan portfolio includes residential loans, construction loans, commercial real estate loans, commercial business loans and consumer loans. The Bank's lending activities are concentrated on the origination of one- to four-family residential mortgages, both for sale in the secondary market and for retention in the Bank's loan portfolio. The Bank offers both fixed-rate mortgage loans and adjustable rate mortgage (ARM) loans with terms of 15 to 30 years. The Bank originates construction loans for residential properties and, to a lesser extent, commercial properties. Commercial real estate loans are secured by small retail stores, professional office space and, in certain instances, farm properties. Commercial real estate loans are originated with a loan-to-value ratio not to exceed over 75% of the appraised value of the property.

The Bank's commercial business loans are secured by inventory, accounts receivable, and business equipment, such as trucks and tractors. The Bank offers various secured or guaranteed consumer loans, including automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans and loans secured by savings deposits. In addition, the Bank offers unsecured consumer loans. The Bank's consumer loan portfolio consists of home equity and second mortgage loans, and automobile and truck loans. Automobile and truck loans are originated on new and used vehicles. The Bank originates variable-rate home equity and fixed-rate second mortgage loans for terms not to exceed over five years. Its commercial business loan portfolio amounts to over $23.1 million. The Bank's commercial real estate loan portfolio amounts to over $84.5 million. Its total net loans amount to over $359.16 million.

Investment Activities

The Bank invests in mortgage-backed securities, including mortgage-backed securities guaranteed or insured by Government National Mortgage Association (Ginnie Mae), Federal National Mortgage Association (Fannie Mae) or Federal Home Loan Mortgage Corporation (Freddie Mac). The Bank also invests in collateralized mortgage obligations (CMOs) issued by Ginnie Mae, Fannie Mae and Freddie Mac, as well as private issuers. The Bank's total available for sale securities amount to over $186.75 million.

Sources of Funds

Deposits and loan repayments are the source of the Bank's funds for lending and investment activities and for its business purposes. Deposits are attracted from within the Bank's primary market area through the offering of deposit instruments, including non-interest bearing checking accounts, negotiable order of withdrawal (NOW) accounts, money market accounts, regular savings accounts, certificates of deposit and retirement savings plans. The Bank borrows advances from the Federal Home Loan Bank of Indianapolis to supplement its supply of lendable funds and to meet deposit withdrawal requirements. Advances from the Federal Home Loan Bank of Indianapolis are secured by certain first mortgage loans. The Bank also uses retail repurchase agreements as a source of borrowings. Its total deposits amount to over $350.22 million.

220 Federal Dr NW

Peer / Competitor Companies of Savings Institutions Sector

Along with First Capital, Inc., the following other peer (competitor) companies also exist within the same Savings Institutions - Finance sector whose company profile and dividend history is as follows:

▶ 1st Constitution Bancorp NJ (FCCY): 1st Constitution Bancorp operates as the bank holding company for 1st Constitution Bank that provides commercial and retail banking services in the central and northeastern New Jersey areas. The compa....See Detailed Company Profile  and Dividend History.

▶ Access National (ANCX): Access National Corporation, incorporated on May 12, 2003, is a bank holding company. The Company operates through its subsidiary, Access National Bank (the Bank). The Bank provides credit, deposit, mortgage ....See Detailed Company Profile  and Dividend History.

▶ ASB Bancorp (ASBB): ASB Bancorp, Inc., incorporated on May 12, 2011, is the holding company for Asheville Savings Bank (the Bank). The Companys principal business activity is the ownership of the outstanding shares ....See Detailed Company Profile  and Dividend History.

▶ Astoria Financial (AF): Astoria Financial Corporation, incorporated on June 14, 1993, is a unitary savings and loan holding company. The Companys principal business is the operation of its subsidiary, Astoria Bank. Astoria Banks ....See Detailed Company Profile  and Dividend History.

▶ Atlantic Coast Financial (ACFC): Atlantic Coast Financial Corporation, incorporated on June 22, 2007, is a thrift holding company. The Company, through its subsidiary, Atlantic Coast Bank (the Bank), a federally chartered and insured stock ....See Detailed Company Profile  and Dividend History.

▶ Bancorp 34 (BCTF): Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking services to individuals and businesses in the United States. It accepts various deposit products, such as savin....See Detailed Company Profile  and Dividend History.

▶ Bank Mutual (BKMU): Bank Mutual Corporation, incorporated on April 28, 2003, is a savings and loan holding company. The Company owns Bank Mutual (the Bank), a federally-chartered savings bank. The Bank is engaged ....See Detailed Company Profile  and Dividend History.

▶ BankFinancial (BFIN): BankFinancial Corporation, incorporated on September 23, 2004, is the bank holding company for BankFinancial, National Association (the Bank). The Bank is a full-service, community-oriented national bank principally engaged in the ....See Detailed Company Profile  and Dividend History.

▶ BankUnited (BKU): BankUnited, Inc. operates as the bank holding company for BankUnited, National Association that provides a range of banking services to small and medium sized businesses, and individual and corporate ....See Detailed Company Profile  and Dividend History.

▶ BCB Bancorp NJ (BCBP): BCB Bancorp, Inc. operates as the holding company for BCB Community Bank, a state chartered commercial bank that provides banking products and services to businesses and individuals in the United Stat....See Detailed Company Profile  and Dividend History.

▶ Beneficial Bancorp (BNCL): Beneficial Bancorp, Inc., together with its subsidiaries, provides consumer and commercial banking services to individuals, businesses, and nonprofit organizations in Philadelphia and Southern New Jer....See Detailed Company Profile  and Dividend History.

▶ BofI Holding (BOFI): BofI Holding, Inc. (BofI), incorporated on July 6, 1999, is the holding company for BofI Federal Bank (the Bank). The Bank is a diversified financial services company. The Bank provides ....See Detailed Company Profile  and Dividend History.

▶ BofI Holding (BOFIL): BofI Holding, Inc. (BofI), incorporated on July 6, 1999, is the holding company for BofI Federal Bank (the Bank). The Bank is a diversified financial services company. The Bank provides ....See Detailed Company Profile  and Dividend History.

▶ Broadway Financial (BYFC): Broadway Financial Corporation, incorporated on October 25, 1995, is a savings and loan holding company. The Company is engaged in the savings and loan business through its subsidiary, Broadway Federal ....See Detailed Company Profile  and Dividend History.

▶ Brookline Bancorp (BRKL): Brookline Bancorp, Inc., incorporated on April 11, 2002, operates as a multi-bank holding company for Brookline Bank and its subsidiaries; Bank Rhode Island (BankRI) and its subsidiaries; First Ipswich Bank ....See Detailed Company Profile  and Dividend History.

▶ Capitol Federal Financial (CFFN): Capitol Federal Financial, Inc., incorporated on April 28, 2010, is the savings and loan holding company. The Company provides a range of retail banking services, through its subsidiary, Capitol Federal ....See Detailed Company Profile  and Dividend History.

▶ Carver Bancorp (CARV): Carver Bancorp, Inc. operates as a holding company for Carver Federal Savings Bank, a federally chartered savings bank that provides consumer and commercial banking services for consumers, businesses,....See Detailed Company Profile  and Dividend History.

▶ Central Federal (CFBK): Central Federal Corporation operates as the bank holding company for CFBank that provides various financial services in the United States. The company accepts savings, retail and business checking, an....See Detailed Company Profile  and Dividend History.

▶ Charter Financial (CHFN): Charter Financial Corporation, incorporated on February 16, 1993, is a savings and loan holding company for CharterBank (the Bank). The Bank is a federally-chartered savings bank. The Banks principal business ....See Detailed Company Profile  and Dividend History.

▶ Citizens Community Bancorp (CZWI): Citizens Community Bancorp, Inc., incorporated on June 27, 2006, is a bank holding company of Citizens Community Federal N.A. (the Bank). The Company is engaged in consumer, commercial and agricultural ....See Detailed Company Profile  and Dividend History.

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