Company: FCAP
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001171843-25-001868
Chunk: 646

Company: FIRST CAPITAL INC
Filing Date: 2025-03-31
Form: 10-K
Item: Item 1A
Chunk 646
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 any law or regulation, it could take a number of different remedial actions as it deems appropriate. These actions include the power to enjoin “unsafe or unsound” practices, to require affirmative actions to correct any conditions resulting from any violation or practice, to issue an administrative order that can be judicially enforced, to direct an increase in our capital, to restrict our growth, to change the asset composition of our portfolio or balance sheet, to assess civil monetary penalties against our officers or directors, to remove officers and directors and, if it is concluded that such conditions cannot be corrected or there is an imminent risk of loss to depositors, to terminate our deposit insurance. If we become subject to such regulatory actions, our business, results of operations, and financial condition may be adversely affected.

Risks Related to the Company’s Stock 

An investment in the Company’s Common Stock is not an insured deposit. 

The Company’s common stock is not a bank deposit and, therefore, is not insured against loss by the FDIC, any other deposit insurance fund, or by any other public or private entity.  Investment in the Company’s common stock is inherently risky for the reasons described in this “Risk Factors” section and elsewhere in this report and is subject to the same market forces that affect the price of common stock in any public company.  As a result, if you acquire the Company’s common stock, you could lose some or all of your investment.

The price of the Company’s common stock may be volatile, which may result in losses for investors. 

General market price declines or market volatility in the future could adversely affect the price of the Company’s common stock.  In addition, the following factors may cause the market price for shares of the Company’s common stock to fluctuate:

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			announcements of developments related to the Company’s business;

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			fluctuations in the Company’s results of operations;

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			changes in accounting standards, policies, guidance, interpretations or principles;

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			sales or purchases of substantial amounts of the Company’s securities in the marketplace;

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			general conditions in the Company’s banking niche or the worldwide economy;

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			a shortfall or excess in revenues or earnings compared to securities analysts’ expectations;

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			changes in analysts’ recommendations or projections; and

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			the Company’s announcement of new acquisitions or other projects.

The trading volume