First Capital

First Capital, Inc. (First Capital) 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. Its loan portfolio includes residential loans, construction loans, commercial real estate loans, commercial business loans and consumer loans. Its consumer loan portfolio consists of home equity and second mortgage loans, and automobile and truck loans. It originates mortgage loans for sale in the secondary market, and also sells non-deposit investment products through a financial services division. 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.

Type
Public
HQ
Corydon, US
Size (employees)
122 (est)
First Capital is headquartered in Corydon, US

First Capital Office Locations

First Capital has an office in Corydon
Corydon, US (HQ)
220 Federal Dr Nw

First Capital Data and Metrics

First Capital Financial Metrics

First Capital's revenue was reported to be $31.3 m in 2016
Numbers are in $, USD

Revenue (Y, 2016)

31.3 m

Revenue growth (Y, 2015 - Y, 2016), %

67%

Gross profit (Y, 2016)

29.5 m

Gross profit margin (Y, 2016), %

94%

Net income (Y, 2016)

6.9 m

EBIT (Y, 2016)

22.7 m

Market capitalization (23-May-2017)

106.1 m

Closing share price (23-May-2017)

31.5

Cash (31-Dec-2016)

45.8 m
First Capital's current market capitalization is $106.1 m.
Numbers are in $, USDFY, 2013FY, 2014FY, 2015Y, 2016

Revenue

23.1 m20.9 m18.7 m31.3 m

Revenue growth, %

(9%)(10%)67%

Cost of goods sold

1 m1.8 m

Gross profit

17.7 m29.5 m

Gross profit Margin, %

95%94%

Operating expense total

13.3 m14.1 m15.6 m19.5 m

EBIT

16 m17.1 m17.7 m22.7 m

EBIT margin, %

70%82%94%73%

Pre tax profit

7.3 m7.9 m7.2 m9.4 m

Income tax expense

2.3 m2.3 m2 m2.5 m

Net Income

5.1 m5.6 m5.2 m6.9 m
Numbers are in $, USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

11.1 m33.2 m109.2 m45.8 m

Accounts Receivable

1.7 m1.6 m2.2 m2.4 m

Inventories

PP&E

10.3 m10.2 m13.9 m14.8 m

Goodwill

5.4 m5.4 m6.5 m6.5 m

Total Assets

444.4 m472.8 m715.8 m743.7 m

Accounts Payable

192 k127 k167 k133 k

Additional Paid-in Capital

24.3 m24.3 m39.5 m39.5 m

Total Equity

53.3 m57.2 m74.5 m75.8 m

Financial Leverage

8.3 x8.3 x9.6 x9.8 x
Numbers are in $, USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

5.1 m5.6 m5.2 m6.9 m

Depreciation and Amortization

707 k698 k756 k1.2 m

Accounts Receivable

(119 k)

Inventories

Accounts Payable

(98 k)(65 k)(367 k)(34 k)

Cash From Operating Activities

9.8 m6.9 m6 m8.2 m

Cash From Investing Activities

(3.3 m)(5.6 m)56.9 m(96.2 m)

Dividends Paid

(2.2 m)(2.3 m)(2.4 m)(2.8 m)

Cash From Financing Activities

(17.2 m)20.8 m13 m24.6 m
Numbers are in $, USDY, 2016

Revenue/Employee

256.3 k

Financial Leverage

9.8 x

First Capital Market Value History

First Capital Online and Social Media Presence

First Capital News and Updates

First Capital Company Life and Culture

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