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First Capital (FCAP) Financials

First Capital logo
$65.03 -0.97 (-1.47%)
Closing price 11/13/2026 04:00 PM Eastern
Extended Trading
$65.00 -0.03 (-0.05%)
As of 11/13/2026 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for First Capital

Annual Income Statements for First Capital

This table shows First Capital's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 5.20 6.86 7.44 9.38 10 10 11 12 13 12 16
Consolidated Net Income / (Loss)		 5.21 6.88 7.45 9.27 10 10 11 12 13 12 16
Net Income / (Loss) Continuing Operations		 5.21 2.36 2.61 9.39 10 10 11 12 13 12 16
Total Pre-Tax Income 		7.18 9.40 11 11 12 12 14 14 15 14 20
Total Revenue		 23 25 27 34 37 37 38 40 42 43 51
Net Interest Income / (Expense)		 18 23 25 27 30 28 28 32 35 36 42
Total Interest Income		 19 25 26 29 32 30 29 34 44 50 57
Loans and Leases Interest Income		 16 20 21 23 26 25 24 25 33 38 41
Investment Securities Interest Income		 2.31 4.49 5.35 5.31 5.45 4.76 5.36 7.71 8.98 9.55 11
Deposits and Money Market Investments Interest Income		 - - - - - - - - 1.27 2.65 4.50
Total Interest Expense		 1.00 1.76 1.39 1.61 1.96 1.56 1.13 1.59 9.02 15 15
Deposits Interest Expense		 1.00 1.76 1.37 1.59 1.96 1.56 1.13 1.59 8.24 13 15
Short-Term Borrowings Interest Expense		 - - - - - - 0.00 0.00 0.78 1.45 0.00
Total Non-Interest Income		 5.12 6.17 6.70 6.17 6.93 8.60 9.55 7.93 7.63 7.66 8.47
Other Service Charges		 4.15 0.29 0.22 0.29 0.24 0.23 0.23 0.26 0.34 0.35 0.41
Net Realized & Unrealized Capital Gains on Investments		 0.84 1.18 1.44 0.53 1.19 2.52 2.77 0.42 0.25 0.21 0.85
Other Non-Interest Income		 0.14 0.18 0.20 5.48 5.62 5.85 6.55 7.25 7.04 7.09 7.39
Provision for Credit Losses		 0.05 0.65 0.92 1.17 1.43 1.80 -0.33 0.95 1.14 1.45 1.14
Total Non-Interest Expense		 16 19 20 22 23 23 25 25 26 28 30
Salaries and Employee Benefits		 7.92 10 11 12 13 14 15 15 15 16 17
Net Occupancy & Equipment Expense		 3.02 4.08 4.27 4.74 5.15 4.88 5.22 5.79 6.13 6.44 7.01
Marketing Expense		 0.32 0.31 0.33 0.33 0.54 0.34 0.35 0.35 0.33 0.36 0.48
Other Operating Expenses		 3.35 4.56 4.44 4.80 4.46 4.02 4.42 4.25 4.57 5.49 5.26
Income Tax Expense		 1.96 2.52 3.10 1.39 1.99 1.69 2.24 2.32 2.25 2.22 3.53
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
Basic Earnings per Share		 $1.87 $2.05 $2.24 $2.78 $3.10 $3.03 $3.41 $3.55 $3.82 $3.57 $4.89
Weighted Average Basic Shares Outstanding		 2.78M 3.34M 3.33M 3.36M 3.38M 3.38M 3.37M 3.36M 3.35M 3.36M 3.35M
Diluted Earnings per Share		 $1.87 $2.05 $2.23 $2.77 $3.09 $3.02 $3.41 $3.55 $3.82 $3.57 $4.89
Weighted Average Diluted Shares Outstanding		 2.78M 3.34M 3.33M 3.36M 3.38M 3.38M 3.37M 3.36M 3.35M 3.36M 3.35M
Weighted Average Basic & Diluted Shares Outstanding		 2.78M 3.34M 3.33M 3.36M 3.38M 3.38M 3.37M 3.36M 3.35M 3.36M 3.35M
Cash Dividends to Common per Share		 $0.84 $0.84 $0.86 $0.92 $0.95 $0.96 $1.04 $1.04 $1.08 $1.12 $1.20

Quarterly Income Statements for First Capital

This table shows First Capital's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.95 2.83 2.90 3.26 3.24 3.78 4.48 4.88 4.33 4.76 5.10
Consolidated Net Income / (Loss)		 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33 4.77 5.11
Net Income / (Loss) Continuing Operations		 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33 4.77 5.11
Total Pre-Tax Income 		3.46 3.32 3.44 3.95 3.91 4.63 5.55 5.82 5.36 6.01 6.34
Total Revenue		 10 11 11 11 11 12 13 14 14 14 15
Net Interest Income / (Expense)		 8.60 8.66 9.13 9.41 9.58 10 11 11 11 12 13
Total Interest Income		 12 12 13 13 13 14 15 15 15 16 16
Loans and Leases Interest Income		 9.24 9.47 9.72 9.85 9.77 10 10 10 10 11 11
Investment Securities Interest Income		 2.35 2.42 2.39 2.40 2.51 2.67 2.97 3.28 3.44 3.60 3.84
Deposits and Money Market Investments Interest Income		 - 0.33 1.12 - 1.06 1.12 1.28 1.04 1.04 1.21 1.20
Total Interest Expense		 3.24 3.56 4.10 3.78 3.77 3.63 3.70 3.60 3.51 3.54 3.58
Deposits Interest Expense		 2.81 3.10 3.69 3.63 3.77 3.63 3.70 3.60 3.51 3.54 3.58
Total Non-Interest Income		 1.90 2.02 1.80 1.93 1.85 2.02 2.31 2.29 2.05 2.21 2.29
Other Service Charges		 0.13 0.08 0.07 0.05 0.10 0.12 0.09 0.10 0.10 0.10 0.18
Net Realized & Unrealized Capital Gains on Investments		 0.07 0.16 -0.07 0.06 0.05 0.11 0.35 0.33 0.22 0.24 0.21
Other Non-Interest Income		 1.70 1.78 1.80 1.82 1.70 1.83 1.91 2.04 1.78 1.91 1.95
Provision for Credit Losses		 0.28 0.36 0.46 0.35 0.34 0.31 0.15 0.35 0.35 0.43 0.36
Total Non-Interest Expense		 6.76 7.00 7.02 7.05 7.18 7.49 7.56 7.32 7.75 7.85 8.11
Salaries and Employee Benefits		 3.84 3.96 3.89 3.84 4.10 4.27 4.09 4.34 4.34 4.51 4.68
Net Occupancy & Equipment Expense		 1.54 1.60 1.64 1.67 1.73 1.71 1.99 1.59 1.73 1.74 1.90
Marketing Expense		 0.09 0.08 0.11 0.08 0.07 0.12 0.15 0.14 0.07 0.20 0.16
Other Operating Expenses		 1.29 1.36 1.39 1.46 1.27 1.40 1.34 1.25 1.61 1.40 1.38
Income Tax Expense		 0.51 0.49 0.54 0.68 0.67 0.85 1.07 0.94 1.03 1.25 1.23
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Basic Earnings per Share		 $0.88 $0.85 $0.87 $0.97 $0.97 $1.13 $1.34 $1.45 $1.30 $1.43 $1.53
Weighted Average Basic Shares Outstanding		 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M 3.34M 3.34M
Diluted Earnings per Share		 $0.88 $0.85 $0.87 $0.97 $0.97 $1.13 $1.34 $1.45 $1.30 $1.43 $1.53
Weighted Average Diluted Shares Outstanding		 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M 3.34M 3.34M
Weighted Average Basic & Diluted Shares Outstanding		 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M 3.34M 3.34M
Cash Dividends to Common per Share		 $0.27 $0.27 $0.29 $0.29 $0.29 $0.29 $0.31 $0.31 $0.31 $0.31 $0.32

Annual Cash Flow Statements for First Capital

This table details how cash moves in and out of First Capital's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 74 -63 -20 15 10 125 -3.38 -106 -28 67 31
Net Cash From Operating Activities		 6.01 8.24 13 13 14 12 22 17 14 22 21
Net Cash From Continuing Operating Activities		 6.01 8.24 13 13 14 12 22 17 14 22 21
Net Income / (Loss) Continuing Operations		 5.21 6.88 7.45 9.27 10 10 11 12 13 12 16
Consolidated Net Income / (Loss)		 5.21 6.88 7.45 9.27 10 10 11 12 13 12 16
Provision For Loan Losses		 0.05 0.65 0.92 1.17 1.43 1.80 -0.33 0.95 1.14 1.45 1.14
Depreciation Expense		 0.76 1.19 1.23 1.22 1.07 1.20 1.14 1.07 1.03 1.10 1.09
Amortization Expense		 0.69 1.27 1.73 2.02 2.13 2.50 2.58 2.37 3.57 3.27 3.95
Non-Cash Adjustments to Reconcile Net Income		 -0.80 -1.57 2.30 0.27 -0.48 -3.46 5.34 2.14 -0.49 0.09 -2.10
Changes in Operating Assets and Liabilities, net		 0.10 -0.17 -0.21 -0.59 -0.40 -0.12 1.46 -1.91 -3.89 4.48 0.83
Net Cash From Investing Activities		 55 -96 -40 -22 -21 -62 -156 -144 -24 29 -42
Net Cash From Continuing Investing Activities		 55 -96 -40 -22 -21 -62 -156 -144 -24 29 -42
Purchase of Property, Leasehold Improvements and Equipment		 -1.11 -1.99 -1.27 -0.40 -2.97 -0.60 -0.29 -0.42 -0.63 -0.72 -1.35
Purchase of Investment Securities		 -41 -208 -79 -67 -104 -141 -237 -175 -98 -82 -166
Sale of Property, Leasehold Improvements and Equipment		 0.04 0.04 0.00 - 0.00 0.00 0.07 0.00 0.00 0.01 0.00
Sale and/or Maturity of Investments		 78 114 34 46 85 80 37 30 75 110 125
Other Investing Activities, net		 - - 5.52 - 1.21 0.09 44 1.16 -0.24 1.23 1.23
Net Cash From Financing Activities		 13 25 7.01 24 17 175 131 21 -18 16 52
Net Cash From Continuing Financing Activities		 13 25 7.01 24 17 175 131 21 -18 16 52
Net Change in Deposits		 15 27 -0.09 37 21 178 135 25 -35 41 57
Issuance of Debt		 16 - 10 - - - 0.00 0.00 355 168 0.00
Repayment of Debt		 -16 0.00 - -10 - - 0.00 0.00 -333 -189 0.00
Repurchase of Common Equity		 -0.01 -0.03 -0.02 -0.03 -0.00 -0.01 -0.04 0.00 -0.50 -0.04 -0.58
Payment of Dividends		 -2.45 -2.82 -2.88 -3.10 -3.21 -3.26 -3.52 -3.52 -3.63 -3.77 -4.04
Other Financing Activities, Net		 - - -0.00 -0.00 -0.04 -0.13 -0.09 -0.03 -0.02 -0.02 -0.02

Quarterly Cash Flow Statements for First Capital

This table details how cash moves in and out of First Capital's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
Net Change in Cash & Equivalents		 3.42 8.48 39 16 11 18 -22 25 12 0.17 -11
Net Cash From Operating Activities		 7.22 3.48 7.58 4.06 4.39 3.72 7.94 5.23 6.34 4.25 7.58
Net Cash From Continuing Operating Activities		 7.22 3.48 7.58 4.06 4.39 3.72 7.94 5.23 6.34 4.25 7.58
Net Income / (Loss) Continuing Operations		 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33 4.77 5.11
Consolidated Net Income / (Loss)		 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33 4.77 5.11
Provision For Loan Losses		 0.28 0.36 0.46 0.35 0.34 0.31 0.15 0.35 0.35 0.43 0.36
Depreciation Expense		 0.27 0.27 0.27 0.29 0.28 0.28 0.27 0.26 0.28 0.29 0.29
Amortization Expense		 0.89 0.68 0.67 1.04 0.60 1.15 1.15 1.05 0.46 0.49 0.48
Non-Cash Adjustments to Reconcile Net Income		 -0.10 -1.51 1.53 0.16 0.10 -1.16 0.52 -1.55 1.26 -2.60 0.30
Changes in Operating Assets and Liabilities, net		 2.93 0.85 1.74 -1.04 -0.17 -0.63 1.38 0.24 -0.34 0.88 1.04
Net Cash From Investing Activities		 0.10 1.78 17 10 -10 -11 -13 -6.82 -6.53 -3.17 -9.96
Net Cash From Continuing Investing Activities		 0.10 1.78 17 10 -10 -11 -13 -6.82 -6.53 -3.17 -9.96
Purchase of Property, Leasehold Improvements and Equipment		 -0.16 -0.15 -0.08 -0.32 -0.22 -0.27 -0.17 -0.70 -0.49 -0.70 -0.80
Purchase of Investment Securities		 -34 -17 -14 -17 -43 -31 -48 -44 -57 -32 -43
Sale and/or Maturity of Investments		 34 -3.41 53 10 33 -6.01 60 37 33 14 67
Other Investing Activities, net		 0.74 23 -22 17 0.00 26 -26 0.74 18 16 -34
Net Cash From Financing Activities		 -3.90 3.22 15 1.58 16 26 -17 27 13 -0.91 -8.41
Net Cash From Continuing Financing Activities		 -3.90 3.22 15 1.58 16 26 -17 27 13 -0.91 -8.41
Net Change in Deposits		 -15 4.15 16 36 17 27 -16 28 14 0.16 -7.33
Payment of Dividends		 -0.91 -0.92 -0.97 -0.97 -0.97 -0.99 -1.04 -1.04 -1.04 -1.05 -1.07

Annual Balance Sheets for First Capital

This table presents First Capital's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 716 744 759 794 827 1,018 1,157 1,151 1,158 1,188 1,272
Cash and Due from Banks		 15 19 19 17 19 29 23 25 20 18 27
Interest Bearing Deposits at Other Banks		 20 17 9.99 9.43 9.90 13 8.78 7.50 7.09 90 112
Trading Account Securities		 190 260 274 265 259 291 452 469 445 397 426
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 14 15 15 14 16 16 15 15 14 14 14
Goodwill		 6.47 6.47 6.47 6.47 6.47 6.47 6.47 6.47 6.47 6.47 6.47
Other Assets		 19 19 18 25 21 20 505 591 649 661 687
Total Liabilities & Shareholders' Equity		 716 744 759 794 827 1,018 1,157 1,151 1,158 1,188 1,272
Total Liabilities		 641 668 678 708 729 907 1,043 1,066 1,053 1,073 1,134
Non-Interest Bearing Deposits		 125 121 130 143 146 226 243 255 206 198 220
Interest Bearing Deposits		 512 543 535 558 576 675 793 806 820 868 903
Accrued Interest Payable		 0.17 0.13 0.11 0.15 0.21 0.15 0.10 0.12 1.21 1.92 2.20
Other Long-Term Liabilities		 3.98 3.03 3.24 6.41 6.16 6.19 7.00 5.61 4.62 4.45 8.90
Total Equity & Noncontrolling Interests		 75 76 81 86 99 111 114 85 105 115 138
Total Preferred & Common Equity		 74 76 81 86 99 111 114 85 105 115 138
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 74 76 81 86 99 111 114 85 105 115 138
Common Stock		 40 40 40 40 41 42 42 42 42 42 42
Retained Earnings		 43 47 52 58 65 72 80 88 97 105 118
Treasury Stock		 -8.26 -8.30 -8.32 -8.35 -8.39 -8.54 -8.67 -8.69 -9.22 -9.28 -9.88
Accumulated Other Comprehensive Income / (Loss)		 0.50 -2.28 -2.06 -3.48 2.14 6.82 1.73 -36 -24 -23 -12
Other Equity Adjustments		 -0.38 -0.30 -0.21 -0.72 -0.94 -1.52 -1.03 -0.55 -0.25 -0.14 -0.18
Noncontrolling Interest		 0.11 0.11 0.11 0.11 0.11 0.11 0.11 0.11 0.11 0.11 0.11

Quarterly Balance Sheets for First Capital

This table presents First Capital's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026 9/30/2026
Total Assets		 1,143 1,157 1,164 1,189 1,215 1,243 1,235 1,284 1,290 1,275
Cash and Due from Banks		 18 20 23 21 26 26 21 22 21 23
Interest Bearing Deposits at Other Banks		 5.39 4.90 4.61 8.37 93 111 94 129 130 117
Trading Account Securities		 448 436 423 416 399 404 430 416 415 403
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 14 14 14 14 14 14 14 15 15 15
Goodwill		 6.47 6.47 6.47 6.47 6.47 6.47 6.47 6.47 6.47 6.47
Other Assets		 637 654 666 660 676 681 671 697 702 710
Total Liabilities & Shareholders' Equity		 1,143 1,157 1,164 1,189 1,215 1,243 1,235 1,284 1,290 1,275
Total Liabilities		 1,053 1,051 1,056 1,072 1,094 1,119 1,103 1,146 1,147 1,139
Non-Interest Bearing Deposits		 234 209 204 200 204 209 213 219 219 218
Interest Bearing Deposits		 783 801 810 830 880 902 881 918 918 911
Accrued Interest Payable		 1.51 1.40 2.35 2.50 1.76 2.21 2.12 2.16 1.94 1.99
Other Long-Term Liabilities		 6.45 5.60 5.51 6.04 8.66 6.54 6.08 7.27 8.75 7.63
Total Equity & Noncontrolling Interests		 89 106 108 117 120 123 133 138 143 136
Total Preferred & Common Equity		 89 106 108 117 120 123 132 138 143 136
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 89 106 108 117 120 123 132 138 143 136
Common Stock		 42 42 42 42 42 42 42 42 42 42
Retained Earnings		 95 99 101 103 108 110 114 121 125 129
Treasury Stock		 -9.22 -9.22 -9.23 -9.27 -9.29 -9.29 -9.35 -9.88 -9.89 -9.90
Accumulated Other Comprehensive Income / (Loss)		 -38 -26 -26 -19 -20 -20 -14 -15 -14 -25
Other Equity Adjustments		 -0.30 -0.26 -0.20 -0.17 -0.24 -0.21 -0.19 -0.35 -0.34 -0.30
Noncontrolling Interest		 0.11 0.12 0.11 0.11 0.12 0.11 0.11 0.12 0.11 0.11

Annual Metrics And Ratios for First Capital

This table displays calculated financial ratios and metrics derived from First Capital's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 2,741,325.00 3,337,552.00 3,336,964.00 3,356,144.00 3,363,632.00 3,375,760.00 3,373,872.00 3,371,362.00 3,350,660.00 - 3,347,627.00
DEI Adjusted Shares Outstanding		 2,741,325.00 3,337,552.00 3,336,964.00 3,356,144.00 3,363,632.00 3,375,760.00 3,373,872.00 3,371,362.00 3,350,660.00 - 3,347,627.00
DEI Earnings Per Adjusted Shares Outstanding		 1.90 2.06 2.23 2.76 3.07 3.01 3.39 3.53 3.82 - 4.89
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.89% 9.40% 7.63% 24.87% 10.62% -1.21% 3.27% 6.31% 4.83% 2.90% 16.92%
EBITDA Growth		 -7.43% -14.96% 18.20% 61.74% 11.51% -0.63% 11.98% 1.58% 11.20% -5.66% 35.51%
EBIT Growth		 -9.40% -32.00% 17.07% 88.87% 15.31% -4.86% 15.55% 4.08% 5.73% -5.86% 41.78%
NOPAT Growth		 -7.06% 31.97% 8.36% 26.06% 10.05% -1.88% 12.75% 4.18% 7.45% -6.64% 37.04%
Net Income Growth		 -7.06% 31.97% 8.36% 24.34% 11.57% -1.88% 12.75% 4.18% 7.45% -6.64% 37.04%
EPS Growth		 -7.88% 9.63% 8.78% 24.22% 11.55% -2.27% 12.91% 4.11% 7.61% -6.54% 36.97%
Operating Cash Flow Growth		 -13.07% 37.20% 62.85% -0.53% 5.46% -14.33% 79.36% -23.58% -14.32% 57.77% -4.75%
Free Cash Flow Firm Growth		 -267.25% 145.95% -239.92% 286.80% -118.32% 37.49% 597.17% 392.06% -170.89% 183.72% -128.31%
Invested Capital Growth		 30.18% 1.79% 20.05% -5.59% 15.11% 11.93% 2.88% -25.16% 48.76% -9.57% 20.22%
Revenue Q/Q Growth		 2.59% -11.86% 1.74% 35.78% 0.00% 0.53% -0.58% 4.51% -1.56% 2.27% 4.81%
EBITDA Q/Q Growth		 -0.44% -31.81% -1.90% 166.76% 179.33% 4.83% -1.32% 4.90% -0.87% 1.69% 8.80%
EBIT Q/Q Growth		 -1.35% -43.53% -2.96% 423.94% 154.64% 6.35% -1.94% 7.52% -4.78% 2.59% 11.38%
NOPAT Q/Q Growth		 -2.78% 10.17% -2.02% 57.46% 0.00% 7.75% -2.67% 6.44% -3.25% 1.29% 10.96%
Net Income Q/Q Growth		 -2.78% 10.17% -2.02% 10.88% -0.89% 4.64% -0.30% 6.44% -3.25% 1.29% 10.96%
EPS Q/Q Growth		 -3.61% 7.33% -1.76% 10.36% -0.64% 4.14% -0.29% 6.93% -3.54% 1.42% 10.88%
Operating Cash Flow Q/Q Growth		 -23.61% 6.76% 16.68% 9.66% 27.35% -20.02% 16.23% -9.81% -18.31% 16.15% 5.81%
Free Cash Flow Firm Q/Q Growth		 -688.49% 143.09% -930.41% 44.87% 83.05% 1.01% 53.34% -15.14% -9.83% 212.32% -120.84%
Invested Capital Q/Q Growth		 25.01% -3.64% 6.64% 5.67% 2.01% 2.46% -0.46% 9.56% 8.17% -23.78% 4.04%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.77% 29.36% 32.24% 41.77% 42.10% 42.35% 45.93% 43.88% 46.55% 42.67% 49.46%
EBIT Margin		 31.42% 19.53% 21.25% 32.13% 33.50% 32.26% 36.10% 35.35% 35.65% 32.61% 39.55%
Profit (Net Income) Margin		 22.82% 27.53% 27.72% 27.60% 27.84% 27.65% 30.19% 29.59% 30.32% 27.51% 32.25%
Tax Burden Percent		 72.63% 73.16% 70.60% 85.89% 83.88% 85.70% 83.62% 83.70% 85.06% 84.36% 82.27%
Interest Burden Percent		 100.00% 192.66% 184.79% 100.00% 99.08% 100.00% 100.00% 100.00% 100.00% 100.00% 99.10%
Effective Tax Rate		 27.37% 26.84% 29.40% 12.92% 16.12% 14.30% 16.38% 16.30% 14.94% 15.64% 17.73%
Return on Invested Capital (ROIC)		 7.91% 9.15% 8.93% 10.61% 11.18% 9.67% 10.18% 11.96% 12.07% 9.90% 12.97%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 8.93% 8.05% 0.00% 0.00% 0.00% 0.00% 12.07% 9.90% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.57% 0.48% 0.00% 0.00% 0.00% 0.00% 1.36% 0.97% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 9.50% 11.10% 0.00% 0.00% 0.00% 0.00% 13.43% 10.86% 0.00%
Cash Return on Invested Capital (CROIC)		 -18.31% 7.37% -9.29% 16.37% -2.87% -1.58% 7.34% 40.75% -27.13% 19.94% -5.40%
Operating Return on Assets (OROA)		 1.21% 0.67% 0.76% 1.39% 1.53% 1.28% 1.26% 1.23% 1.30% 1.21% 1.63%
Return on Assets (ROA)		 0.88% 0.94% 0.99% 1.19% 1.28% 1.10% 1.05% 1.03% 1.11% 1.02% 1.33%
Return on Common Equity (ROCE)		 0.00% 0.00% 9.49% 11.08% 0.00% 0.00% 0.00% 0.00% 13.42% 10.85% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 7.00% 9.08% 9.21% 10.79% 10.46% 9.17% 10.05% 13.99% 12.17% 10.43% 11.89%
Net Operating Profit after Tax (NOPAT)		 5.21 6.88 7.45 9.39 10 10 11 12 13 12 16
NOPAT Margin		 22.82% 27.53% 27.72% 27.98% 27.84% 27.65% 30.19% 29.59% 30.32% 27.51% 32.25%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 2.56% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.31% 59.62% 58.84% 50.10% 50.66% 51.86% 53.09% 51.74% 50.83% 51.41% 47.85%
Operating Expenses to Revenue		 68.36% 77.89% 75.35% 64.39% 62.66% 62.83% 64.75% 62.29% 61.65% 64.05% 58.20%
Earnings before Interest and Taxes (EBIT)		 7.18 4.88 5.71 11 12 12 14 14 15 14 20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.62 7.33 8.67 14 16 16 17 18 20 19 25
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 1.11 1.20 1.35 2.06 1.56 1.03 0.88 0.82 0.94 1.42
Price to Tangible Book Value (P/TBV)		 0.00 1.23 1.33 1.48 2.22 1.66 1.10 0.96 0.88 0.99 1.49
Price to Revenue (P/Rev)		 0.00 3.36 3.63 3.46 5.48 4.69 3.11 1.86 2.05 2.47 3.86
Price to Earnings (P/E)		 0.00 12.22 13.10 12.38 19.72 16.99 10.31 6.29 6.78 8.98 11.97
Dividend Yield		 4.27% 3.34% 2.94% 2.66% 1.57% 1.88% 2.98% 4.68% 4.17% 3.50% 2.05%
Earnings Yield		 0.00% 8.18% 7.63% 8.08% 5.07% 5.89% 9.70% 15.89% 14.74% 11.13% 8.35%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.31 0.80 0.78 1.47 0.00 0.00 0.06 0.52 0.00 0.42
Enterprise Value to Revenue (EV/Rev)		 0.00 0.93 2.69 2.01 3.93 0.00 0.00 0.13 1.56 0.00 1.13
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 3.18 8.35 4.81 9.33 0.00 0.00 0.29 3.35 0.00 2.28
Enterprise Value to EBIT (EV/EBIT)		 0.00 4.79 12.68 6.25 11.72 0.00 0.00 0.35 4.37 0.00 2.85
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 3.40 9.72 7.18 14.11 0.00 0.00 0.42 5.14 0.00 3.50
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 2.83 5.40 5.05 10.36 0.00 0.00 0.30 4.64 0.00 2.69
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 4.21 0.00 4.66 0.00 0.00 0.00 0.12 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.12 0.00 0.00 0.00 0.00 0.00 0.20 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.12 0.00 0.00 0.00 0.00 0.00 0.20 0.00 0.00
Financial Leverage		 0.00 0.00 0.06 0.06 0.00 0.00 0.00 0.00 0.11 0.10 0.00
Leverage Ratio		 9.02 9.71 9.58 9.30 8.77 8.80 9.68 11.59 12.11 10.66 9.74
Compound Leverage Factor		 9.02 18.70 17.70 9.30 8.69 8.80 9.68 11.59 12.11 10.66 9.65
Debt to Total Capital		 0.00% 0.00% 10.98% 0.00% 0.00% 0.00% 0.00% 0.00% 16.95% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 10.98% 0.00% 0.00% 0.00% 0.00% 0.00% 16.95% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.15% 0.15% 0.12% 0.13% 0.11% 0.10% 0.10% 0.13% 0.09% 0.10% 0.08%
Common Equity to Total Capital		 99.85% 99.85% 88.89% 99.87% 99.89% 99.90% 99.90% 99.87% 82.96% 99.90% 99.92%
Debt to EBITDA		 0.00 0.00 1.15 0.00 0.00 0.00 0.00 0.00 1.09 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 -2.90 0.00 0.00 0.00 0.00 0.00 -1.07 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 1.15 0.00 0.00 0.00 0.00 0.00 1.09 0.00 0.00
Debt to NOPAT		 0.00 0.00 1.34 0.00 0.00 0.00 0.00 0.00 1.68 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 -3.38 0.00 0.00 0.00 0.00 0.00 -1.65 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 1.34 0.00 0.00 0.00 0.00 0.00 1.68 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.17% 0.15% 0.14% 0.13% 0.12% 0.11% 0.10% 0.11% 0.12% 0.10% 0.09%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -12 5.54 -7.76 14 -2.65 -1.66 8.25 41 -29 24 -6.82
Operating Cash Flow to CapEx		 562.36% 421.27% 1,058.28% 3,320.40% 473.49% 2,003.32% 9,700.00% 3,983.37% 2,258.85% 3,147.18% 1,574.26%
Free Cash Flow to Firm to Interest Expense		 -12.02 3.14 -5.57 8.99 -1.35 -1.06 7.31 25.46 -3.19 1.64 -0.46
Operating Cash Flow to Interest Expense		 5.98 4.67 9.64 8.29 7.18 7.73 19.18 10.37 1.57 1.52 1.45
Operating Cash Flow Less CapEx to Interest Expense		 4.92 3.56 8.73 8.04 5.67 7.34 18.98 10.11 1.50 1.47 1.36
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.04 0.04 0.05 0.04 0.03 0.03 0.04 0.04 0.04
Fixed Asset Turnover		 1.89 1.74 1.80 2.28 2.41 2.27 2.43 2.70 2.90 3.04 3.56
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 75 76 91 86 99 111 114 85 127 115 138
Invested Capital Turnover		 0.35 0.33 0.32 0.38 0.40 0.35 0.34 0.40 0.40 0.36 0.40
Increase / (Decrease) in Invested Capital		 17 1.33 15 -5.09 13 12 3.19 -29 42 -12 23
Enterprise Value (EV)		 0.00 23 72 67 146 -10 -60 5.04 66 -1.22 57
Market Capitalization		 0.00 84 97 116 204 172 118 75 87 107 196
Book Value per Share		 $26.73 $22.69 $24.26 $25.58 $29.38 $32.77 $33.74 $25.26 $31.41 $34.19 $41.16
Tangible Book Value per Share		 $23.90 $20.37 $21.98 $23.36 $27.22 $30.66 $31.66 $23.23 $29.41 $32.23 $39.23
Total Capital		 75 76 91 86 99 111 114 85 127 115 138
Total Debt		 0.00 0.00 10 0.00 0.00 0.00 0.00 0.00 22 0.00 0.00
Total Long-Term Debt		 0.00 0.00 10 0.00 0.00 0.00 0.00 0.00 22 0.00 0.00
Net Debt		 -126 -61 -25 -49 -58 -182 -177 -70 -21 -109 -139
Capital Expenditures (CapEx)		 1.07 1.96 1.27 0.40 2.97 0.60 0.22 0.42 0.63 0.71 1.35
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 10 0.00 0.00 0.00 0.00 0.00 22 0.00 0.00
Total Depreciation and Amortization (D&A)		 1.45 2.46 2.96 3.23 3.20 3.70 3.72 3.44 4.60 4.37 5.04
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.87 $2.05 $2.24 $2.78 $3.10 $3.03 $3.41 $3.55 $3.82 $3.57 $4.89
Adjusted Weighted Average Basic Shares Outstanding		 3.34M 3.34M 3.36M 3.36M 3.38M 3.38M 3.37M 3.36M 3.35M 3.36M 3.35M
Adjusted Diluted Earnings per Share		 $1.87 $2.05 $2.23 $2.77 $3.09 $3.02 $3.41 $3.55 $3.82 $3.57 $4.89
Adjusted Weighted Average Diluted Shares Outstanding		 3.34M 3.34M 3.36M 3.36M 3.38M 3.38M 3.37M 3.36M 3.35M 3.36M 3.35M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 3.34M 3.34M 3.36M 3.36M 3.38M 3.38M 3.37M 3.36M 3.35M 3.36M 3.35M
Normalized Net Operating Profit after Tax (NOPAT)		 5.94 6.88 7.45 9.39 10 10 11 12 13 12 16
Normalized NOPAT Margin		 26.01% 27.53% 27.72% 27.98% 27.84% 27.65% 30.19% 29.59% 30.32% 27.51% 32.25%
Pre Tax Income Margin		 31.42% 37.63% 39.26% 32.13% 33.19% 32.26% 36.10% 35.35% 35.65% 32.61% 39.19%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 7.15 2.77 4.10 6.70 6.35 7.58 12.13 8.93 1.67 0.97 1.37
NOPAT to Interest Expense		 5.19 3.90 5.35 5.83 5.27 6.50 10.14 7.47 1.42 0.81 1.11
EBIT Less CapEx to Interest Expense		 6.08 1.66 3.19 6.45 4.83 7.20 11.93 8.67 1.60 0.92 1.27
NOPAT Less CapEx to Interest Expense		 4.13 2.79 4.44 5.58 3.76 6.11 9.94 7.21 1.35 0.77 1.02
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 47.00% 40.96% 38.69% 33.47% 31.04% 32.09% 30.79% 29.54% 28.38% 31.52% 24.63%
Augmented Payout Ratio		 47.19% 41.46% 38.90% 33.81% 31.06% 32.22% 31.14% 29.54% 32.30% 31.87% 28.16%

Quarterly Metrics And Ratios for First Capital

This table displays calculated financial ratios and metrics derived from First Capital's official financial filings.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
DEI Shares Outstanding		 3,353,810.00 3,353,332.00 3,352,003.00 - 3,355,353.00 3,355,353.00 3,355,118.00 3,347,627.00 3,345,531.00 3,345,531.00 3,344,625.00
DEI Adjusted Shares Outstanding		 3,353,810.00 3,353,332.00 3,352,003.00 - 3,355,353.00 3,355,353.00 3,355,118.00 3,347,627.00 3,345,531.00 3,345,531.00 3,344,625.00
DEI Earnings Per Adjusted Shares Outstanding		 0.88 0.84 0.87 - 0.97 1.13 1.34 1.46 1.30 1.42 1.53
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -6.11% 4.96% 4.21% 9.28% 8.86% 16.39% 21.39% 20.56% 18.25% 14.95% 11.60%
EBITDA Growth		 -13.88% 9.52% -19.28% 6.20% 3.88% 42.00% 58.86% 38.55% 28.36% 12.09% 2.21%
EBIT Growth		 -24.54% 5.10% -7.41% 9.97% 12.94% 39.46% 61.37% 51.96% 38.41% 29.66% 14.18%
NOPAT Growth		 -22.62% 3.74% -7.64% 4.88% 9.58% 33.40% 54.46% 49.56% 33.82% 26.12% 13.97%
Net Income Growth		 -22.62% 3.74% -7.64% 4.88% 9.58% 33.40% 54.46% 49.56% 33.82% 26.12% 13.97%
EPS Growth		 -22.81% 3.66% -7.45% 5.43% 10.23% 32.94% 54.02% 49.48% 34.02% 26.55% 14.18%
Operating Cash Flow Growth		 37.40% 44.54% 36.75% 324.66% -39.23% 6.95% 4.76% 28.74% 44.54% 14.15% -4.55%
Free Cash Flow Firm Growth		 -784.91% -95.83% 16.38% 140.04% 153.14% 165.94% 173.95% -218.94% -160.54% -166.23% -91.82%
Invested Capital Growth		 48.12% 34.30% 28.35% -9.57% -13.82% -12.85% -11.93% 20.22% 14.94% 15.66% 2.47%
Revenue Q/Q Growth		 1.16% 1.72% 2.29% 3.82% 0.77% 8.76% 6.69% 3.11% -1.16% 6.11% 3.55%
EBITDA Q/Q Growth		 -7.05% -7.56% 2.72% 20.33% -9.08% 26.36% 14.92% 4.94% -15.77% 11.18% 4.68%
EBIT Q/Q Growth		 -3.59% -4.10% 3.55% 14.86% -0.99% 18.41% 19.83% 8.17% -9.82% 12.03% 5.33%
NOPAT Q/Q Growth		 -5.08% -4.16% 2.44% 12.55% -0.83% 16.68% 18.61% 8.97% -11.26% 9.97% 7.18%
Net Income Q/Q Growth		 -5.08% -4.16% 2.44% 12.55% -0.83% 16.68% 18.61% 8.97% -11.26% 9.97% 7.18%
EPS Q/Q Growth		 -4.35% -3.41% 2.35% 11.49% 0.00% 16.49% 18.58% 8.21% -10.34% 10.00% 6.99%
Operating Cash Flow Q/Q Growth		 654.34% -51.77% 117.69% -46.39% 7.95% -15.11% 113.24% -34.11% 21.20% -32.96% 78.31%
Free Cash Flow Firm Q/Q Growth		 -10.12% 21.37% 8.88% 150.75% 46.17% -2.43% 2.19% -181.62% 25.60% -6.74% 112.62%
Invested Capital Q/Q Growth		 9.95% 1.45% 6.38% -23.78% 4.78% 2.59% 7.50% 4.04% 0.18% 3.23% -4.76%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.97% 39.95% 40.12% 46.50% 41.95% 48.75% 52.50% 53.44% 45.54% 47.72% 48.24%
EBIT Margin		 32.97% 31.09% 31.47% 34.82% 34.21% 37.25% 41.83% 43.89% 40.04% 42.28% 43.00%
Profit (Net Income) Margin		 28.15% 26.52% 26.55% 28.79% 28.33% 30.39% 33.79% 35.71% 32.06% 33.23% 34.39%
Tax Burden Percent		 85.36% 85.30% 84.38% 82.68% 82.81% 81.60% 80.77% 83.89% 80.79% 79.23% 80.58%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 97.00% 99.09% 99.19% 99.25%
Effective Tax Rate		 14.64% 14.70% 15.62% 17.32% 17.19% 18.40% 19.23% 16.11% 19.21% 20.77% 19.42%
Return on Invested Capital (ROIC)		 10.01% 9.03% 8.43% 10.36% 9.68% 10.59% 11.57% 14.36% 13.12% 13.68% 14.43%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.01% 9.03% 8.43% 10.36% 9.68% 10.59% 11.57% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 1.68% 2.10% 2.52% 1.01% 1.44% 1.54% 1.56% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 11.69% 11.14% 10.94% 11.37% 11.12% 12.13% 13.13% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 -28.57% -19.52% -16.02% 19.94% 24.27% 23.69% 23.12% -5.40% -0.37% -0.64% 11.79%
Operating Return on Assets (OROA)		 1.20% 1.13% 1.15% 1.29% 1.28% 1.43% 1.67% 1.81% 1.70% 1.83% 1.93%
Return on Assets (ROA)		 1.02% 0.96% 0.97% 1.07% 1.06% 1.17% 1.35% 1.48% 1.36% 1.44% 1.54%
Return on Common Equity (ROCE)		 11.68% 11.12% 10.93% 11.36% 11.11% 12.12% 13.12% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 11.29% 11.17% 10.11% 0.00% 10.19% 10.70% 11.15% 0.00% 12.66% 12.95% 14.07%
Net Operating Profit after Tax (NOPAT)		 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33 4.77 5.11
NOPAT Margin		 28.15% 26.52% 26.55% 28.79% 28.33% 30.39% 33.79% 35.71% 32.06% 33.23% 34.39%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.10% 52.77% 51.61% 49.30% 51.68% 49.03% 46.97% 44.41% 45.42% 44.98% 45.34%
Operating Expenses to Revenue		 64.36% 65.54% 64.29% 62.13% 62.83% 60.29% 57.04% 53.55% 57.37% 54.76% 54.61%
Earnings before Interest and Taxes (EBIT)		 3.46 3.32 3.44 3.95 3.91 4.63 5.55 6.00 5.41 6.06 6.39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.62 4.27 4.38 5.27 4.80 6.06 6.96 7.31 6.16 6.84 7.16
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.85 0.88 0.96 0.94 1.03 1.10 1.14 1.42 1.20 1.52 1.52
Price to Tangible Book Value (P/TBV)		 0.91 0.94 1.01 0.99 1.09 1.16 1.20 1.49 1.26 1.59 1.59
Price to Revenue (P/Rev)		 2.16 2.26 2.63 2.47 2.80 2.93 3.12 3.86 3.12 3.95 3.66
Price to Earnings (P/E)		 7.52 7.91 9.48 8.98 10.16 10.27 10.25 11.97 9.46 11.72 10.80
Dividend Yield		 0.00% 3.81% 3.30% 3.50% 3.08% 2.88% 2.62% 2.05% 2.47% 1.92% 2.03%
Earnings Yield		 13.29% 12.65% 10.55% 11.13% 9.84% 9.73% 9.76% 8.35% 10.57% 8.53% 9.26%
Enterprise Value to Invested Capital (EV/IC)		 0.56 0.53 0.35 0.00 0.04 0.00 0.28 0.42 0.10 0.46 0.48
Enterprise Value to Revenue (EV/Rev)		 1.88 1.79 1.24 0.00 0.11 0.00 0.76 1.13 0.27 1.19 1.17
Enterprise Value to EBITDA (EV/EBITDA)		 4.13 3.91 2.90 0.00 0.27 0.00 1.60 2.28 0.55 2.40 2.40
Enterprise Value to EBIT (EV/EBIT)		 5.61 5.35 3.83 0.00 0.34 0.00 2.04 2.85 0.67 2.84 2.77
Enterprise Value to NOPAT (EV/NOPAT)		 6.55 6.25 4.48 0.00 0.41 0.00 2.50 3.50 0.83 3.54 3.45
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.85 4.38 2.75 0.00 0.26 0.00 1.83 2.69 0.62 2.75 2.81
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.16 0.00 1.13 0.00 0.00 0.00 4.16
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.32 0.31 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.32 0.31 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.17 0.23 0.30 0.10 0.15 0.15 0.13 0.00 0.00 0.00 0.00
Leverage Ratio		 11.46 11.58 11.31 10.66 10.49 10.41 9.72 9.74 9.67 9.52 9.35
Compound Leverage Factor		 11.46 11.58 11.31 10.66 10.49 10.41 9.72 9.44 9.58 9.45 9.28
Debt to Total Capital		 24.11% 23.77% 22.34% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 24.11% 23.77% 22.34% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.08% 0.07% 0.07% 0.10% 0.10% 0.09% 0.08% 0.08% 0.08% 0.07% 0.08%
Common Equity to Total Capital		 75.81% 76.16% 77.59% 99.90% 99.90% 99.91% 99.92% 99.92% 99.92% 99.93% 99.92%
Debt to EBITDA		 1.78 1.74 1.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 -0.62 -1.03 -3.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 1.78 1.74 1.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 2.82 2.79 2.85 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 -0.98 -1.65 -5.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 2.82 2.79 2.85 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.12% 0.10% 0.10% 0.10% 0.10% 0.09% 0.09% 0.09% 0.09% 0.08% 0.08%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -42 -33 -30 15 23 22 22 -18 -14 -15 1.84
Operating Cash Flow to CapEx		 4,540.25% 2,290.79% 9,132.53% 1,258.20% 1,994.09% 1,384.39% 4,812.73% 749.57% 1,296.73% 603.84% 946.32%
Free Cash Flow to Firm to Interest Expense		 -13.08 -9.35 -7.40 4.07 5.98 6.05 6.06 -5.08 -3.89 -4.11 0.51
Operating Cash Flow to Interest Expense		 2.23 0.98 1.85 1.07 1.17 1.03 2.15 1.45 1.81 1.20 2.12
Operating Cash Flow Less CapEx to Interest Expense		 2.18 0.94 1.83 0.99 1.11 0.95 2.10 1.26 1.67 1.00 1.89
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.87 2.92 2.97 3.04 3.12 3.25 3.46 3.56 3.69 3.76 3.83
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 139 141 151 115 120 123 133 138 138 143 136
Invested Capital Turnover		 0.36 0.34 0.32 0.36 0.34 0.35 0.34 0.40 0.41 0.41 0.42
Increase / (Decrease) in Invested Capital		 45 36 33 -12 -19 -18 -18 23 18 19 3.27
Enterprise Value (EV)		 78 75 53 -1.22 5.02 -1.41 37 57 14 65 66
Market Capitalization		 90 95 112 107 124 135 151 196 165 216 206
Book Value per Share		 $31.52 $32.13 $34.84 $34.19 $35.82 $36.72 $39.47 $41.16 $41.23 $42.60 $40.58
Tangible Book Value per Share		 $29.54 $30.16 $32.87 $32.23 $33.88 $34.79 $37.55 $39.23 $39.30 $40.66 $38.64
Total Capital		 139 141 151 115 120 123 133 138 138 143 136
Total Debt		 34 34 34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 34 34 34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -12 -20 -59 -109 -119 -137 -114 -139 -151 -151 -140
Capital Expenditures (CapEx)		 0.16 0.15 0.08 0.32 0.22 0.27 0.17 0.70 0.49 0.70 0.80
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 34 34 34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 1.15 0.95 0.95 1.33 0.89 1.43 1.42 1.31 0.74 0.78 0.78
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.88 $0.85 $0.87 $0.97 $0.97 $1.13 $1.34 $1.45 $1.30 $1.43 $1.53
Adjusted Weighted Average Basic Shares Outstanding		 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M 3.34M 3.34M
Adjusted Diluted Earnings per Share		 $0.88 $0.85 $0.87 $0.97 $0.97 $1.13 $1.34 $1.45 $1.30 $1.43 $1.53
Adjusted Weighted Average Diluted Shares Outstanding		 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M 3.34M 3.34M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M 3.34M 3.34M
Normalized Net Operating Profit after Tax (NOPAT)		 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33 4.77 5.11
Normalized NOPAT Margin		 28.15% 26.52% 26.55% 28.79% 28.33% 30.39% 33.79% 35.71% 32.06% 33.23% 34.39%
Pre Tax Income Margin		 32.97% 31.09% 31.47% 34.82% 34.21% 37.25% 41.83% 42.57% 39.68% 41.94% 42.68%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.07 0.93 0.84 1.04 1.04 1.28 1.50 1.67 1.54 1.72 1.78
NOPAT to Interest Expense		 0.91 0.80 0.71 0.86 0.86 1.04 1.21 1.36 1.24 1.35 1.43
EBIT Less CapEx to Interest Expense		 1.02 0.89 0.82 0.96 0.98 1.20 1.45 1.47 1.40 1.52 1.56
NOPAT Less CapEx to Interest Expense		 0.86 0.75 0.69 0.78 0.80 0.97 1.17 1.16 1.10 1.15 1.20
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 30.42% 30.16% 31.34% 31.52% 31.36% 29.61% 26.89% 24.63% 23.46% 22.55% 21.97%
Augmented Payout Ratio		 31.89% 30.27% 31.69% 31.87% 31.77% 29.89% 27.31% 28.16% 26.71% 25.72% 24.76%

Financials Breakdown Chart

Key Financial Trends

First Capital’s recent financial statements show a steadily expanding and increasingly profitable institution. Total revenue rose from $10.5 million in Q3 2023 to $14.3 million in Q2 2026. Over the same period, net income attributable to common shareholders increased from $3.1 million to $4.8 million, while diluted EPS advanced from $0.94 to $1.43. The latest quarter also showed strong year-over-year momentum, with revenue up approximately 15% and net income up approximately 26% from Q2 2025.

Net interest income has been the primary growth driver. It increased from $8.5 million in Q3 2023 to $12.1 million in Q2 2026, supported by higher interest income from loans, investment securities and deposits. Although First Capital reports no net loans and leases in the standardized balance sheet data, its investment securities and other interest-earning assets remain substantial. Net interest income also grew approximately 16% year over year in Q2 2026.

The balance sheet has expanded consistently. Total assets reached $1.29 billion in Q2 2026, up from $1.14 billion in Q3 2023. Deposits, which represent the company’s primary funding source, increased to approximately $1.14 billion from $1.03 billion over the same comparison period. Total equity rose to $142.6 million, and the equity-to-assets ratio improved to roughly 11.1%, compared with approximately 7.8% in Q3 2023.

Cash generation remains positive, although quarterly cash flows are volatile. First Capital produced $4.3 million of operating cash flow in Q2 2026 and $6.3 million in Q1 2026. The company continued to invest in securities, resulting in negative investing cash flow, while dividends and modest share repurchases contributed to negative financing cash flow in the latest quarter. Overall cash and equivalents increased by $172,000 during Q2 2026.

  • Improving earnings trend: Common net income increased from $3.1 million in Q3 2023 to $4.8 million in Q2 2026, while diluted EPS rose from $0.94 to $1.43.
  • Strong recent revenue growth: Q2 2026 revenue increased approximately 15% year over year, driven primarily by higher net interest income.
  • Expanding net interest income: Net interest income reached $12.1 million in Q2 2026, up from $10.4 million in Q2 2025 and $8.5 million in Q3 2023.
  • Improved capital position: Total equity increased to $142.6 million in Q2 2026, and equity represented approximately 11.1% of total assets.
  • Consistent operating cash generation: Operating cash flow remained positive in every reported quarter, including $4.3 million in Q2 2026.
  • Growing shareholder distributions: The quarterly dividend increased to $0.31 per share in 2026 from $0.27 per share in 2024, while Q2 2026 earnings comfortably covered the dividend.
  • Asset growth is concentrated in financial investments: Trading account securities totaled $415.2 million and interest-bearing deposits at other banks totaled $130.2 million in Q2 2026. This provides liquidity but may expose results to interest-rate and market-value fluctuations.
  • Cash-flow results are uneven: Net cash increased by $172,000 in Q2 2026, compared with $12.4 million in Q1 2026 and $18.0 million in Q2 2025, reflecting changes in investment purchases and deposit flows.
  • Credit-loss provisions are rising: The provision for credit losses increased to $425,000 in Q2 2026 from $306,000 in Q2 2025, which could pressure earnings if the trend continues.
  • Operating costs remain significant: Non-interest expense increased to $7.9 million in Q2 2026 from $7.5 million in Q2 2025. Salaries and employee benefits were the largest expense category at $4.5 million.

Overall, the statements point to positive earnings, balance-sheet and capital trends, but investors should monitor credit-loss provisions, expense growth and the company’s sizable investment portfolio. Some historical income statement figures were marked as restated, so comparisons with earlier periods should be interpreted with appropriate caution.

11/15/26 04:29 AM ETAI Generated. May Contain Errors.

First Capital Financials - Frequently Asked Questions

According to the most recent income statement we have on file, First Capital's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

First Capital's net income appears to be on an upward trend, with a most recent value of $16.38 million in 2025, rising from $5.21 million in 2015. The previous period was $11.95 million in 2024. Check out First Capital's forecast to explore projected trends and price targets.

Over the last 10 years, First Capital's total revenue changed from $22.83 million in 2015 to $50.80 million in 2025, a change of 122.5%.

In the past 12 quarters, First Capital's cash and equivalents has ranged from $18.03 million in Q3 2023 to $26.25 million in Q2 2025, and is currently $22.80 million as of their latest financial filing in Q3 2026.

First Capital had total debt of $0.00 at the end of 2025, compared with none in 2024, and none in 2015.

Over the last 10 years, First Capital's book value per share changed from 26.73 in 2015 to 41.16 in 2025, a change of 54.0%.


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Financial statements for NASDAQ:FCAP last updated on 11/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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