5 Undervalued Banks Stocks for Friday, October 23
Discover the top 5 undervalued Banks stocks for Friday, October 23 based on AAII’s Stock Grades.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company provides various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also offers residential mortgage loans; construction loans for residential and commercial properties; and commercial real estate and business loans. In addition, the company originates residential mortgage, multi-family residential, commercial real estate and business, and consumer loans. Further, it provides various secured or guaranteed consumer loans, including automobile and truck, home equity, home improvement, boat, and mobile home loans; unsecured consumer loans; and loans secured by savings deposits. Additionally, the company invests in mortgage-backed securities and collateralized mortgage obligations. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.
Commentary & Analysis
Is First Capital, Inc. (FCAP) Overvalued?
We dive into why First Capital, Inc. (FCAP) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Jenna Brashear
Why First Capital, Inc.’s (FCAP) Stock Is Up 5.39%
As of Monday, August 03, First Capital, Inc.’s FCAP share price has surged by 5.39%, which has investors questioning if this is right time to sell.Michael Rose
Why First Capital, Inc.’s (FCAP) Stock Is Down 6.78%
As of Thursday, July 09, First Capital, Inc.’s FCAP share price has dipped by 6.78%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Why First Capital, Inc.’s (FCAP) Stock Is Up 6.02%
As of Tuesday, February 10, First Capital, Inc.’s FCAP share price has surged by 6.02%, which has investors questioning if this is right time to sell.Jenna Brashear
Financial Summary
| Share Statistics | FCAP | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $209.4 | $681.9 | 29% |
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| Shares Out (Mil) | 3.3 | 15.0 | 11% |
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| Institutional Ownership | 84.7% | 84.0% | 53% |
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| Float (Mil) | 3.2 | 21.6 | 8% |
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| Beta | 0.73 | 0.47 | 42% |
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| Avg Daily Volume (000s) | 19 | 51 | 21% |
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| Price Change (52-week) |
48.2% | 92.3% | 85% |
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| Growth | FCAP | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 7.2% | 7.6% | 47% |
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| Net Income (5yr) | 10.2% | 11.1% | 56% |
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| EPS (5yr) | 10.1% | 10.0% | 47 |
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| Dividends (5yr) | 4.6% | 3.6% | 83% |
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| Cash Flow (5yr) | (24.1%) | (17.1%) | 27% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | FCAP | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $53 | $187 | 20% |
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| Net Income (TTM) (Mil) | $18 | $53 | 48% |
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| EPS (TTM) | $5.523 | $2.600 | 88% |
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| Operating Cash Flow (TTM) (Mil) | $24 | $34 | 42% |
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| Net Cash Flow (TTM) (Mil) | $15 | $2 | 60% |
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| Long-Term Debt (Q1) (Mil) | $0 | $98 | 0% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FCAP | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.47 | 1.26 | 41% |
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| P/E | 11.3 | 12.3 | 24% |
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| Dividend Yield | 2.0% | 2.3% | 76% |
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| PEG (5yr hist) | 1.1 | 1.1 | 51% |
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| Ratios | FCAP | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 35.0% | 29.6% | 92% |
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| ROA | 1.5% | 1.1% | 52% |
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| ROE | 13.9% | 11.4% | 68% |
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| Liabilities to Assets | 88.9% | 89.7% | 84% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 10/30/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.5 |
