First Capital (FCAP)
Holds a five-county community bank focused on deposits, mortgages, and local business lending.
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Operates through First Harrison Bank, offering deposits, mortgage banking, real estate finance, and business lending. The franchise is concentrated in southern Indiana and Bullitt County, Kentucky, with one reportable segment and a loan book shaped by real estate.
Runs First Harrison Bank, an Indiana-chartered community bank serving households and local businesses through deposits, retail banking, residential mortgage lending, real estate finance, asset-based lending, and consumer loans.
The franchise is concentrated in Harrison, Floyd, Clark, and Washington counties in Indiana and Bullitt County, Kentucky. Operating results are managed as one reportable segment, with real estate lending and mortgage banking central to how revenue is generated.
Execution centers on local delivery, deposit relationships, secondary-market mortgage sales, and commercial lending staff added as the bank moved from a thrift model to a commercial-bank charter. The business depends on local credit quality, real estate loan demand, deposit competition, and bank regulation.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $563.7M · Total debt $0 · Total assets $1.29B · Shareholders' equity $142.5M
- Revenue
- $17.8M
- Operating income
- $6.0M
- Net income
- $4.8M
Raised for 25 straight years — most recently to $0.32 from $0.31, declared for Sep 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Sep 11, 2026 | Sep 11 | Sep 25 | $0.32 | upcoming · raised from $0.31 |
| Jun 12, 2026 | Jun 12 | Jun 26 | $0.31 | |
| Mar 13, 2026 | Mar 13 | Mar 27 | $0.31 | |
| Dec 12, 2025 | Dec 12 | Dec 26 | $0.31 | |
| Sep 12, 2025 | Sep 12 | Sep 26 | $0.31 | raised from $0.29 |
| Jun 13, 2025 | Jun 13 | Jun 27 | $0.29 | |
| Mar 14, 2025 | Mar 14 | Mar 28 | $0.29 | |
| Dec 13, 2024 | Dec 13 | Dec 27 | $0.29 | |
| Sep 13, 2024 | Sep 13 | Sep 27 | $0.29 | raised from $0.27 |
| Institutions59 holders · as of Mar 31, 2026 | 26.24% | 877.7K shares | |
| Insiders9 holders · as of Mar 2, 2026 | 1.60% | 53.5K shares | |
| Otherremainder | 72.16% | 2.41M shares |
3.34M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
BlackRock, Inc.Institution | 5.20% | 174,008 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 4.47% | 149,423 | 13Fas of Mar 31, 2026 |
Geode Capital Management, LLCInstitution | 2.41% | 80,508 | 13Fas of Mar 31, 2026 |
Siena Capital Partners GP, LLCInstitution | 1.96% | 65,421 | 13Fas of Mar 31, 2026 |
State Street CorpInstitution | 1.39% | 46,360 | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 29, 2025 | Kathy Ernstberger | director | +972 | $41.10 |
- WesBanco
Regional bank with branches across Floyd, Clark, and Bullitt
- Stock Yards Bancorp
Louisville-based bank competing in Bullitt and southern Indiana
- Republic Bancorp
Louisville community bank with direct Bullitt and Indiana overlap
- PNC Financial Services Group
Large bank with direct branches in all key local submarkets
- First Financial Bancorp
Midwest regional bank with Clark and Floyd branch overlap
- German American Bancorp
Southern Indiana bank with Clark/Floyd and Louisville overlap
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Capital | $63.49 | +3.30% | $212.0M | 11.5 | — | 3.1 | +11.0% |
| WesBanco | $40.25 | −0.59% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| Stock Yards Bancorp | $79.54 | +1.49% | $2.35B | 15.8 | 14.7 | 4.2 | +17.2% |
| Republic Bancorp | $97.15 | +0.68% | $1.68B | 14.9 | 14.0 | 3.3 | +9.7% |
| PNC Financial Services Group | $241.57 | −0.38% | $96.74B | 13.3 | 11.9 | 2.8 | +21.4% |
| First Financial Bancorp | $32.68 | +2.05% | $3.43B | 11.5 | 10.2 | 2.6 | +16.7% |
| German American Bancorp | $49.39 | −0.40% | $1.86B | 13.1 | 12.4 | 3.7 | +12.7% |
| Median | 13.2 | 12.1 | 3.0 | +14.7% |