First Capital Inc (FCAP) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, First Capital reported revenue of $50.6M, up 16.5% from $43.4M the year before. Net income was $16.4M (a 32.3% net margin), or $4.89 per diluted share. Net interest income was $42.1M, and the efficiency ratio (noninterest expense / revenue) was 58.4%. Operating activities generated $21.3M of cash, leaving $19.9M of free cash flow. At fiscal year end, First Capital held $1.27B in total assets against $1.13B in total liabilities.
Open the full interactive First Capital financials → Quarterly statements, key ratios, valuation history and price charts.
First Capital Key Stats
| Share Price | $62.29 |
|---|---|
| Market Cap | $208.0M |
| P/E Ratio | 12.7 |
| Dividend Yield | 2.00% |
| Revenue YoY Growth | +16.5% |
| 52-Week Range | $38.05 – $68.56 |
| Shares Outstanding | 3.3 million (basic, 2026 Q2) |
First Capital Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $28.1M | $28.3M | $32.3M | $34.6M | $35.8M | $42.1M |
| Provision for Credit Losses | $1.8M | -$325,000 | $950,000 | $1.1M | $1.4M | $1.1M |
| Noninterest Income | $8.6M | $9.6M | $7.9M | $7.6M | $7.7M | $8.5M |
| Noninterest Expense | $23.0M | $24.5M | $25.1M | $26.0M | $27.8M | $29.6M |
| Revenue | $36.7M | $37.9M | $40.3M | $42.2M | $43.4M | $50.6M |
| Pre-Tax Income | $1.8M | $2.2M | $3.3M | $3.0M | $2.3M | $19.9M |
| Income Tax | $1.7M | $2.2M | $2.3M | $2.2M | $2.2M | $3.5M |
| Net Income | $10.1M | $11.4M | $11.9M | $12.8M | $11.9M | $16.4M |
| Diluted EPS | $3.02 | $3.41 | $3.55 | $3.82 | $3.57 | $4.89 |
First Capital Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $13.3M | $13.5M | $13.5M | $14.3M |
| Net Income | $4.5M | $4.9M | $4.3M | $4.8M |
| Diluted EPS | $1.34 | $1.46 | $1.30 | $1.43 |
First Capital Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $500.3M | $483.3M | — | $614.4M | $631.2M | $654.1M |
| Total Assets | $1.02B | $1.16B | $1.15B | $1.16B | $1.19B | $1.27B |
| Deposits | $900.5M | $1.04B | $1.06B | $1.03B | $1.07B | $1.12B |
| Total Liabilities | $906.8M | $1.04B | $1.07B | $1.05B | $1.07B | $1.13B |
| Shareholders' Equity | $110.6M | $113.8M | $85.2M | $105.2M | $114.6M | $137.8M |
First Capital Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $12.1M | $21.6M | $16.5M | $14.2M | $22.3M | $21.3M |
| Cash From Investing | -$62.4M | -$156.5M | -$144.0M | -$23.9M | $29.0M | -$41.8M |
| Cash From Financing | $174.9M | $131.5M | $21.3M | -$17.8M | $15.9M | $51.9M |
| Free Cash Flow | $11.5M | $21.3M | $16.1M | $13.5M | $21.6M | $19.9M |
| Dividends Paid | $3.3M | $3.5M | $3.5M | $3.6M | $3.8M | $4.0M |
Figures from First Capital's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full First Capital financials page for every line item.
First Capital Company Profile
| Ticker | FCAP |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Corydon, Indiana |
| Incorporated in | Indiana |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001070296 |
Frequently Asked Questions
What was First Capital's revenue in fiscal 2025?
First Capital (FCAP) reported revenue of $50.6M for fiscal 2025.
What is First Capital's annual revenue history?
First Capital's annual revenue by fiscal year: 2020: $36.7M; 2021: $37.9M; 2022: $40.3M; 2023: $42.2M; 2024: $43.4M; 2025: $50.6M.
What was First Capital's net income in fiscal 2025?
First Capital reported net income of $16.4M for fiscal 2025.
What was First Capital's earnings per share (EPS) in fiscal 2025?
First Capital's diluted EPS was $4.89 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did First Capital generate in fiscal 2025?
First Capital generated $19.9M of free cash flow in fiscal 2025.
What was First Capital's revenue last quarter?
In its most recent reported quarter (2026 Q2), First Capital reported revenue of $14.3M.
How many shares of First Capital are outstanding?
First Capital reported a weighted average of 3.3 million basic shares outstanding in 2026 Q2.
What is First Capital's market cap?
Based on its latest closing price, First Capital (FCAP) has a market capitalization of about $208.0M.
When does First Capital's fiscal year end?
First Capital's fiscal year end, as registered with the SEC, is December 31.
Where is First Capital headquartered?
First Capital lists its business address in Corydon, Indiana in its SEC filings.
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