FCAP Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $62.90
Market Cap (MRQ) $210M
P/E (TTM) 11.4
EPS (TTM) $5.53
Revenue (TTM) $7M
Div Yield 1.9%
ROE (TTM) 13.9%
Debt/Equity (MRQ) 0.0
52W Range $38–$71

FCAP Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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Stock splits 1
Ex-date Split Type
July 17, 2006 11-for-10 Forward

10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue$7M
2016-12-31 → 2025-12-31
EPS$4.89
2016-12-31 → 2025-12-31
Free Cash Flow$20M
2016-12-31 → 2025-12-31
Net margin252.8%
2016-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend FCAP 5Y avg Peer Median Verdict
P/E (TTM) 11.45Y avg ≈9.5 ≈9.5 11.7 Fair value
P/S (TTM) 28.85Y avg ≈17.0 ≈17.0 16.6 Overvalued
P/B (MRQ) 1.55Y avg ≈1.1 ≈1.1 1.3 Overvalued
Price / FCF (TTM) 9.75Y avg ≈6.8 ≈6.8 · ·
Price / Cash Flow (TTM) 8.95Y avg ≈6.5 ≈6.5 11.1 Undervalued
Price / Tangible Book 1.65Y avg ≈1.2 ≈1.2 · ·
PEG Ratio ≈1.1 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield1.9%
Payout Ratio24.6%
Annualized Payout≈$1.28Paid quarterly
5Y Div CAGR≈4.6%Per share, split-adjusted
Growth Streak≈3Consecutive years of dividend growth
Ex-dateAmountCurrencyYield
Sep 11, 2026$0.32USD≈2.0%
Jun 12, 2026$0.31USD≈1.9%
Mar 13, 2026$0.31USD≈2.6%
Dec 12, 2025$0.31USD≈1.8%
Sep 12, 2025$0.31USD≈2.7%
Jun 13, 2025$0.29USD≈2.5%
Mar 14, 2025$0.29USD≈3.0%
Dec 13, 2024$0.29USD≈3.8%
Sep 13, 2024$0.29USD≈3.4%
Jun 14, 2024$0.27USD≈3.7%
Mar 14, 2024$0.27USD≈3.9%
Dec 14, 2023$0.27USD≈4.0%
Sep 14, 2023$0.27USD≈3.6%
Jun 15, 2023$0.27USD≈3.7%
Mar 16, 2023$0.27USD≈4.3%
Dec 15, 2022$0.26USD≈4.3%
Sep 15, 2022$0.26USD≈3.8%
Jun 15, 2022$0.26USD≈3.3%
Mar 16, 2022$0.26USD≈2.7%
Dec 15, 2021$0.26USD≈2.6%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Next Report Oct 22, 2026
PeriodReportEPS ActualEPS EstSurprise
March 31, 2026 $1.30 — —
Sept. 30, 2025 $1.34 — —
June 30, 2025 $1.13 — —
March 31, 2025 $0.97 — —
Sept. 30, 2024 $0.87 — —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 12
Metric Trend 2025202420232022202120202019201820172016
Revenue $7M$7M$7M$7M$6M$6M$6M$5M$5M$4M
Operating Income ·$14M$15M$14M$14M$12M$12M$11M$11M$9M
Interest Expense ··$9M$2M$1M$2M$2M$2M$1M$2M
Interest Income $57M$50M$44M$34M$29M$30M$32M$29M$26M$25M
Pretax Income $20M$14M$15M$3M$2M$2M$4M$6M··
Income Tax $4M$2M$2M$2M$2M$2M$2M$1M$3M$3M
Net Income $16M$12M$13M$12M$11M$10M$10M$9M$7M$7M
EPS (Basic) $4.89$3.57$3.82$3.55$3.41$3.03$3.10$2.78$2.24$2.05
EPS (Diluted) $4.89$3.57$3.82$3.55$3.41$3.02$3.09$2.77$2.23$2.05
Shares (Basic) 3,345,6453,346,1613,347,3413,355,0233,346,0383,339,8123,332,8693,328,4223,325,0323,340,566
Shares (Diluted) 3,347,9893,346,1613,347,3413,355,0233,346,4953,349,2773,344,0723,335,3943,329,5633,343,416
EBITDA ·$14M$15M$14M·$12M$12M$11M$11M$9M
Balance Sheet 17
Metric Trend 2025202420232022202120202019201820172016
PP&E (Net) $14M$14M$14M$15M$15M$16M$16M$14M$15M$15M
PP&E (Gross) $28M$29M$29M$29M$29M$29M$28M$26M$25M$24M
Accum. Depreciation $14M$14M$15M$14M$14M$13M$12M$11M$10M$9M
Goodwill $6M$6M$6M$6M$6M$6M$6M$6M$6M$6M
Intangibles $0$86.0K$232.0K$379.0K$526.0K$672.0K$819.0K$966.0K$1M$1M
Total Assets $1.27B$1.19B$1.16B$1.15B$1.16B$1.02B$827M$794M$759M$744M
Short-term Debt $0$0········
Total Liabilities $1.13B$1.07B$1.05B$1.07B$1.04B$907M$729M$708M$678M$668M
Total Debt $0$0········
Common Stock $38.0K$38.0K$38.0K$38.0K$38.0K$38.0K$38.0K$38.0K$38.0K$38.0K
Paid-in Capital $42M$42M$42M$42M$42M$42M$41M$40M$40M$40M
Retained Earnings $118M$105M$97M$88M$80M$72M$65M$58M$52M$47M
Treasury Stock $10M$9M$9M$9M$9M$9M$8M$8M$8M$8M
AOCI $-12M$-23M$-24M$-36M$2M$7M$2M$-3M$-2M$-2M
Stockholders' Equity $138M$115M$105M$85M$114M$111M$99M$86M$81M$76M
Liabilities + Equity $1.27B$1.19B$1.16B$1.15B$1.16B$1.02B$827M$794M$759M$744M
Shares Outstanding 3,341,8713,351,7033,350,6603,371,3623,373,0953,375,7603,363,6323,354,7443,336,9643,337,552
Cash Flow 15
Metric Trend 2025202420232022202120202019201820172016
D&A $1M$1M$1M$1M$1M$1M$1M$1M$1M$1M
Stock-based Comp $104.0K$202.0K$252.0K$436.0K$487.0K$381.0K$288.0K$192.0K$88.0K$82.0K
Deferred Tax $-900.0K$-551.0K$-698.0K$-118.0K$-131.0K$-79.0K$482.0K$-395.0K$348.0K$220.0K
Amort. of Intangibles $86.0K$147.0K$147.0K$147.0K$147.0K$147.0K$147.0K$147.0K$147.0K$147.0K
Operating Cash Flow $21M$22M$14M$17M$22M$12M$14M$13M$13M$8M
CapEx $1M$717.0K$627.0K$415.0K$288.0K$602.0K$3M$402.0K$1M$2M
Investing Cash Flow $-42M$29M$-24M$-144M$-156M$-62M$-21M$-22M$-40M$-96M
Stock Repurchased $578.0K$41.0K$502.0K$0$40.0K$13.0K$2.0K$32.0K$16.0K$34.0K
Net Stock Activity $-578.0K$-41.0K$-502.0K$0·$-13.0K$-2.0K$-34.0K$-18.0K$-34.0K
Dividends Paid $4M$4M$4M$4M$4M$3M$3M$3M$3M$3M
Financing Cash Flow $52M$16M$-18M$21M$131M$175M$17M$24M$7M$25M
Net Change in Cash $31M$67M$-28M$-106M$-3M$125M$10M$15M$-20M$-63M
Taxes Paid $194.0K$154.0K$2M$2M$2M$766.0K$1M$2M$3M$1M
Free Cash Flow $20M$22M$14M$16M·$11M$11M$13M$12M$6M
Levered FCF ··$11M$16M·$11M····
Profitability 7
Metric Trend 2025202420232022202120202019201820172016
Operating Margin ·200.7%214.7%199.2%·205.4%223.0%202.9%33.3%31.9%
Net Margin 228.3%169.2%182.5%166.6%·175.8%186.8%176.1%23.4%23.3%
Pretax Margin 277.7%31.9%42.4%46.8%·30.7%····
EBITDA Margin ·200.7%214.7%199.2%·205.4%223.0%202.9%33.3%31.9%
ROA 1.3%1.0%1.1%1.0%·1.1%1.3%1.2%0.99%0.94%
ROE 13.0%10.9%13.4%12.0%·9.7%11.2%11.1%9.5%9.1%
ROIC ·0.21%3.5%5.1%·0.48%····
Liquidity & Solvency 2
Metric Trend 2025202420232022202120202019201820172016
Debt / Equity 0.00.0········
Interest Coverage ··1.78.9·7.66.36.67.65.3
Efficiency 1
Metric Trend 2025202420232022202120202019201820172016
Asset Turnover 0.00.00.00.0·0.00.00.00.00.0
Per Share 5
Metric Trend 2025202420232022202120202019201820172016
Book Value / Share $41.23$34.19$31.41$25.26·$32.77$29.38$25.59$24.25$22.69
Revenue / Share $2.14$2.11$2.09$2.13·$1.72$1.65$1.58·$8.82
Cash Flow / Share $6.36$6.68$4.23$4.93·$3.60$4.21$4.00·$2.46
Dividend / Share $1.20$1.12$1.08$1.04$1.04$0.96$0.95$0.92$0.86$0.84
EPS (TTM) $4.89$3.57$3.82$3.55$3.41$3.02$3.09$2.77$2.23$2.05
Growth Rates 10
Metric Trend 2025202420232022202120202019201820172016
Revenue YoY 1.6%0.71%-1.9%10.8%11.9%·····
Revenue CAGR 3Y 0.12%3.1%6.8%·······
Revenue CAGR 5Y 4.5%·········
EPS YoY 37.0%-6.5%7.6%4.1%12.9%·····
EPS CAGR 3Y 11.3%1.5%8.2%·······
EPS CAGR 5Y 10.1%·········
Net Income YoY 37.1%-6.7%7.5%4.2%12.8%·····
Net Income CAGR 3Y 11.2%1.5%8.1%·······
Net Income CAGR 5Y 10.1%·········
Dividends Paid CAGR 5Y 4.4%·········
Valuation (TTM) 13
Metric Trend 2025202420232022202120202019201820172016
Revenue TTM $7M$7M$7M$7M$6M$6M$6M$5M$5M$4M
Net Income TTM $16M$12M$13M$12M$11M$10M$10M$9M$7M$7M
Market Cap $198M$108M$93M$84M·$204M$246M$143M$123M$108M
P/E 12.19.07.37.011.920.123.615.316.515.8
P/S 27.615.313.311.7·35.544.427.124.724.2
P/B 1.40.90.91.0·1.82.51.71.51.4
P / Tangible Book 1.51.00.91.11.32.0····
P / Cash Flow 9.34.86.65.1·17.017.410.79.113.1
P / FCF 9.95.06.95.2·17.822.111.010.117.3
Dividend Yield 2.0%3.5%3.9%4.2%·1.6%1.3%2.2%2.4%2.6%
Earnings Yield 8.3%11.1%13.7%14.3%8.4%5.0%4.2%6.5%6.1%6.3%
Payout Ratio 24.6%31.6%28.4%29.6%·32.1%31.1%33.5%38.8%41.0%
Annual Payout $4M$4M$4M$4M$4M$3M$3M$3M$3M$3M

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $7M $7M $7M $7M $6M
Operating Margin % · 200.7% 214.7% 199.2% ·
Net Income $16M $12M $13M $12M $11M
Diluted EPS $4.89 $3.57 $3.82 $3.55 $3.41

Institutional owners (13F) 64 filers · $69.2M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 64
Value held $69.2M
New positions 5
Exited positions 2
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
5 (-1 vs prior Q) 2 (0 vs prior Q) 25 (+2 vs prior Q) 17 (+1 vs prior Q) +20K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $12,835,501 198,569 18.55% Shares
VANGUARD GROUP INC $11,147,775 188,307 16.11% Shares
VANGUARD CAPITAL MANAGEMENT LLC $9,234,341 142,858 13.34% Shares
GEODE CAPITAL MANAGEMENT, LLC $5,473,107 84,643 7.91% Shares
Siena Capital Partners GP, LLC $3,228,574 49,947 4.66% Shares
STATE STREET CORP $3,035,494 46,960 4.39% Shares
Farther Finance Advisors, LLC $2,432,277 37,628 3.51% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $2,319,736 35,887 3.35% Shares
HighTower Advisors, LLC $1,817,935 28,124 2.63% Shares
NORTHERN TRUST CORP $1,693,504 26,199 2.45% Shares
DIMENSIONAL FUND ADVISORS LP $1,628,467 25,192 2.35% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $1,438,111 22,248 2.08% Shares
VANGUARD FIDUCIARY TRUST CO $1,430,742 22,134 2.07% Shares
Empowered Funds, LLC $1,257,377 19,452 1.82% Shares
UBS Group AG $839,738 12,991 1.21% Shares
RAYMOND JAMES FINANCIAL INC $822,225 12,720 1.19% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $751,052 11,619 1.09% Shares
Mariner, LLC $749,442 11,594 1.08% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $586,802 9,078 0.85% Shares
MORGAN STANLEY $519,834 8,042 0.75% Shares
Bank of New York Mellon Corp $512,213 7,924 0.74% Shares
STIFEL FINANCIAL CORP $488,225 7,553 0.71% Shares
PNC Financial Services Group, Inc. $376,076 5,818 0.54% Shares
Forvis Mazars Wealth Advisors, LLC $357,589 5,532 0.52% Shares
GOLDMAN SACHS GROUP INC $346,858 5,366 0.50% Shares
STOCK YARDS BANK & TRUST CO $331,086 5,122 0.48% Shares
BARLOW WEALTH PARTNERS, LLC $325,548 5,350 0.47% Shares
AQR CAPITAL MANAGEMENT LLC $318,226 4,923 0.46% Shares
Nuveen, LLC $305,618 4,728 0.44% Shares
BANK OF AMERICA CORP /DE/ $283,446 4,385 0.41% Shares
RENAISSANCE TECHNOLOGIES LLC $265,024 4,100 0.38% Shares
DEUTSCHE BANK AG\ $242,594 3,753 0.35% Shares
BARCLAYS PLC $240,396 3,719 0.35% Shares
WELLS FARGO & COMPANY/MN $178,372 2,759 0.26% Shares
RHUMBLINE ADVISERS $170,902 2,644 0.25% Shares
Russell Investments Group, Ltd. $162,315 2,511 0.23% Shares
NEW YORK STATE COMMON RETIREMENT FUND $135,744 2,100 0.20% Shares
MetLife Investment Management, LLC $127,470 1,972 0.18% Shares
BNP PARIBAS FINANCIAL MARKETS $100,903 1,561 0.15% Shares
CITIGROUP INC $98,512 1,524 0.14% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $98,124 1,518 0.14% Shares
FIFTH THIRD BANCORP $90,496 1,400 0.13% Shares
JPMORGAN CHASE & CO $90,165 1,391 0.13% Shares
Vanguard Global Advisers, LLC $82,093 1,270 0.12% Shares
CWM, LLC $50,027 1,008 0.07% Shares
Police & Firemen's Retirement System of New Jersey $43,632 675 0.06% Shares
ROYAL BANK OF CANADA $33,000 522 0.05% Shares
Tower Research Capital LLC (TRC) $27,666 428 0.04% Shares
Ameritas Investment Partners, Inc. $21,525 333 0.03% Shares
Legal & General Group Plc $19,133 296 0.03% Shares

Show all 64 institutional owners →

Company insiders 27 insiders · 7 officers · 22 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Chris Frederick CHIEF EXECUTIVE OFFICER Feb. 27, 2026 A 3,525 0 0 $0
William W Harrod CHIEF EXECUTIVE OFFICER May 10, 2023 P 12,442 0 0 $0
Joshua Paul Stevens CHIEF FINANCIAL OFFICER Feb. 27, 2026 A 2,495 0 0 $0
Dennis Thomas Senior Vice President Dec. 28, 2021 S 8,822 0 0 $0
Jill R Keinsley Senior Vice President Feb. 18, 2020 A 4,903 0 0 $0
Joel E Voyles Senior Vice President Feb. 12, 2010 M 11,710 0 0 $0
Bradley Backherms Senior Vice President June 21, 2004 A · 0 0 $0
Kathy Ernstberger Director Aug. 29, 2025 P 3,499 0 0 $0
Pamela G Kraft Director March 11, 2025 L 2,630 0 0 $0
John Shireman Director Aug. 5, 2024 P 1,500 0 0 $0
Jill Saegesser Director Feb. 1, 2023 P 1,110 0 0 $0
Michael L Shireman Director Nov. 9, 2022 P 5,744 0 0 $0
Dana L. Huber Director Aug. 26, 2022 P 10,000 0 0 $0
Mark D Shireman Director Aug. 9, 2022 P 41,349 0 0 $0
William I Orwick Sr Director July 29, 2021 A 5,397 0 0 $0
Robert C. Guilfoyle Director Feb. 18, 2020 A 625 0 0 $0
Lou Ann Moore Director Feb. 18, 2020 A 625 0 0 $0
Christopher L Byrd Director Feb. 18, 2020 A 5,473 0 0 $0
Carolyn E Wallace Director Feb. 18, 2020 A 2,073 0 0 $0
Samuel E Uhl Director Aug. 7, 2019 S 3,522 0 0 $0
Kenneth R Saulman Director Feb. 20, 2018 A 13,255 0 0 $0
Dennis L Huber Director Feb. 17, 2015 A 654 0 0 $0
Gerald L Uhl Director Feb. 17, 2015 A 2,308 0 0 $0
James E Nett Director Jan. 29, 2010 M 4,950 0 0 $0
James G Pendleton Director Feb. 5, 2009 P 20,137 0 0 $0
James S Burden Director Nov. 16, 2007 M 4,950 0 0 $0
John W Buschemeyer Director Aug. 31, 2005 S 9,716 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 18 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.05% 11,328 SH Sept. 11, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 19,121 SH Aug. 19, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.01% 2,873 SH Aug. 19, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 337 SH Oct. 1, 2026 Daily
IWM · iShares Trust 0.01% 82,786 SH Sept. 11, 2026 Daily
RSSL · Global X Funds 0.01% 1,565 NS July 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 209 NS July 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.00% 1,110 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 3,434 NS July 31, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.00% 631 NS July 31, 2026 N-PORT
DFUS · Dimensional ETF Trust 0.00% 430 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 38,381 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 100,894 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 254 SH Aug. 19, 2026 Daily
DFSV · Dimensional ETF Trust 0.00% 5 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 25 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT
IWN · iShares Trust · 29,732 SH Sept. 11, 2026 Daily

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
FCAP $198M 12.1 1.6% 228.3% 13.0% ·
OVBC · · 7.6% 23.4% 9.4% ·
CZWI $171M 12.2 10.2% 23.1% 7.8% ·
RBKB $134M 13.1 -0.60% 336.6% 7.6% ·
BAFN · -1.2 -34.3% -39.0% · ·
TFC $62.13B 12.9 53.0% 26.1% 8.2% ·

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Aug 12, 2026