First Capital Inc
FCAPFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 12:28 PM ET
63.33+0.04 (0.06%)
2026-11-11 18:28 CET
Market cap
211.68 USD m
Revenue, TTM
- USD m
Net income, TTM
19.07 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
5.71
P/E
11.09
Price
FCAP against its 20, 50 and 200-day averages2050200
10.8% under the 52-week high of 71.00 on 19 Dec 2025. 52-week low 43.50 on 12 Nov 2025. Last 15 sessions, 10.0% high to low
Profile
FCAP52-week range, 72% of the way up
43.5071.00
First Capital, Inc. operates as a bank holding company, which engages in the provision of commercial and business banking services. Its loan portfolio includes residential real estate, land, construction, commercial real estate and business, home equity and second mortgage, and other consumer loans. The company was founded on September 11, 1998 and is headquartered in Corydon, IN.
| Index | RUT |
|---|---|
| Employees | 176 |
| IPO | Jan 08, 1999 |
| Beta | 0.76 |
| ATR, 14d | 1.98 |
| Rel volume | 0.81 |
| Short float | 5.31% |
| Insider own | 4.14% |
| Inst own | 27.06% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 211.81M |
| Enterprise Value | - |
| Income | 19.07M |
| Sales | 69.99M |
| Book/sh | 42.60 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 1.25 (1.97%) |
| Dividend Ex-Date | Sep 11, 2026 |
| Dividend Gr. 3/5Y | 4.89% 4.56% |
| Payout | 24.55% |
| Employees | 176 |
| IPO | Jan 08, 1999 |
Ratios
| P/E | 11.09 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 3.03 |
| P/B | 1.49 |
| P/C | - |
| P/FCF | 9.67 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.71 |
| Debt/Eq | 0.00 |
| LT Debt/Eq | 0.00 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 5.71 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 11.28% 10.08% |
| Sales past 3/5Y | 15.51% 11.14% |
| EPS Y/Y TTM | 29.70% |
| Sales Y/Y TTM | 10.53% |
| EPS Q/Q | 14.30% |
| Sales Q/Q | 9.34% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 4.14% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 27.06% |
| Inst Trans | 2.06% |
| ROA | 1.52% |
| ROE | 14.23% |
| ROIC | 13.39% |
| Gross Margin | - |
| Oper. Margin | 33.63% |
| Profit Margin | 27.25% |
| SMA20 | 0.46% |
| SMA50 | 0.92% |
| SMA200 | 7.80% |
| Trades | - |
Technical
| Shs Outstand | 3.34M |
|---|---|
| Shs Float | 3.21M |
| Short Float | 5.31% |
| Short Ratio | 7.74 |
| Short Interest | 0.17M |
| 52W High | 71.00 -10.80% |
| 52W Low | 43.50 45.59% |
| Volatility | 3.85% 2.92% |
| ATR (14) | 1.98 |
| RSI (14) | 51.49 |
| Beta | 0.76 |
| Rel Volume | 0.81 |
| Avg Volume | 22.03K |
| Volume | 8,604 |
Performance
| Perf Week | -1.63% |
|---|---|
| Perf Month | 1.67% |
| Perf Quarter | -3.25% |
| Perf Half Y | 13.54% |
| Perf YTD | 6.98% |
| Perf Year | 40.86% |
| Perf 3Y | 146.90% |
| Perf 5Y | 54.50% |
| Perf 10Y | 101.94% |
| Recom | - |
| Target Price | - |
| Prev Close | 63.29 |
| Price | 63.33 |
| Change % | 0.06% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| RMBI | Richmond Mutual Bancorporation Inc | 262.62M |
| FNWD | Finward Bancorp | 188.87M |
| OVBC | Ohio Valley Banc Corp | 231.31M |
| LCNB | LCNB Corp | 280.68M |
| SBFG | SB Financial Group Inc | 181.60M |
| THFF | First Financial Corp | 917.22M |
| GABC | German American Bancorp Inc | 1.87B |
| KFFB | Kentucky First Federal Bancorp | 46.09M |
| SYBT | Stock Yards Bancorp Inc | 2.48B |
| CTBI | Community Trust Bancorp Inc | 1.27B |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | - |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | - |
News
latest 14 of 206- First Capital, Inc. to Expand Southern Indiana and Western Kentucky Presence with the Acquisition of First Bancorp of Indiana, Inc. (GlobeNewswire)
- First Capital: Q3 Earnings Snapshot (Associated Press)
- First Capital, Inc. Reports Quarterly Earnings (GlobeNewswire)
- First Capital, Inc. Announces Quarterly Dividend (GlobeNewswire)
- First Capital: Q2 Earnings Snapshot (Associated Press)
- Loading…
- First Capital, Inc. Reports Quarterly Earnings (GlobeNewswire)
- First Capital, Inc. Announces Quarterly Dividend (GlobeNewswire)
- First Capital: Q1 Earnings Snapshot (Associated Press)
- First Capital, Inc. Reports Quarterly Earnings (GlobeNewswire)
- First Capital, Inc. Announces Date of Annual Meeting (GlobeNewswire)
- First Capital, Inc. Announces Quarterly Dividend (GlobeNewswire)
- First Capital: Q4 Earnings Snapshot (Associated Press Finance)
- First Capital, Inc. Reports Record Annual and Quarterly Earnings (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-24 | - | - | 1.297 | - | - | - |
| 2025Q4 | 2026-01-23 | - | - | 1.460 | - | - | - |
| 2025Q3 | 2025-10-24 | - | - | 1.337 | - | - | - |
| 2025Q2 | 2025-07-25 | - | - | 1.127 | - | - | - |
| 2025Q1 | 2025-04-25 | - | - | 0.966 | 11.43 | - | - |
| 2024Q4 | 2025-01-24 | - | - | 0.975 | 11.34 | - | - |
| 2024Q3 | 2024-10-25 | - | - | 0.866 | - | - | - |
| 2024Q2 | 2024-07-26 | - | - | 0.845 | - | - | - |
| 2024Q1 | 2024-04-26 | - | - | 0.883 | - | - | - |
| 2023Q4 | 2024-01-31 | - | - | 0.930 | - | - | - |
| 2023Q3 | 2023-10-27 | - | - | 0.938 | - | - | - |
| 2023Q2 | 2023-07-28 | - | - | 0.815 | - | - | - |
| 2023Q1 | 2023-04-28 | - | - | 1.138 | - | - | - |
| 2022Q4 | 2023-01-26 | - | - | 1.054 | - | - | - |
| 2022Q3 | 2022-10-31 | - | - | 0.930 | - | - | - |
| 2022Q2 | 2022-07-21 | - | - | 0.809 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 2.234 | 2.774 | 3.088 | 3.025 | 3.414 | 3.548 | 3.821 | 3.568 | 4.889 | 5.7103 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.866 | 0.975 | 0.966 | 1.127 | 1.337 | 1.46 | 1.297 | 1.426 | 1.528 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 33.123 | 35.508 | 39.062 | 38.436 | 38.664 | 42.281 | 51.444 | 58.501 | 65.163 | 69.99 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 15.22 | 15.23 | 15.176 | 16.099 | 16.814 | 17.074 | 16.794 | 17.735 | 18.385 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 3.337 | 3.355 | 3.364 | 3.376 | 3.373 | 3.371 | 3.351 | 3.352 | 3.342 | 3.345 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 3.352 | 3.352 | 3.355 | 3.355 | 3.354 | 3.342 | 3.346 | 3.345 | - | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 61.44 | 56.85 | 50.47 | 43.60 | 33.94 | 29.46 | 29.65 | 32.05 | 28.89 |
| Total Interest Expense | 14.23 | 14.70 | 14.68 | 9.02 | 1.59 | 1.13 | 1.56 | 1.96 | 1.61 |
| Net Interest Income | 47.22 | 42.15 | 35.79 | 34.59 | 32.35 | 28.33 | 28.09 | 30.09 | 27.27 |
| Loan Loss Provision | 1.48 | 1.14 | 1.45 | 1.14 | 0.95 | -0.33 | 1.80 | 1.43 | 1.17 |
| Net Interest Income After Loan Loss Provision | 45.74 | 41.01 | 34.34 | 33.45 | 31.40 | 28.66 | 26.29 | 28.67 | 26.11 |
| Non-Interest Income | 8.55 | 8.32 | 8.03 | 7.84 | 8.34 | 9.20 | 8.79 | 7.01 | 6.62 |
| Non-Interest Expense | 30.75 | 29.41 | 28.20 | 26.23 | 25.50 | 24.18 | 23.24 | 23.35 | 21.80 |
| Operating Income | 23.54 | 19.91 | 14.17 | 15.05 | 14.23 | 13.68 | 11.84 | 12.32 | 10.93 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.27 |
| Net Income Before Taxes | 23.54 | 19.91 | 14.17 | 15.05 | 14.23 | 13.68 | 11.84 | 12.32 | 10.66 |
| Income Taxes | 4.45 | 3.53 | 2.22 | 2.25 | 2.32 | 2.24 | 1.69 | 1.99 | 1.39 |
| Consolidated Net Income | 19.09 | 16.38 | 11.95 | 12.80 | 11.91 | 11.44 | 10.14 | 10.34 | 9.27 |
| Net Income From Continuing Operations | 19.07 | 16.37 | 11.94 | 12.79 | 11.90 | 11.42 | 10.13 | 10.32 | 9.25 |
| Net Income | 19.07 | 16.37 | 11.94 | 12.79 | 11.90 | 11.42 | 10.13 | 10.32 | 9.25 |
| EPS (Recurring) | 5.71 | 4.89 | 3.57 | 3.82 | 3.55 | 3.41 | 3.02 | 3.09 | 2.83 |
| EPS (Basic, Before Extraordinaries) | 5.72 | 4.89 | 3.57 | 3.82 | 3.55 | 3.41 | 3.03 | 3.10 | 2.78 |
| EPS (Diluted) | 5.71 | 4.89 | 3.57 | 3.82 | 3.55 | 3.41 | 3.02 | 3.09 | 2.77 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.09 | 0.18 | 0.22 | 0.38 | 0.39 | 0.21 | 0.21 | 0.15 |
| Price To Earnings Ratio | 11.08 | 11.08 | 9.15 | 7.07 | 7.48 | 11.89 | 20.02 | 23.64 | 15.31 |
| Price To Sales Ratio | 2.94 | 3.04 | 1.84 | 1.82 | 1.98 | 3.51 | 5.28 | 6.25 | 3.99 |
| Operating Margin | 33.63 | 30.55 | 24.22 | 29.26 | 33.67 | 35.37 | 30.79 | 31.55 | 30.78 |
| Net Margin | 27.25 | 25.12 | 20.41 | 24.86 | 28.15 | 29.55 | 26.36 | 26.43 | 26.06 |
| Shares Outstanding | - | 3.34 | 3.35 | 3.35 | 3.37 | 3.37 | 3.38 | 3.36 | 3.35 |
| Market Capitalization | 211.68 | 211.68 | 108.10 | 93.48 | 83.95 | 136.64 | 204.44 | 245.57 | 142.56 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 16.09 | 15.62 | 14.92 | 14.80 | 14.66 | 14.04 | 13.35 | 13.19 |
| Total Interest Expense | 3.58 | 3.54 | 3.51 | 3.60 | 3.70 | 3.63 | 3.77 | 3.78 |
| Net Interest Income | 12.51 | 12.09 | 11.42 | 11.20 | 10.96 | 10.41 | 9.58 | 9.41 |
| Loan Loss Provision | 0.35 | 0.42 | 0.35 | 0.35 | 0.15 | 0.31 | 0.34 | 0.35 |
| Net Interest Income After Loan Loss Provision | 12.15 | 11.66 | 11.07 | 10.85 | 10.81 | 10.11 | 9.24 | 9.06 |
| Non-Interest Income | 2.29 | 2.11 | 1.87 | 2.27 | 2.16 | 2.06 | 1.83 | 2.04 |
| Non-Interest Expense | 8.11 | 7.76 | 7.58 | 7.30 | 7.41 | 7.54 | 7.16 | 7.15 |
| Operating Income | 6.34 | 6.01 | 5.36 | 5.82 | 5.55 | 4.63 | 3.91 | 3.95 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 6.34 | 6.01 | 5.36 | 5.82 | 5.55 | 4.63 | 3.91 | 3.95 |
| Income Taxes | 1.23 | 1.25 | 1.03 | 0.94 | 1.07 | 0.85 | 0.67 | 0.68 |
| Consolidated Net Income | 5.11 | 4.76 | 4.33 | 4.88 | 4.48 | 3.78 | 3.24 | 3.27 |
| Net Income From Continuing Operations | 5.10 | 4.76 | 4.33 | 4.88 | 4.48 | 3.77 | 3.23 | 3.26 |
| Net Income | 5.10 | 4.76 | 4.33 | 4.88 | 4.48 | 3.77 | 3.23 | 3.26 |
| EPS (Recurring) | 1.53 | 1.43 | 1.30 | 1.46 | 1.34 | 1.13 | 0.97 | 0.97 |
| EPS (Basic, Before Extraordinaries) | 1.53 | 1.43 | 1.30 | 1.46 | 1.34 | 1.13 | 0.97 | 0.97 |
| EPS (Diluted) | 1.53 | 1.43 | 1.30 | 1.46 | 1.34 | 1.13 | 0.97 | 0.97 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.01 | 0.02 | 0.01 | 0.01 | 0.03 | 0.03 | 0.05 |
| Price To Earnings Ratio | 11.08 | 12.38 | 10.15 | 13.44 | 11.64 | 11.31 | 10.69 | 9.15 |
| Price To Sales Ratio | 2.94 | 3.16 | 2.48 | 3.04 | 2.42 | 2.24 | 2.13 | 1.85 |
| Operating Margin | 34.47 | 33.91 | 31.93 | 34.09 | 33.00 | 28.76 | 25.76 | 25.93 |
| Net Margin | 27.76 | 26.85 | 25.78 | 28.58 | 26.63 | 23.45 | 21.32 | 21.42 |
| Shares Outstanding | - | 3.35 | 3.35 | 3.34 | 3.35 | 3.36 | 3.36 | 3.35 |
| Market Capitalization | 211.68 | 216.26 | 166.14 | 198.18 | 153.66 | 138.54 | 127.88 | 108.10 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 26.87 | 18.42 | 20.01 | 25.23 | 23.50 | 28.92 | 18.92 | 17.39 | 19.48 |
| Investments | 543.11 | 491.63 | 472.95 | 518.86 | 611.97 | 451.25 | 304.60 | 303.41 | 292.19 |
| Net Loans | 654.10 | 631.20 | 614.41 | 557.96 | 483.29 | 500.33 | 466.49 | 434.26 | 409.62 |
| Investment in Unconsolidated Affiliates | 0.91 | 0.96 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | - | - | 0.00 | 0.04 | 0.00 | 0.17 | 3.14 | 3.97 |
| Net Property, Plant & Equipment | 14.36 | 14.18 | 14.44 | 14.71 | 15.24 | 16.03 | 16.41 | 14.36 | 15.03 |
| Interest Receivables | 5.10 | 4.58 | 4.79 | 4.29 | 3.43 | 3.43 | 3.08 | 2.83 | 2.69 |
| Other Intangible Assets | 27.55 | 26.55 | 30.28 | 30.36 | 19.15 | 17.59 | 17.82 | 18.77 | 15.98 |
| Total Assets | 1,271.99 | 1,187.52 | 1,157.88 | 1,151.40 | 1,156.60 | 1,017.55 | 827.50 | 794.16 | 758.96 |
| Total Deposits | 1,122.99 | 1,066.44 | 1,025.21 | 1,060.40 | 1,035.56 | 900.46 | 722.18 | 701.65 | 664.56 |
| Total Debt | 0.00 | 0.00 | 21.52 | 0.04 | 0.06 | 0.08 | 0.00 | 0.00 | 10.00 |
| Long Term Debt | 0.00 | -0.00 | 0.00 | 0.02 | 0.04 | 0.06 | 0.00 | 0.00 | 0.00 |
| Provision for Risks Charges | 0.31 | 0.55 | 0.70 | 0.22 | 0.22 | 0.50 | 1.90 | 2.90 | 0.00 |
| Other Liabilities | 10.78 | 5.82 | 5.10 | 5.48 | 6.83 | 5.77 | 4.47 | 3.66 | 3.34 |
| Total Liabilities | 1,134.09 | 1,072.81 | 1,052.54 | 1,066.13 | 1,042.66 | 906.80 | 728.55 | 708.21 | 677.91 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 137.80 | 114.60 | 105.23 | 85.16 | 113.83 | 110.64 | 98.84 | 85.84 | 80.94 |
| Total Shareholders Equity | 137.80 | 114.60 | 105.23 | 85.16 | 113.83 | 110.64 | 98.84 | 85.84 | 80.94 |
| Accumulated Minority Interest | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 |
| Total Equity | 137.91 | 114.71 | 105.34 | 85.27 | 113.94 | 110.75 | 98.95 | 85.96 | 81.05 |
| Total Liabilities & Stockholders Equity | 1,271.99 | 1,187.52 | 1,157.88 | 1,151.40 | 1,156.60 | 1,017.55 | 827.50 | 794.16 | 758.96 |
| Book Value Per Share | 41.23 | 34.19 | 31.41 | 25.26 | 33.75 | 32.77 | 29.38 | 25.59 | 24.25 |
| Tangible Book Value Per Share | 39.30 | 32.23 | 29.41 | 23.23 | 31.67 | 30.66 | 27.22 | 23.37 | 21.98 |
| Tier 1 Capital | - | - | - | - | - | - | 81.60 | 75.34 | 72.07 |
| Tier 2 Capital | - | - | - | - | - | - | 5.06 | 4.07 | 3.63 |
| Full-Time Employees | 176 | 173 | 177 | 214 | 221 | 214 | 214 | 171 | 170 |
| Price to Book Ratio | 1.49 | 0.93 | 1.05 | 1.08 | 1.20 | 1.97 | 2.48 | 1.66 | 1.51 |
| Return on Assets | 1.33 | 1.02 | 1.11 | 1.03 | 1.05 | 1.10 | 1.27 | 1.19 | 0.99 |
| Return on Equity | 12.97 | 10.86 | 13.44 | 11.96 | 10.18 | 9.67 | 11.18 | 11.10 | 9.50 |
| Return on Invested Capital | 11.88 | 10.42 | 12.15 | 13.97 | 10.03 | 9.15 | 10.45 | 10.78 | 9.19 |
| Current Ratio | 0.16 | 0.14 | 0.06 | 0.07 | 0.18 | 0.21 | 0.09 | 0.08 | 0.07 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 20.66 | 16.98 | 17.64 | 15.99 | 12.20 | 13.23 | 14.61 | 13.06 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 0.82 | 4.48 | -3.89 | -1.91 | 1.46 | -0.12 | -0.40 | -0.59 |
| Cash from Operating Activities | - | 21.48 | 21.46 | 13.75 | 14.08 | 13.66 | 13.11 | 14.21 | 12.47 |
| Capital Expenditures | - | -1.35 | -0.72 | -0.63 | -0.41 | -0.29 | -0.60 | -2.97 | -1.40 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.01 | 0.00 | 0.00 | 0.07 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | -14.15 | 48.45 | 37.19 | -69.32 | -174.79 | -24.82 | 15.84 | 4.22 |
| Purchase of Investments | - | -137.97 | -61.85 | -37.48 | -99.42 | -254.41 | -104.39 | -69.26 | -39.27 |
| Sale Or Maturity of Investments | - | 123.82 | 110.30 | 74.67 | 30.11 | 79.62 | 79.57 | 85.09 | 43.49 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.00 | 0.00 | 0.00 | 0.15 | 0.00 | 0.00 | 0.00 | -0.01 |
| Other Uses | - | -4.28 | -1.72 | -2.05 | 0.00 | -0.28 | -1.38 | -1.20 | -1.09 |
| Other Sources | - | 0.76 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.55 |
| Cash from Investing Activities | - | -42.03 | 29.89 | -23.53 | -141.58 | -148.50 | -63.46 | -21.24 | -21.22 |
| Cash Dividends Paid | - | -4.04 | -3.77 | -3.63 | -3.52 | -3.52 | -3.24 | -3.20 | -3.09 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -0.58 | -0.04 | -0.50 | 0.00 | -0.04 | -0.01 | -0.00 | -0.03 |
| Repurchase of Common Pref Stock | - | -0.58 | -0.04 | -0.50 | 0.00 | -0.04 | -0.01 | -0.00 | -0.03 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 0.00 | -21.50 | 21.50 | 0.00 | 0.00 | 0.00 | 0.00 | -10.00 |
| Change in Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | -0.02 | -0.02 | -0.02 | -0.03 | -0.09 | -0.15 | -0.06 | -0.01 |
| Other Financing Activities Uses | - | -0.02 | -0.02 | -0.02 | -0.03 | -0.09 | -0.15 | -0.06 | -0.01 |
| Cash from Financing Activities | - | 51.92 | 15.90 | -17.84 | 21.29 | 131.45 | 174.88 | 17.28 | 23.95 |
| Net Change in Cash | - | 31.37 | 67.25 | -27.63 | -106.21 | -3.38 | 124.53 | 10.25 | 15.20 |
| Free Cash Flow | - | 20.13 | 20.75 | 13.12 | 13.66 | 13.38 | 12.51 | 11.24 | 12.06 |
| Price to Free Cash Flow | - | 12.31 | 6.36 | 9.84 | 8.24 | 13.75 | 21.89 | 30.35 | 15.78 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 139.02 | 20.87 | 21.68 | 26.87 | 20.57 | 26.25 |
| Investments | 402.92 | 550.83 | 550.25 | 543.11 | 530.00 | 522.03 |
| Net Loans | 674.95 | 668.12 | 664.40 | 654.10 | 642.33 | 649.17 |
| Investment in Unconsolidated Affiliates | - | 0.91 | 0.91 | 0.91 | 0.93 | 0.96 |
| Net Property, Plant & Equipment | - | 14.98 | 14.57 | 14.36 | 13.93 | 14.12 |
| Interest Receivables | - | 5.06 | 4.92 | 5.10 | 4.79 | 4.64 |
| Other Intangible Assets | - | 29.27 | 27.42 | 27.55 | 22.93 | 25.50 |
| Total Assets | 1,274.84 | 1,290.04 | 1,284.15 | 1,271.99 | 1,235.48 | 1,242.69 |
| Total Deposits | 1,129.40 | 1,136.73 | 1,136.57 | 1,122.99 | 1,094.73 | 1,110.63 |
| Total Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Provision for Risks Charges | - | 0.31 | 0.23 | 0.31 | 0.57 | 0.57 |
| Other Liabilities | - | 10.39 | 9.20 | 10.78 | 7.62 | 8.18 |
| Total Liabilities | - | 1,147.43 | 1,146.00 | 1,134.09 | 1,102.93 | 1,119.38 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 135.71 | 142.51 | 138.04 | 137.80 | 132.44 | 123.20 |
| Total Shareholders Equity | 135.71 | 142.51 | 138.04 | 137.80 | 132.44 | 123.20 |
| Accumulated Minority Interest | - | 0.10 | 0.12 | 0.11 | 0.11 | 0.10 |
| Total Equity | 135.71 | 142.62 | 138.15 | 137.91 | 132.55 | 123.31 |
| Total Liabilities & Stockholders Equity | - | 1,290.04 | 1,284.15 | 1,271.99 | 1,235.48 | 1,242.69 |
| Book Value Per Share | - | 42.60 | 41.26 | 41.23 | 39.49 | 36.72 |
| Tangible Book Value Per Share | - | 40.67 | 39.33 | 39.30 | 37.56 | 34.79 |
| Full-Time Employees | - | - | - | 176 | - | - |
| Price to Book Ratio | 1.49 | 1.57 | 1.20 | 1.50 | 1.25 | 1.15 |
| Return on Assets | 1.52 | 1.46 | 1.40 | 1.33 | 1.22 | 1.09 |
| Return on Equity | 14.23 | 13.89 | 13.53 | 12.97 | 11.84 | 11.40 |
| Return on Invested Capital | - | 3.34 | 3.14 | 3.54 | 3.38 | 3.06 |
| Current Ratio | - | 0.71 | 0.71 | 0.16 | 0.55 | 0.67 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 3.37 | 6.68 | 5.19 | 6.56 | 4.57 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 0.88 | -0.34 | 0.24 | 1.38 | -0.62 |
| Cash from Operating Activities | - | 4.25 | 6.34 | 5.43 | 7.94 | 3.94 |
| Capital Expenditures | - | -0.70 | -0.49 | -0.70 | -0.17 | -0.27 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 1.69 | 5.29 | 6.83 | -18.74 | -4.65 |
| Purchase of Investments | - | -28.12 | -45.70 | -30.00 | -53.45 | -23.74 |
| Sale Or Maturity of Investments | - | 29.81 | 50.99 | 36.83 | 34.71 | 19.09 |
| Other Uses | - | -0.05 | -0.93 | -1.72 | -1.15 | -1.11 |
| Other Sources | - | 0.04 | 0.00 | 0.16 | 0.00 | 0.60 |
| Cash from Investing Activities | - | -3.17 | -6.53 | -7.02 | -13.36 | -11.69 |
| Cash Dividends Paid | - | -1.05 | -1.04 | -1.04 | -1.04 | -0.98 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -0.02 | 0.00 | -0.52 | -0.05 | 0.00 |
| Repurchase of Common Pref Stock | - | -0.02 | 0.00 | -0.52 | -0.05 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | -0.01 | -0.01 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | -0.01 | -0.01 | 0.00 |
| Cash from Financing Activities | - | -0.91 | 12.54 | 26.70 | -17.00 | 25.72 |
| Net Change in Cash | - | 0.17 | 12.35 | 25.11 | -22.42 | 17.97 |
| Free Cash Flow | - | 3.55 | 5.85 | 4.73 | 7.78 | 3.67 |
| Price to Free Cash Flow | - | 12.16 | 9.24 | 12.29 | 10.36 | 10.66 |
Revenue breakdown
| ATM and Debit Card Fees | 2024: 4.47M 2025: 4.54M |
|---|---|
| Product and Service, Other | 2024: 190.00K 2025: 180.00K |
| Service Charges On Deposit Accounts | 2024: 2.40M 2025: 2.45M |
| United States | 2024: 7.06M 2025: 7.17M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 5.31% | 0.2M | 3.2M | 19.83K |
| 2026-10-15 | 5.19% | 0.2M | 3.2M | 19.27K |
| 2026-09-30 | 4.82% | 0.2M | 3.2M | 16.71K |
| 2026-09-15 | 4.47% | 0.1M | 3.2M | 14.38K |
| 2026-08-31 | 3.92% | 0.1M | 3.2M | 12.73K |
| 2026-08-14 | 3.06% | 0.1M | 3.2M | 10.70K |
| 2026-07-31 | 2.13% | 0.1M | 3.2M | 8.75K |
| 2026-07-15 | 1.76% | 0.1M | 3.2M | 6.57K |
| 2026-06-30 | 1.39% | 0.0M | 3.2M | 6.01K |
| 2026-06-15 | 1.84% | 0.1M | 3.2M | 4.95K |
| 2026-05-29 | 1.50% | 0.0M | 3.2M | 4.94K |
| 2026-05-15 | 1.49% | 0.0M | 3.2M | 4.75K |
| 2026-04-30 | 2.26% | 0.1M | 3.2M | 5.69K |
| 2026-04-15 | 2.39% | 0.1M | 3.2M | 5.95K |
| 2026-03-31 | 1.95% | 0.1M | 3.2M | 6.63K |
| 2026-03-13 | 2.50% | 0.1M | 3.2M | 11.27K |
| 2026-02-27 | 1.93% | 0.1M | 3.2M | 12.36K |
| 2026-02-13 | 1.93% | 0.1M | 3.2M | 12.10K |
| 2026-01-30 | 2.84% | 0.1M | 3.2M | 11.18K |
| 2026-01-15 | 2.27% | 0.1M | 3.2M | 10.93K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-06 | 425 | Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions. | SEC | |
| 2026-11-05 | 425 | Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions. | SEC | |
| 2026-11-05 | 425 | Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions. | SEC | |
| 2026-11-05 | 425 | Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions. | SEC | |
| 2026-11-05 | 8-K | Current report | 2026-11-04 | SEC |
| 2026-10-23 | 8-K | Current report | 2026-10-23 | SEC |
| 2026-08-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-31 | SCHEDULE 13G/A | SEC | ||
| 2026-07-24 | 8-K | Current report | 2026-07-24 | SEC |
| 2026-05-22 | 8-K | Current report | 2026-05-18 | SEC |
| 2026-05-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-04-29 | SCHEDULE 13G | SEC | ||
| 2026-04-24 | 8-K | Current report | 2026-04-24 | SEC |
| 2026-04-08 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-04-08 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-04-08 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-05-18 | SEC |
| 2026-03-31 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-03-26 | SCHEDULE 13G/A | SEC | ||
| 2026-03-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-27 | SEC |
| 2026-03-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-27 | SEC |
| 2026-02-19 | 8-K | Current report | 2026-02-19 | SEC |
| 2026-02-17 | 5 | Annual statement of changes in beneficial ownership of securities | 2025-12-31 | SEC |
| 2026-02-17 | 5 | Annual statement of changes in beneficial ownership of securities | 2025-12-31 | SEC |
| 2026-02-17 | 5 | Annual statement of changes in beneficial ownership of securities | 2025-12-31 | SEC |
| 2026-02-17 | 5 | Annual statement of changes in beneficial ownership of securities | 2025-12-31 | SEC |
| 2026-02-17 | 5 | Annual statement of changes in beneficial ownership of securities | 2025-12-31 | SEC |
| 2026-02-17 | 5 | Annual statement of changes in beneficial ownership of securities | 2025-12-31 | SEC |
| 2026-02-17 | 5 | Annual statement of changes in beneficial ownership of securities | 2025-12-31 | SEC |
| 2026-02-17 | 5 | Annual statement of changes in beneficial ownership of securities | 2025-12-31 | SEC |
| 2026-02-17 | 5 | Annual statement of changes in beneficial ownership of securities | 2025-12-31 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 5.94% |
| VANGUARD CAPITAL MANAGEMENT LLC | 4.27% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.49% |
| Siena Capital Partners GP, LLC | 1.49% |
| STATE STREET CORP | 1.40% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 1.07% |
| RFG Advisory, LLC | 1.00% |
| HighTower Advisors, LLC | 0.84% |
| DIMENSIONAL FUND ADVISORS LP | 0.82% |
| NORTHERN TRUST CORP | 0.78% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 3.02% |
| iShares Russell 2000 ETF | 2.52% |
| VANGUARD EXTENDED MARKET INDEX FUND | 1.11% |
| Fidelity Small Cap Index Fund | 1.09% |
| iShares Russell 2000 Value ETF | 0.89% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.58% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.56% |
| Fidelity Extended Market Index Fund | 0.50% |
| Omni Small-Cap Value Fund | 0.45% |
| Avantis U.S. Small Cap Value ETF | 0.42% |
OakChart. FCAP. Cached 15 minutes.
Some panels did not load: ratings, insider.