What is First Capital Inc's earnings per share (EPS)?

First Capital Inc (FCAP) reported diluted earnings per share of $4.89 for fiscal year 2025. This represents a 37.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Capital Inc (FCAP) Financials

FCAP

Trailing 12 months to June 30, 2026

Revenue $55.8M +16.4% YoY

Net Income $18.4M +40.1% YoY

EPS (Diluted) $5.53 +40.4% YoY

Free Cash Flow $21.7M +15.1% YoY

Market Cap $210.4M as of Oct 5, 2026

Price / Sales 3.8x on $55.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.4x on $18.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.5x on $142.5M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 12, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FCAP SEC filings page.

First Capital Inc (FCAP) reported $55.8M in revenue over the twelve months to Jun 30, 2026, up 16.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FCAP FY2025 2026-10-04

The numbers describe a liability-funded financial business whose 2025 earnings improved faster than its underlying operating cash generation.

Net income reached $16.4M in FY2025, up from $11.9M in FY2024. Operating cash flow moved the other way, falling to $21.3M from $22.3M; this earnings–cash divergence means the earnings improvement was not accompanied by stronger cash production.

Debt-to-equity fell to 8.2x from 9.4x, indicating a better capital cushion than FY2024 despite continued leverage. Liabilities still totaled $1.1B against $137.8M of equity, so the business remains financed predominantly by obligations rather than shareholder capital.

Net margin expanded to 32.3% from 27.5%, showing 2025 earnings grew faster than revenue. Free cash flow was $19.9M versus $1.4M of capital spending, so reported cash generation was not being absorbed by heavy fixed-asset reinvestment.

Financial Health Signals

Financial Health Score 52/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Capital Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

First Capital Inc earned a return on assets of 1.3% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.0% the prior year. Earnings ranks banks on that return over three years, and First Capital Inc scores 71/100 among other banks.

Growth

First Capital Inc reported revenue of $50.6M in fiscal year 2025, against $43.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Capital Inc scores 57/100 among other banks.

Capital

First Capital Inc funded 10.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $137.8M of equity against $1.3B of assets. Capital ranks banks on that cushion, and First Capital Inc scores 43/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Capital Inc scores 62/100 on it among other banks.

Credit Quality

Not available for First Capital Inc, and counted as zero in the overall score.

Stability

First Capital Inc reported net income of $16.4M in fiscal year 2025, against $11.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Capital Inc scores 77/100 among other banks.

Piotroski F-Score Partial

6/6

First Capital Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.30x

For every $1 of reported earnings, First Capital Inc generates $1.30 in operating cash flow ($21.3M OCF vs $16.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$14.3M

YoY+15.0%

QoQ+6.1%

5Y CAGR+8.8%

10Y CAGR+6.7%

First Capital Inc generated $14.3M in revenue in Q2 2026. This represents an increase of 15.0% from the same quarter a year earlier. Against the prior quarter it is up 6.1%.

Net Income

$4.8M

YoY+26.1%

QoQ+10.0%

5Y CAGR+11.8%

10Y CAGR+10.3%

First Capital Inc reported $4.8M in net income in Q2 2026. This represents an increase of 26.1% from the same quarter a year earlier. Against the prior quarter it is up 10.0%.

EPS (Diluted)

$1.43

YoY+26.5%

QoQ+10.0%

5Y CAGR+11.8%

10Y CAGR+10.4%

First Capital Inc earned $1.43 per diluted share (EPS) in Q2 2026. This represents an increase of 26.5% from the same quarter a year earlier. Against the prior quarter it is up 10.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$3.5M

YoY+2.7%

QoQ-39.4%

5Y CAGR+14.1%

10Y CAGR+2.0%

First Capital Inc generated $3.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 2.7% from the same quarter a year earlier. Against the prior quarter it is down 39.4%.

Dividends Per Share

$0.31

YoY+6.9%

QoQ0.0%

5Y CAGR+3.6%

10Y CAGR+4.0%

First Capital Inc paid $0.31 per share in dividends in Q2 2026. This represents an increase of 6.9% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY-0.3%

QoQ0.0%

5Y CAGR-0.2%

10Y CAGR0.0%

First Capital Inc had 3M shares outstanding in Q2 2026. This represents a decrease of 0.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Cash & Debt

Not reported for Q2 2026.

Margins & Returns

Net Margin

33.3%

YoY+2.9pp

QoQ+1.2pp

5Y change+4.3pp

10Y change+9.4pp

First Capital Inc's net profit margin was 33.3% in Q2 2026, showing the share of revenue converted to profit. This is up 2.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.2 percentage points.

Return on Equity

3.3%

YoY+0.3pp

QoQ+0.2pp

5Y change+0.9pp

10Y change+1.0pp

First Capital Inc's ROE was 3.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$704K

YoY+161.7%

QoQ+44.0%

5Y CAGR+74.9%

10Y CAGR+8.2%

First Capital Inc invested $704K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 161.7% from the same quarter a year earlier. Against the prior quarter it is up 44.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

FCAP Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FCAP quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$55.8M	$50.6M+16.5%	$43.4M+2.9%	$42.2M+4.8%	$40.3M+6.3%	$37.9M+3.3%	$36.7M-0.9%	$37.0M+10.7%	$33.4M+5.4%	$31.7M+7.6%	$29.5M+29.2%	$22.8M+2.9%	$22.2M+3.7%	$21.4M+2.5%	$20.9M+1.5%	$20.6M
SG&A Expenses	N/A	$16.8M+8.2%	$15.5M+3.6%	$15.0M+2.1%	$14.7M+1.1%	$14.5M+5.3%	$13.8M+5.3%	$13.1M+11.7%	$11.7M+4.8%	$11.2M+6.8%	$10.5M+32.5%	$7.9M+3.4%	$7.7M+7.3%	$7.1M-9.7%	$7.9M+6.2%	$7.4M
Operating Income	N/A	N/A	$14.2M-5.9%	$15.1M+5.7%	$14.2M+4.1%	$13.7M+15.6%	$11.8M-4.0%	$12.3M+15.6%	$10.7M+1.0%	$10.6M+12.3%	$9.4M+31.0%	$7.2M-9.4%	$7.9M+7.9%	$7.3M+33.6%	$5.5M-0.6%	$5.5M
EBITDA	N/A	N/A	$15.3M-5.1%	$16.1M+5.1%	$15.3M+3.3%	$14.8M+13.7%	$13.0M-2.7%	$13.4M+12.8%	$11.9M+0.8%	$11.8M+11.3%	$10.6M+33.5%	$7.9M-8.0%	$8.6M+7.1%	$8.0M+28.7%	$6.3M-3.0%	$6.4M
Interest Expense	$21.9M	$14.7M+0.1%	$14.7M+62.8%	$9.0M+465.7%	$1.6M+41.3%	$1.1M-27.7%	$1.6M-20.4%	$2.0M+21.7%	$1.6M+15.7%	$1.4M-21.0%	$1.8M+75.6%	$1.0M-12.2%	$1.1M-30.8%	$1.7M-32.9%	$2.5M-34.4%	$3.8M
Income Tax	N/A	$3.5M+59.3%	$2.2M-1.4%	$2.2M-3.1%	$2.3M+3.6%	$2.2M+32.4%	$1.7M-14.8%	$2.0M+42.5%	$1.4M-55.1%	$3.1M+23.0%	$2.5M+28.5%	$2.0M-15.1%	$2.3M+2.5%	$2.3M+44.6%	$1.6M+1.0%	$1.5M
Net Income	$18.4M	$16.4M+37.1%	$11.9M-6.6%	$12.8M+7.5%	$11.9M+4.2%	$11.4M+12.8%	$10.1M-1.9%	$10.3M+11.6%	$9.3M+24.4%	$7.4M+8.4%	$6.9M+32.1%	$5.2M-7.1%	$5.6M+10.2%	$5.1M+29.4%	$3.9M-1.3%	$4.0M
EPS (Basic)	N/A	$4.89+37.0%	$3.57-6.5%	$3.82+7.6%	$3.55+4.1%	$3.41+12.5%	$3.03-2.3%	$3.10+11.5%	$2.78+24.1%	$2.24+9.3%	$2.05+9.6%	$1.87-7.9%	$2.03+11.5%	$1.82+29.1%	$1.41-1.4%	$1.43
EPS (Diluted)	$5.53	$4.89+37.0%	$3.57-6.5%	$3.82+7.6%	$3.55+4.1%	$3.41+12.9%	$3.02-2.3%	$3.09+11.6%	$2.77+24.2%	$2.23+8.8%	$2.05+9.6%	$1.87-7.9%	$2.03+11.5%	$1.82+29.1%	$1.41-1.4%	$1.43
Diluted Shares (Avg)	N/A	3M+0.1%	3M0.0%	3M-0.2%	3M+0.3%	3M-0.1%	3M+0.2%	3M+0.3%	3M+0.2%	3M-0.4%	3M+20.1%	3M+1.0%	3M	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$14.3M+15.0%	$13.5M+17.8%	$14.8M+12.2%	$13.3M+21.4%	$12.4M+16.4%	$11.4M+8.9%	$13.2M+27.1%	$10.9M+4.2%
SG&A Expenses	$4.5M+5.5%	$4.3M+5.7%	N/A	$4.1M+5.2%	$4.3M+7.8%	$4.1M+6.7%	N/A	$3.9M+4.3%
Operating Income	N/A	N/A	N/A	$5.5M+61.4%	$4.6M+39.5%	$3.9M+12.9%	N/A	$3.4M-7.4%
EBITDA	N/A	N/A	N/A	$5.8M+56.7%	$4.9M+36.8%	$4.2M+12.4%	N/A	$3.7M-6.5%
Interest Expense	$3.5M-2.6%	$3.5M-6.9%	$11.2M+19.1%	$3.7M-9.7%	$3.6M+1.9%	$3.8M+16.3%	$9.4M+204.4%	$4.1M+55.1%
Income Tax	$1.2M+46.6%	$1.0M+53.3%	N/A	$1.1M+98.7%	$852K+74.6%	$672K+32.5%	N/A	$537K-6.1%
Net Income	$4.8M+26.1%	$4.3M+33.8%	$4.9M+49.6%	$4.5M+54.5%	$3.8M+33.5%	$3.2M+9.6%	$3.3M+4.9%	$2.9M-7.6%
EPS (Basic)	$1.43+26.5%	$1.30+34.0%	$1.46+50.5%	$1.34+54.0%	$1.13+32.9%	$0.97+10.2%	$0.97+4.3%	$0.87-7.4%
EPS (Diluted)	$1.43+26.5%	$1.30+34.0%	$1.46+50.5%	$1.34+54.0%	$1.13+32.9%	$0.97+10.2%	$0.97+4.3%	$0.87-7.4%
Diluted Shares (Avg)	3M-0.3%	3.34B-0.3%	N/A	3.35B+0.1%	3M-99.9%	3.35B+99996.8%	N/A	3.35B+99940.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.

FCAP Balance Sheet

FCAP quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.3B+7.1%	$1.2B+2.6%	$1.2B+0.6%	$1.2B-0.4%	$1.2B+13.7%	$1.0B+23.0%	$827.5M+4.2%	$794.2M+4.6%	$759.0M+2.1%	$743.7M+3.9%	$715.8M+51.4%	$472.8M+6.4%	$444.4M-3.2%	$459.1M+4.6%	$438.9M
Goodwill	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M+20.2%	$5.4M0.0%	$5.4M0.0%	$5.4M0.0%	$5.4M
Total Liabilities	$1.1B+5.7%	$1.1B+1.9%	$1.1B-1.3%	$1.1B+2.3%	$1.0B+15.0%	$906.8M+24.5%	$728.5M+2.9%	$708.2M+4.5%	$677.9M+1.5%	$667.8M+4.1%	$641.3M+54.3%	$415.5M+6.3%	$391.0M-3.7%	$406.2M+4.7%	$387.8M
Total Equity	$137.8M+20.2%	$114.6M+8.9%	$105.2M+23.6%	$85.2M-25.2%	$113.8M+2.9%	$110.6M+11.9%	$98.8M+15.1%	$85.8M+6.1%	$80.9M+6.9%	$75.7M+1.8%	$74.4M+30.2%	$57.1M+7.3%	$53.2M+0.8%	$52.8M+3.7%	$50.9M
Retained Earnings	$117.6M+11.7%	$105.3M+8.4%	$97.1M+9.8%	$88.5M+10.5%	$80.1M+11.0%	$72.2M+10.6%	$65.3M+12.3%	$58.1M+11.9%	$52.0M+10.5%	$47.1M+9.4%	$43.0M+6.9%	$40.2M+8.9%	$36.9M+8.3%	$34.1M+5.6%	$32.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$1.3B+3.8%	$1.3B+5.7%	$1.3B+7.1%	$1.2B+3.9%	$1.2B+6.8%	$1.2B+5.0%	$1.2B+2.6%	$1.2B+4.1%
Goodwill	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%	$6.5M0.0%
Total Liabilities	$1.1B+2.5%	$1.1B+4.7%	$1.1B+5.7%	$1.1B+2.8%	$1.1B+6.0%	$1.1B+4.2%	$1.1B+1.9%	$1.1B+1.8%
Total Equity	$142.5M+15.7%	$138.0M+15.0%	$137.8M+20.2%	$132.4M+13.4%	$123.2M+14.3%	$120.1M+13.6%	$114.6M+8.9%	$116.8M+31.0%
Retained Earnings	$124.7M+13.0%	$120.9M+12.4%	$117.6M+11.7%	$113.8M+10.5%	$110.4M+9.2%	$107.6M+8.5%	$105.3M+8.4%	$103.0M+8.5%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

FCAP Cash Flow Statement

FCAP quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$23.8M	$21.3M-4.7%	$22.3M+57.8%	$14.2M-14.3%	$16.5M-23.6%	$21.6M+79.4%	$12.1M-14.3%	$14.1M+5.5%	$13.3M-0.5%	$13.4M+62.9%	$8.2M+37.2%	$6.0M-13.1%	$6.9M-29.7%	$9.8M+33.5%	$7.4M-20.8%	$9.3M
Depreciation & Amortization	N/A	$1.1M-0.7%	$1.1M+6.7%	$1.0M-3.9%	$1.1M-6.4%	$1.1M-4.8%	$1.2M+12.1%	$1.1M-11.9%	$1.2M-0.9%	$1.2M+3.3%	$1.2M+57.0%	$756K+8.3%	$698K-1.3%	$707K-6.7%	$758K-17.2%	$916K
Stock-Based Compensation	N/A	$104K-48.5%	$202K-19.8%	$252K-42.2%	$436K-10.5%	$487K+27.8%	$381K+32.3%	$288K+50.0%	$192K+118.2%	$88K+7.3%	$82K+15.5%	$71K	N/A	N/A	N/A	N/A
Capital Expenditures	$2.1M	$1.4M+88.6%	$717K+14.4%	$627K+51.1%	$415K+44.1%	$288K-52.2%	$602K-79.8%	$3.0M+639.6%	$402K-68.3%	$1.3M-36.3%	$2.0M+80.3%	$1.1M+97.7%	$559K+88.2%	$297K-61.0%	$762K+31.4%	$580K
Free Cash Flow	$21.7M	$19.9M-7.8%	$21.6M+59.8%	$13.5M-16.0%	$16.1M-24.5%	$21.3M+86.3%	$11.5M+3.2%	$11.1M-14.2%	$12.9M+6.6%	$12.2M+94.5%	$6.2M+27.5%	$4.9M-22.8%	$6.3M-33.3%	$9.5M+44.4%	$6.6M-24.3%	$8.7M
Investing Cash Flow	-$29.9M	-$41.8M-244.2%	$29.0M+221.1%	-$23.9M+83.4%	-$144.0M+7.9%	-$156.5M-150.7%	-$62.4M-195.7%	-$21.1M+4.5%	-$22.1M+45.3%	-$40.4M+58.0%	-$96.2M-275.1%	$55.0M	N/A	-$3.3M+83.3%	-$20.0M-395.8%	$6.8M
Financing Cash Flow	$21.3M	$51.9M+226.6%	$15.9M+189.1%	-$17.8M-183.8%	$21.3M-83.8%	$131.5M-24.8%	$174.9M+912.2%	$17.3M-27.9%	$23.9M+241.6%	$7.0M-71.5%	$24.6M+89.4%	$13.0M	N/A	-$17.2M-210.4%	$15.5M+183.1%	-$18.7M
Dividends Paid	$4.2M	$4.0M+7.1%	$3.8M+3.7%	$3.6M+3.2%	$3.5M-0.1%	$3.5M+8.2%	$3.3M+1.4%	$3.2M+3.5%	$3.1M+7.6%	$2.9M+2.3%	$2.8M+15.0%	$2.4M+5.3%	$2.3M+3.7%	$2.2M+5.2%	$2.1M0.0%	$2.1M
Share Buybacks	N/A	$578K+1309.8%	$41K-91.8%	$502K	$0-100.0%	$40K+207.7%	$13K+550.0%	$2K-93.8%	$32K+100.0%	$16K-52.9%	$34K+240.0%	$10K-98.9%	$908K+4678.9%	$19K+35.7%	$14K-48.1%	$27K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$4.3M+14.2%	$6.3M+44.5%	$5.2M+28.7%	$7.9M+4.8%	$3.7M+7.0%	$4.4M-39.2%	$4.1M+324.7%	$7.6M+36.7%
Depreciation & Amortization	$290K+3.6%	$279K-0.7%	$258K-10.4%	$270K-1.5%	$280K+3.7%	$281K+6.0%	$288K+10.3%	$274K+6.2%
Stock-Based Compensation	N/A	$20K-47.4%	N/A	N/A	N/A	$38K-51.3%	N/A	N/A
Capital Expenditures	$704K+161.7%	$489K+122.3%	$698K+116.1%	$165K+98.8%	$269K+77.0%	$220K+38.4%	$323K+74.6%	$83K-44.7%
Free Cash Flow	$3.5M+2.7%	$5.9M+40.4%	$4.5M+21.2%	$7.8M+3.7%	$3.5M+3.8%	$4.2M-41.0%	$3.7M+384.6%	$7.5M+39.0%
Investing Cash Flow	-$3.2M+72.4%	-$6.5M+35.8%	-$6.8M-166.0%	-$13.4M-179.6%	-$11.5M-746.4%	-$10.2M-10080.4%	$10.3M+73.2%	$16.8M+256.9%
Financing Cash Flow	-$907K-103.5%	$12.5M-24.0%	$26.7M+1586.5%	-$17.0M-213.4%	$25.7M+698.3%	$16.5M+523.2%	$1.6M+399.4%	$15.0M+237.8%
Dividends Paid	$1.0M+6.5%	$1.0M+6.6%	$1.0M+6.7%	$1.0M+6.9%	$985K+7.2%	$974K+7.6%	$972K+7.6%	$972K+7.4%
Share Buybacks	N/A	N/A	$517K	$52K+85.7%	$0-100.0%	$9K	$0	$28K

FCAP Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FCAP quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	N/A	32.6%-3.0pp	35.6%+0.3pp	35.4%-0.8pp	36.1%+3.8pp	32.3%-1.0pp	33.3%+1.4pp	31.9%-1.4pp	33.3%+1.4pp	31.9%+0.4pp	31.4%-4.3pp	35.7%+1.4pp	34.3%+8.0pp	26.3%-0.6pp	26.9%
Net Margin	32.3%+4.9pp	27.5%-2.8pp	30.3%+0.7pp	29.5%-0.6pp	30.2%+2.5pp	27.6%-0.3pp	27.9%+0.2pp	27.7%+4.2pp	23.4%+0.2pp	23.3%+0.5pp	22.8%-2.4pp	25.2%+1.5pp	23.7%+4.9pp	18.8%-0.5pp	19.3%
Return on Equity	11.9%+1.5pp	10.4%-1.7pp	12.2%-1.8pp	14.0%+3.9pp	10.0%+0.9pp	9.2%-1.3pp	10.4%-0.3pp	10.8%+1.6pp	9.2%+0.1pp	9.1%+2.1pp	7.0%-2.8pp	9.8%+0.3pp	9.5%+2.1pp	7.4%-0.4pp	7.8%
Return on Assets	1.3%+0.3pp	1.0%-0.1pp	1.1%+0.1pp	1.0%0.0pp	1.0%0.0pp	1.0%-0.3pp	1.3%+0.1pp	1.2%+0.2pp	1.0%+0.1pp	0.9%+0.2pp	0.7%-0.4pp	1.2%0.0pp	1.1%+0.3pp	0.9%-0.1pp	0.9%
Debt-to-Equity	8.23-1.1x	9.36-0.6x	10.00-2.5x	12.52+3.4x	9.16+1.0x	8.20+0.8x	7.37-0.9x	8.25-0.1x	8.38-0.4x	8.82+0.2x	8.62+1.3x	7.27-0.1x	7.35-0.3x	7.69+0.1x	7.61
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	39.4%-10.4pp	49.8%+17.7pp	32.1%-8.0pp	40.0%-16.3pp	56.3%+25.1pp	31.2%+1.2pp	30.0%-8.7pp	38.7%+0.4pp	38.3%+17.1pp	21.2%-0.3pp	21.5%-7.2pp	28.6%-15.9pp	44.5%+12.9pp	31.6%-10.8pp	42.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Margin	N/A	N/A	N/A	41.8%+10.4pp	37.3%+6.2pp	34.2%+1.2pp	N/A	31.5%-4.0pp
Net Margin	33.3%+2.9pp	32.2%+3.8pp	33.0%+8.2pp	33.8%+7.2pp	30.4%+3.9pp	28.3%+0.2pp	24.7%-5.2pp	26.5%-3.4pp
Return on Equity	3.3%+0.3pp	3.1%+0.4pp	3.5%+0.7pp	3.4%+0.9pp	3.1%+0.4pp	2.7%-0.1pp	2.9%-0.1pp	2.5%-1.0pp
Return on Assets	0.4%+0.1pp	0.3%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.3%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.2%0.0pp
Debt-to-Equity	8.05-1.0x	8.30-0.8x	8.23-1.1x	8.33-0.9x	9.09-0.7x	9.11-0.8x	9.36-0.6x	9.18-2.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	24.8%-3.0pp	43.5%+7.0pp	30.6%+2.3pp	58.6%-10.0pp	27.8%-3.4pp	36.5%-30.8pp	28.4%+20.9pp	68.6%+17.2pp

Not reported in any period shown, so not listed: Gross Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First Capital Inc FCAP	FY2025	$50.6M	$16.4M	32.3%	$210.4M	52/100
BCB Bancorp Inc (NJ) BCBP	FY2025	$101.6M	-$12.5M	-12.3%	$261.4M	19/100
Richmond Mutual Bancorporation, Inc. RMBI	FY2025	$48.9M	$11.6M	23.7%	$247.6M	36/100
Rhinebeck Bancorp, Inc. RBKB	FY2025	$53.4M	$10.0M	18.8%	$205.6M	23/100
BV Financial, Inc. BVFL	FY2025	$39.6M	$13.5M	34.1%	$179.8M	66/100
Hanover Bancorp, Inc. HNVR	FY2025	$73.3M	$7.5M	10.2%	$180.9M	29/100

Where First Capital Inc Ranks

Frequently Asked Questions

What is First Capital Inc's annual revenue?

First Capital Inc (FCAP) reported $50.6M in total revenue for fiscal year 2025. This represents a 16.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Capital Inc's revenue growing?

First Capital Inc (FCAP) revenue grew by 16.5% year-over-year, from $43.4M to $50.6M in fiscal year 2025.

Is First Capital Inc profitable?

Yes, First Capital Inc (FCAP) reported a net income of $16.4M in fiscal year 2025, with a net profit margin of 32.3%.

What is First Capital Inc's net profit margin?

First Capital Inc (FCAP) had a net profit margin of 32.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Capital Inc pay dividends?

Yes, First Capital Inc (FCAP) paid $1.20 per share in dividends during fiscal year 2025.

What is First Capital Inc's return on equity (ROE)?

First Capital Inc (FCAP) has a return on equity of 11.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Capital Inc's free cash flow?

First Capital Inc (FCAP) generated $19.9M in free cash flow during fiscal year 2025. This represents a -7.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Capital Inc's operating cash flow?

First Capital Inc (FCAP) generated $21.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Capital Inc's total assets?

First Capital Inc (FCAP) had $1.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Capital Inc's capital expenditures?

First Capital Inc (FCAP) invested $1.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does First Capital Inc buy back shares?

Yes, First Capital Inc (FCAP) spent $578K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does First Capital Inc have outstanding?

First Capital Inc (FCAP) had 3M shares outstanding as of fiscal year 2025.

What is First Capital Inc's debt-to-equity ratio?

First Capital Inc (FCAP) had a debt-to-equity ratio of 8.23 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Capital Inc's return on assets (ROA)?

First Capital Inc (FCAP) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Capital Inc's P/E ratio?

First Capital Inc (FCAP) trades at 11.4x earnings, its market capitalization divided by net income of $18.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $210.4M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Capital Inc's price-to-sales ratio?

First Capital Inc (FCAP) trades at 3.8x sales, its market capitalization divided by revenue of $55.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $210.4M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Capital Inc's Piotroski F-Score?

First Capital Inc (FCAP) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Capital Inc's earnings high quality?

First Capital Inc (FCAP) has an earnings quality ratio of 1.30x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Capital Inc?

First Capital Inc (FCAP) scores 52 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.