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 Financials and Metrics

First Capital Financials

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

Net income (Q3, 2017)

2.1 m

EBIT (Q3, 2017)

6.2 m

Market capitalization (13-Nov-2017)

122.1 m

Cash (30-Sep-2017)

24.8 m
First Capital's current market capitalization is $122.1 m.
USDFY, 2013FY, 2014FY, 2015FY, 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
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

Revenue

5.8 m5.8 m7.7 m7.9 m8 m7.8 m8.4 m

Cost of goods sold

239 k220 k500 k456 k414 k359 k346 k

Gross profit

5.5 m5.6 m7.2 m7.4 m7.6 m7.4 m8.1 m

Gross profit Margin, %

96%96%94%94%95%95%96%
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

11.1 m33.2 m109.2 m45.8 m

Accounts Receivable

1.7 m1.6 m2.2 m1.9 m

PP&E

10.3 m10.2 m13.9 m14.8 m

Goodwill

5.4 m5.4 m6.5 m6.5 m
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

Cash

16.8 m18.9 m15.4 m39.6 m24.4 m108.8 m70.5 m70.4 m47.7 m36.4 m24.8 m

PP&E

10.5 m10.4 m10.5 m10.2 m10.2 m14.3 m14.3 m14.6 m15 m15.3 m

Goodwill

5.4 m5.4 m5.4 m5.4 m5.4 m6.5 m6.5 m6.5 m6.5 m6.5 m6.5 m

Total Assets

447.7 m448.9 m459.5 m476.9 m465.2 m735.7 m739.3 m742.1 m761.9 m763.2 m754.2 m
    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)

    Accounts Payable

    (98 k)(65 k)(367 k)(34 k)
    USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

    Net Income

    3.8 m1.3 m2.8 m4.3 m1.5 m2.7 m4.1 m1.6 m3.4 m5.1 m1.6 m3.8 m2.1 m

    Depreciation and Amortization

    533 k172 k348 k527 k171 k349 k533 k289 k579 k876 k299 k609 k

    Accounts Receivable

    (229 k)(98 k)(117 k)

    Accounts Payable

    (65 k)(25 k)(37 k)(38 k)(3 k)(33 k)(37 k)(15 k)(22 k)(30 k)(11 k)(19 k)
      Y, 2017

      Financial Leverage

      9.3 x
      Show all financial metrics

      First Capital Operating Metrics

      First Capital's Total Loans Issued was reported to be $394.5 m in Q2, 2017
      FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

      Total Loans Issued

      $300.6 m$297.04 m$298.87 m$305.08 m$359.17 m$357.44 m$362.13 m$366.37 m$381.15 m$385.08 m$394.45 m

      Non-performing Loans

      $3.22 m$1.74 m$1.7 m$1.65 m$4.58 m$3.75 m$3.73 m$3.58 m$3.02 m$3.21 m$2.71 m
      Show all operating metrics

      First Capital Market Value History

      First Capital's Web-traffic and Trends

      First Capital Online and Social Media Presence

      First Capital Company Life and Culture

      You may also be interested in