FCAP
First Capital
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: FCAP
- PE Ratio
The current PE ratio for First Capital stock as of Jun 3, 2026 is 11.56. This is calculated based on the TTM EPS of $5.23 and the stock price of $60.46 per share. The PE ratio marks an increase of 9% from its last 4 quarters average of 10.6.
FCAP PE ratio history
The average historical PE ratio of First Capital for the last ten years is 13.52. The current P/E ratio of 11.56 is 14% lower than the historical average. Looking back at the last ten years, FCAP's PE ratio peaked in the Jun 2020 quarter at 23.55, when the price was $69.47 and the EPS was $2.95. The lowest point was in the Mar 2023 quarter, when it reached 6.51 with a price of $25.65 and an EPS of $3.94.
First Capital PE ratio by year
Maximum annual increase: 54.12% in 2019
Maximum annual decrease: -40.99% in 2022
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 12.11 | 34.11% | $59.2 | $4.89 |
| 2024 | 9.03 | 23.7% | $32.25 | $3.57 |
| 2023 | 7.3 | 4.14% | $27.9 | $3.82 |
| 2022 | 7.01 | -40.99% | $24.9 | $3.55 |
| 2021 | 11.88 | -40.57% | $40.5 | $3.41 |
| 2020 | 19.99 | -15.12% | $60.56 | $3.03 |
| 2019 | 23.55 | 54.12% | $73 | $3.1 |
| 2018 | 15.28 | -6.83% | $42.48 | $2.78 |
| 2017 | 16.4 | 3.73% | $36.74 | $2.24 |
| 2016 | 15.81 | 13.25% | $32.42 | $2.05 |
| 2015 | 13.96 | 16.43% | $26.1 | $1.87 |
| 2014 | 11.99 | 2.65% | $24.34 | $2.03 |
| 2013 | 11.68 | -15.42% | $21.26 | $1.82 |
| 2012 | 13.81 | 6.56% | $19.47 | $1.41 |
| 2011 | 12.96 | 8.27% | $18.53 | $1.43 |
First Capital PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 9.49 | -21.64% | $49.63 | $5.23 |
| Dec 2025 | 12.11 | 16.89% | $59.2 | $4.89 |
| Sep 2025 | 10.36 | -0.86% | $45.8 | $4.42 |
| Jun 2025 | 10.45 | 0.48% | $41.29 | $3.95 |
| Mar 2025 | 10.4 | 15.17% | $38.15 | $3.67 |
| Dec 2024 | 9.03 | -8.79% | $32.25 | $3.57 |
| Sep 2024 | 9.9 | 18.85% | $34.96 | $3.53 |
| Jun 2024 | 8.33 | 4.13% | $29.99 | $3.6 |
| Mar 2024 | 8 | 9.59% | $28.55 | $3.57 |
| Dec 2023 | 7.3 | 4.14% | $27.9 | $3.82 |
| Sep 2023 | 7.01 | -10.13% | $27.75 | $3.96 |
| Jun 2023 | 7.8 | 19.82% | $30.8 | $3.95 |
| Mar 2023 | 6.51 | -7.13% | $25.65 | $3.94 |
| Dec 2022 | 7.01 | -9.2% | $24.9 | $3.55 |
| Sep 2022 | 7.72 | -6.54% | $25.71 | $3.33 |
FCAP Price vs fair value
FCAP average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
FCAP's current PE ratio is higher than the 3 and 5-year averages, but it is lower than its 10-year average.
PE comparison
First Capital's price to earnings (P/E) of 11.56 is lower than the Financial Services sector, the industry and its peers average. But in comparison with the Financial Services sector average of 12.1, First Capital's price to earnings (P/E) is only 4.5% lower.
FCAP PE vs peers
In comparison to its peer CZNC, FCAP's PE ratio is lower, but it is higher than FFBC's and CCNE's. First Capital's current PE ratio of 11.56 is similar to the average of its peers, which is 11.69.
| Stock name | PE ratio | Market cap |
|---|---|---|
| FBIZ First Business Financial Services Inc | 9.52 | $482.5M |
| CCNE Cnb Financial Corp | 10.51 | $918.5M |
| BWFG Bankwell Financial Group Inc | 10.61 | $424.49M |
| FFBC First Financial Bancorp | 10.68 | $3.2B |
| ASRV Ameriserv Financial Inc | 11.45 | $64.12M |
| FCAP First Capital Inc. | 11.98 | $209.63M |
| CZNC Citizens & Northern Corp | 19.35 | $374.46M |
| EGBN Eagle Bancorp Inc | N/A | $827.65M |
Frequently asked questions
What is First Capital's PE ratio?
FCAP's price to earnings ratio is 11.56 as of Jun 3, 2026.
What is the 3-year average PE ratio for First Capital (FCAP)?
Over the last 3 years, the average price to earnings ratio for FCAP stock is 9.18.
What is the 5-year average PE ratio for First Capital (FCAP)?
Over the last 5 years, the average price to earnings ratio for FCAP stock is 9.41.
What is the highest PE ratio for FCAP?
Over the last ten years, the Jun 2020 quarter recorded the highest quarterly PE ratio at 23.55.
How does the current PE ratio for FCAP compare to its historical average?
The current PE ratio of FCAP is 14% lower than the 10-year historical average.
How is FCAP's PE ratio calculated (First Capital PE ratio formula)?
The P/E ratio is calculated by taking the latest stock price and dividing it by the EPS for the last 12 months. As of today (Jun 3, 2026), First Capital's share price is $60.46. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $5.23. Therefore, First Capital's PE ratio for today is 11.56. PE RATIO(11.56) = STOCK PRICE($60.46) / TTM EPS($5.23)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.