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Financials · FCAP

First Capital Inc. (FCAP) financials

For the twelve months ended Jun 30, 2026, First Capital Inc. reported $55.82M of revenue and $18.45M of net income.

Revenue, TTM
$55.82M
Revenue growth, YoY
+16.4%
Net income, TTM
$18.45M
Net income growth, YoY
+40.1%
Net margin
33.0%
Free cash flow, TTM
$21.71M
EPS, diluted, TTM
$5.53
P/E
11.30
P/S
3.74
Market cap
$208.5M
Annual revenue$50.62M
FY2016FY2025
Annual net income$16.37M
FY2016FY2025
Annual free cash flow$19.93M
FY2016FY2025

FCAP revenue and earnings growth

FCAP revenueQ2 2026$14.29M

Quarter YoY
+15.0%
QoQ
+6.1%
FY YoY
+16.5%
5Y CAGR
+6.6%
10Y CAGR
+8.3%

FCAP revenue was $14.29M in fiscal Q2 2026 (ended Jun 30, 2026), up 15.0% from a year earlier and up 6.1% from the prior quarter. For the full fiscal 2025 it was $50.62M, up 16.5% from fiscal 2024. Compound annual growth was +6.6% over 5 years and +8.3% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

FCAP net incomeQ2 2026$4.76M

Quarter YoY
+26.1%
QoQ
+10.0%
FY YoY
+37.1%
5Y CAGR
+10.1%
10Y CAGR
+12.2%

FCAP net income was $4.76M in fiscal Q2 2026 (ended Jun 30, 2026), up 26.1% from a year earlier and up 10.0% from the prior quarter. For the full fiscal 2025 it was $16.37M, up 37.1% from fiscal 2024. Compound annual growth was +10.1% over 5 years and +12.2% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

FCAP EPSQ2 2026$1.43

Quarter YoY
+26.5%
FY YoY
+37.0%
5Y CAGR
+10.1%
10Y CAGR
+10.1%

FCAP diluted EPS was $1.43 in fiscal Q2 2026 (ended Jun 30, 2026), up 26.5% from a year earlier. For the full fiscal 2025 it was $4.89, up 37.0% from fiscal 2024. Compound annual growth was +10.1% over 5 years and +10.1% over 10 years.

FCAP free cash flowQ2 2026$3.55M

Quarter YoY
+2.7%
QoQ
-39.4%
FY YoY
-7.8%
5Y CAGR
+11.7%
10Y CAGR
+15.1%

FCAP free cash flow was $3.55M in fiscal Q2 2026 (ended Jun 30, 2026), up 2.7% from a year earlier and down 39.4% from the prior quarter. For the full fiscal 2025 it was $19.93M, down 7.8% from fiscal 2024. Compound annual growth was +11.7% over 5 years and +15.1% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$50.62M$43.45M$42.22M$40.27M$37.88M$36.69M$37.02M$33.44M$31.73M$29.50M
Operating income-$14.17M$15.05M$14.23M$13.68M$11.84M$12.32M$10.66M$10.55M$9.40M
Interest expense--$9.02M$1.59M$1.13M$1.56M$1.96M$1.61M$1.39M$1.76M
Pre-tax income$19.91M$14.17M$15.05M$3.34M$2.25M$1.77M$3.83M$5.52M--
Income tax$3.53M$2.22M$2.25M$2.32M$2.24M$1.69M$1.99M$1.39M$3.10M$2.52M
Net income$16.37M$11.94M$12.79M$11.90M$11.42M$10.13M$10.32M$9.25M$7.44M$6.86M
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
Diluted shares3.3M3.3M3.3M3.4M3.3M3.3M3.3M3.3M3.3M3.3M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Goodwill$6.47M$6.47M$6.47M$6.47M$6.47M$6.47M$6.47M$6.47M$6.47M$6.47M
Total assets$1.27B$1.19B$1.16B$1.15B$1.16B$1.02B$827.50M$794.16M$758.96M$743.66M
Short-term debt$0$0--------
Total liabilities$1.13B$1.07B$1.05B$1.07B$1.04B$906.80M$728.55M$708.21M$677.91M$667.82M
Shareholders' equity$137.80M$114.71M$105.34M$84.74M$113.94M$110.75M$98.95M$85.96M$81.05M$75.84M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$21.28M$22.34M$14.16M$16.53M$21.63M$12.06M$14.08M$13.35M$13.42M$8.24M
Capital expenditures$1.35M$717.0K$627.0K$415.0K$288.0K$602.0K$2.97M$402.0K$1.27M$1.99M
Free cash flow$19.93M$21.63M$13.54M$16.12M$21.34M$11.46M$11.10M$12.95M$12.15M$6.25M
Investing cash flow-$41.83M$29.01M-$23.95M-$144.03M-$156.46M-$62.41M-$21.11M-$22.10M-$40.42M-$96.25M
Financing cash flow$51.92M$15.90M-$17.84M$21.29M$131.45M$174.88M$17.28M$23.95M$7.01M$24.62M
Dividends paid$4.04M$3.77M$3.63M$3.52M$3.52M$3.25M$3.21M$3.10M$2.88M$2.82M
Share repurchases$578.0K$41.0K$502.0K$0$40.0K$13.0K$2.0K$32.0K$16.0K$34.0K
Stock-based compensation$104.0K$202.0K$252.0K$436.0K$487.0K$381.0K$288.0K$192.0K$88.0K$82.0K
Depreciation and amortization$1.09M$1.10M$1.03M$1.07M$1.14M$1.20M$1.07M$1.22M$1.23M$1.19M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY16.5%2.9%4.8%6.3%3.3%-0.9%10.7%5.4%7.6%29.2%
Net income growth, YoY37.1%-6.6%7.5%4.2%12.8%-1.9%11.6%24.4%8.4%32.1%
EPS growth, YoY37.0%-6.5%7.6%4.1%12.9%-2.3%11.6%24.2%8.8%9.6%
Operating margin-32.6%35.6%35.3%36.1%32.3%33.3%31.9%33.3%31.9%
Net margin32.3%27.5%30.3%29.6%30.2%27.6%27.9%27.7%23.4%23.3%
Free cash flow margin39.4%49.8%32.1%40.0%56.3%31.2%30.0%38.7%38.3%21.2%
Return on equity11.9%10.4%12.1%14.0%10.0%9.1%10.4%10.8%9.2%9.1%
Return on assets1.3%1.0%1.1%1.0%1.0%1.0%1.2%1.2%1.0%0.9%

Source: XBRL data First Capital Inc. files with the SEC, latest filing dated Aug 12, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

FCAP peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
FCAP$55.82M+16.4%$18.45M33.0%$208.5M
HSBC$68.27B+3.7%$23.13B33.9%$298.91B
AX$1.55B+23.0%$507.67M32.7%$5.26B
EBC$1.19B+61.8%$381.02M32.1%$5.22B
TFSL$343.73M+10.5%$102.06M29.7%$4.61B
PFS$924.11M+8.6%$310.15M33.6%$3.16B
BKU$1.13B+5.4%$273.97M24.3%$3.14B
CFFN$229.25M+19.4%$82.83M36.1%$1.06B

FCAP FAQ

7 questions
  • What is FCAP revenue?
    First Capital Inc. (FCAP) reported $55.82M of revenue for the twelve months ended Jun 30, 2026. That is up 16.4% from the year before. Revenue for fiscal 2025 was $50.62M.
  • Is FCAP profitable?
    Yes. First Capital Inc. earned $18.45M in net income for the twelve months ended Jun 30, 2026, a net margin of 33.0%.
  • How fast is FCAP revenue growing?
    First Capital Inc.'s revenue changed +16.5% in fiscal 2025, to $50.62M. Its compound annual growth rate was +6.6% over 5 years and +8.3% over 10 years.
  • What is FCAP free cash flow?
    First Capital Inc. generated $21.71M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $23.77M less capital expenditures.
  • What is FCAP earnings per share?
    Diluted earnings per share were $5.53 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did FCAP last report financial results?
    The latest statements here come from First Capital Inc.'s 10-Q filed on Aug 12, 2026, covering the period ended Jun 30, 2026.
  • Where does this FCAP financial data come from?
    Quantisnow builds these statements from the structured XBRL data First Capital Inc. files with the SEC. It is provided for information only and is not investment advice.