Company Quick10K Filing
First Capital
10-K 2019-12-31 Filed 2020-03-16
10-Q 2019-09-30 Filed 2019-11-12
10-Q 2019-06-30 Filed 2019-08-09
10-Q 2019-03-31 Filed 2019-05-09
10-K 2018-12-31 Filed 2019-03-13
10-Q 2018-09-30 Filed 2018-11-09
10-Q 2018-06-30 Filed 2018-08-08
10-Q 2018-03-31 Filed 2018-05-09
10-K 2017-12-31 Filed 2018-03-12
10-Q 2017-09-30 Filed 2017-11-09
10-Q 2017-06-30 Filed 2017-08-08
10-Q 2017-03-31 Filed 2017-05-09
10-K 2016-12-31 Filed 2017-03-14
10-Q 2016-09-30 Filed 2016-11-14
10-Q 2016-06-30 Filed 2016-08-12
10-Q 2016-03-31 Filed 2016-05-13
10-K 2015-12-31 Filed 2016-03-29
10-Q 2015-09-30 Filed 2015-11-13
10-Q 2015-06-30 Filed 2015-08-13
10-Q 2015-03-31 Filed 2015-05-13
10-K 2014-12-31 Filed 2015-03-27
10-Q 2014-09-30 Filed 2014-11-12
10-Q 2014-06-30 Filed 2014-08-13
10-Q 2014-03-31 Filed 2014-05-13
10-K 2013-12-31 Filed 2014-03-27
10-Q 2013-09-30 Filed 2013-11-13
10-Q 2013-06-30 Filed 2013-08-13
10-Q 2013-03-31 Filed 2013-05-13
10-K 2012-12-31 Filed 2013-03-27
10-Q 2012-09-30 Filed 2012-11-13
10-Q 2012-06-30 Filed 2012-08-13
10-Q 2012-03-31 Filed 2012-05-10
10-K 2011-12-31 Filed 2012-03-22
10-Q 2011-09-30 Filed 2011-11-14
10-Q 2011-06-30 Filed 2011-08-11
10-Q 2011-03-31 Filed 2011-05-13
10-K 2010-12-31 Filed 2011-03-25
10-Q 2010-09-30 Filed 2010-11-10
10-Q 2010-06-30 Filed 2010-08-12
10-Q 2010-03-31 Filed 2010-05-12
10-K 2009-12-31 Filed 2010-03-30
8-K 2020-02-19 Other Events, Exhibits
8-K 2020-01-23 Earnings, Exhibits
8-K 2020-01-14 Officers
8-K 2019-10-18 Earnings, Exhibits
8-K 2019-09-05 Regulation FD, Exhibits
8-K 2019-07-24 Earnings, Exhibits
8-K 2019-05-22 Shareholder Vote
8-K 2019-04-24 Earnings, Exhibits
8-K 2019-02-21 Other Events, Exhibits
8-K 2019-01-23 Earnings, Exhibits
8-K 2018-10-19 Earnings, Exhibits
8-K 2018-09-06 Regulation FD, Exhibits
8-K 2018-07-27 Earnings, Exhibits
8-K 2018-07-16 Officers
8-K 2018-05-23 Shareholder Vote
8-K 2018-04-27 Earnings, Exhibits
8-K 2018-02-21 Other Events, Exhibits
8-K 2018-01-29 Earnings, Exhibits

First Capital Financials

FCAP Metrics, Comps, Filings

Quarterly | Annual

Business

First Capital, Inc. (the "Company" or "First Capital") was incorporated under Indiana law on September 11, 1998. On December 31, 1998, the Company became the holding company for First Federal Bank, A Federal Savings Bank (the "Bank") upon the Bank's reorganization as a wholly owned subsidiary of the Company resulting from the conversion of First Capital, Inc., M.H.C. (the "MHC"), from a federal mutual holding company to a stock holding company. On January 12, 2000, the Company completed a merger of equals with HCB Bancorp, the former holding company for Harrison County Bank, and the Bank changed its name to First Harrison Bank. On March 20, 2003, the Company acquired Hometown Bancshares, Inc. ("Hometown"), a bank holding company located in New Albany, Indiana. On December 4, 2015, the Company acquired Peoples Bancorp, Inc. of Bullitt County and its wholly-owned bank subsidiary, Peoples Bank of Bullitt County ("Peoples"), headquartered in Shepherdsville, Kentucky.

On September 20, 2017, the Bank filed applications with the Indiana Department of Financial Institutions ("IDFI") and the Federal Deposit Insurance Corporation ("FDIC") to convert from a federal savings association into an Indiana chartered commercial bank (the "Conversion"). The Conversion has been completed and, as of June 30, 2018, the IDFI is the Bank's primary regulator and the FDIC is the Bank's primary federal regulator. The Conversion did not affect the Bank's clients in any way and did not affect FDIC deposit insurance on eligible accounts as the Bank's deposits are federally insured by the FDIC under the Deposit Insurance Fund. The Bank is a member of the Federal Home Loan Bank ("FHLB") System.

Additionally, in connection with the Conversion, the Company filed an application with the Federal Reserve Bank of St. Louis to change from a savings and loan holding company to a financial holding company. This change occurred simultaneously with the Conversion discussed above.


Valuation ($MM)

Market Cap, Enterprise Value

Balance Sheet ($MM)

Assets, Stockholders' Equity

Income Statement ($MM Quarterly)

Revenue, Gross Profit, Net Income

Cash Flow ($MM Quarterly)

Operating, Investing, Financing

Comps ($'000 TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
Northrim Bancorp (NRIM) 276,881 0% 5.5 1% 1,616,631 1,412,592 3,036 0 20,959 33,490 184,693
Western New England Bancorp (WNEB) 254,196 0% 11.2 1% 2,173,684 1,941,703 52 0 13,754 41,234 460,230
BCB Bancorp (BCBP) 214,799 -2.4 1% 2,825,499 2,601,780 0 0 20,277 67,088 -161,812
Codorus Valley Bancorp (CVLY) 230,530 4.5 1% 1,869,396 1,680,023 0 0 18,498 44,566 199,942
BankFinancial (BFIN) 186,278 0% 1.3 1% 1,491,982 1,318,115 2,887 0 15,698 34,647 45,485
First Guaranty Bancshares (FGBI) 188,738 5.2 1% 1,805,175 1,643,131 0 0 10,192 36,530 188,738
Riverview Bancorp (RVSB) 173,570 5.7 1% 1,173,019 1,029,900 0 0 17,321 26,812 152,518
Malvern Bancorp (MLVF) 170,994 0% 0.6 1% 1,265,222 1,122,714 1,796 0 9,332 30,576 17,451
First Capital (FCAP) 197,613 0% 13.3 1% 823,344 726,344 4,113 0 10,431 14,881 197,613
Provident Financial (PROV) 156,849 7.8 0% 1,105,296 983,127 0 0 5,156 13,090 102,334
1st Constitution Bancorp (FCCY) 164,504 0% 4.4 1% 1,342,565 1,204,038 490 0 13,787 32,503 143,748
Oconee Federal Financial (OFED) 142,682 11.0 1% 521,829 433,484 0 0 3,812 9,857 108,051
First Savings Financial Group (FSFG) 146,951 0% 3.1 1% 1,222,579 1,101,322 4,367 0 18,107 33,664 105,519
Citizens Community Bancorp (CZWI) 129,050 8.1 1% 1,475,364 1,327,335 0 0 7,393 28,816 234,785
Salisbury Bancorp (SAL) 110,416 2.8 1% 1,144,240 1,032,660 0 0 8,125 20,117 56,868
Sound Financial Bancorp (SFBC) 92,689 2.9 1% 715,319 639,303 0 0 4,809 11,622 33,816
Lake Shore Bancorp (LSBK) 89,565 0% 11.2 1% 596,815 514,356 1,345 0 3,915 9,281 103,925
PB Bancorp (PBBI) 85,643 4.6 1% 544,173 458,389 0 0 3,872 8,919 41,187
MSB Financial (MSBF) 83,268 7.2 0% 591,253 527,033 0 0 2,852 9,355 67,543
Community First Bancshares (CFBI) 77,241 13.5 0% 309,727 233,180 0 0 498 2,899 39,240

Balance Sheet ($'000)2011-06-302011-09-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash1,1007318058861,5001,7001,800
Accounts Receivable
Inventory
PP&E10,80010,75810,72110,61810,60910,59318,18610,70010,59110,46218,32310,39610,47210,33418,78410,24910,23810,23623,12114,27514,34114,55424,29014,95015,26915,17425,25314,80614,60814,44325,59414,35114,54615,121
Assets444,979437,290438,886441,373453,786458,352459,132455,617460,577447,703444,384448,887459,537460,292472,761472,929476,924465,219715,827735,733739,344742,077743,658761,937763,174754,235758,956767,324788,077790,541794,162813,861834,918823,344
Accounts Payable
Long-Term Debt
Liabilities395,351386,672387,833390,268401,811406,124406,196402,349408,076394,816391,045394,244404,290404,002415,528414,519418,510405,619641,319659,663661,329663,371667,816684,754682,924672,857677,906687,878707,661709,198708,206724,633740,488726,344
Stockholders' Equity49,52350,51050,94250,99151,87052,12052,82453,15352,39652,77953,22754,52855,14256,18257,12158,29558,30959,49274,39675,95577,91078,59875,73077,06880,14581,27080,93879,33180,31181,23585,84489,11394,32596,892
Income Statement ($'000)2011-06-302011-09-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Revenue1,1971,3181,2921,2401,4241,449
Cost of Revenue
Gross Profit
R&D
SG&A
Tax3584514153634275495555118506535345596926114504694875075015646676666265151,430825928361705530216442568537
Net Income9451,0961,0429221,0397221,2521,1971,2141,4291,2471,3001,5221,5271,2581,4691,2321,4011,1091,5851,7871,7611,7441,5562,1942,1121,5902,1362,1042,5272,4992,1502,8642,918
Cash Flow ($'000)2011-06-302011-09-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash Operating1,946-123,4631,4671,6977315335,9602,751-6,5612,878-2,1195,0051,1844,138-1,3563,935-7112,7923,2362,319-1074,8252,5961,7293,3582,9464,1394,9311,1682,050
Cash Investing8,3813,4165,695-18,929-5,435579,786-7,178-5,4702,3222,179-10,3581,6918843,171-1,991-4,92160,668-3,054-29,641-19,311-11,892-5,0033,975-24-15,311-6,612-11,457-3,034
Cash Financing-9,6146812,08510,9662,763-272-4,4925,880-14,173-4,3702,6959,017-1,96111,012-1,9824,424-14,25024,80618,3075255885,20216,308-2,0084,3176,23719,479-56316,11215,272-16,084