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First Capital Inc (FCAP) company profile

FCAPNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 12, 2026Score 18/3018% above fair value
$66.00+1.38 (+2.14%)

Close on Nov 12, 2026Market cap $220.75MP/E 11.5Yield 1.82%

About First Capital

Savings Institution, Federally Chartered, SIC 6035

First Capital, Inc. operates as a financial holding company through its subsidiary, First Harrison Bank. The institution provides commercial and retail banking services to consumers, commercial businesses, and local property builders. Its primary offerings include one-to-four-family residential mortgages, multifamily residential loans, and residential and commercial construction financing. In addition, the bank provides commercial real estate loans, commercial business credit lines, and various consumer loans such as home equity financing, second mortgages, and automobile loans.

All of the bank's offices are located across five counties, consisting of Harrison, Floyd, Clark, and Washington counties in Indiana, as well as Bullitt County in Kentucky. Most of its lending and deposit operations take place within these five counties. The organization maintains its headquarters and main bank office in Corydon, Indiana, situated approximately thirty-five miles west of Louisville, Kentucky.

Summary of the business section of First Capital's latest annual report, written by StockData.

Company profile

Company

Legal name
First Capital Inc
Founded
1998
Headquarters
Corydon, IN
Address
220 Federal Drive N W 47112
Phone
(812) 738-2198
Employees
176, Dec 31, 2025
Industry
Savings Institution, Federally Chartered
Incorporated in
Indiana
Fiscal year ends
December 31
Auditor
Monroe Shine& Co.,Inc., New Albany, Indiana

Stock & identifiers

Ticker
FCAP
Exchange
Nasdaq
IPO date
Jan 4, 1999
Shares outstanding
3M, Jul 31, 2026
Public float
$132.40M, Jun 30, 2025
Filer category
Non-accelerated filer<br>Smaller reporting company
Stock splits
11-for-10, Jul 17, 2006
SEC CIK
1070296
CUSIP
31942S104
ISIN
US31942S1042
FIGI
BBG000BB6568
Share class FIGI
BBG001S5R2C8
EIN
35-2056949

Executives and directors

Officers and directors who filed ownership reports (Forms 3, 4, 5) in the last two years

NamePositionShares owned
Chris FrederickCHIEF EXECUTIVE OFFICER, Director8,637
Joshua Paul StevensCHIEF FINANCIAL OFFICER2,495
William W. HarrodDirector17,093
William I. Orwick SrDirector5,847
Carolyn E. WallaceDirector2,264
Pamela G. KraftDirector3,277
Christopher L. ByrdDirector6,164
Dana L. HuberDirector14,235
Lou Ann MooreDirector775
Robert C. GuilfoyleDirector837
Jill SaegesserDirector1,260
John ShiremanDirector1,575
Mark D. ShiremanDirector52,076
Kathy ErnstbergerDirector3,543
Michael L. ShiremanDirector16,872

CEO pay and shareholder return

Pay versus performance table from the proxy statement

Fiscal yearCEO total payCEO pay actually paidOther executives (avg)Value of $100 investedPeer group
FY2025$393.42K$405.69K$265.64K$251–
FY2024$363.87K$364.13K$242.48K$138–
FY2023$375.70K$376.76K$239.39K$116–
FY2022$341.67K$314.07K$202.57K$44–
FY2021$335.12K$285.10K$189.52K$69–

“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.

Executive compensation, fiscal 2025

Summary compensation table from the latest proxy statement

ExecutiveSalaryStock awardsIncentive payOtherTotalvs. prior year
Michael C. Frederick
President, Chief Executive Officer
$293.81K$15.24K$42.34K$42.03K$393.42K+8%
Joshua P. Stevens
Chief Financial Officer
$215.63K$15.24K$35.88K$27.42K$294.16K+9%
Joseph D. Mahuron
Chief Credit Officer
$151.56K$15.24K$28.11K$42.21K$237.13K+11%

Stock and option awards are grant-date fair values, not realized pay. “Other” includes pension value changes and all other compensation. Source proxy statement.

Employees

Headcount reported in annual reports

“As of December 31, 2025, the Bank had 176 full-time employees and 40 part-time employees.”

Corporate history

Events identified from SEC filings

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