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First Capital (FCAP) Financials

First Capital logo
$63.05 -0.64 (-1.00%)
Closing price 04:00 PM Eastern
Extended Trading
$62.79 -0.26 (-0.41%)
As of 05:03 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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 3.14 3.11 2.95 2.83 2.90 3.26 3.24 3.78 4.48 4.88 4.33
Consolidated Net Income / (Loss)		 3.14 3.11 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33
Net Income / (Loss) Continuing Operations		 3.14 3.11 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33
Total Pre-Tax Income 		3.71 3.59 3.46 3.32 3.44 3.95 3.91 4.63 5.55 5.82 5.36
Total Revenue		 10 10 10 11 11 11 11 12 13 14 14
Net Interest Income / (Expense)		 8.54 8.55 8.60 8.66 9.13 9.41 9.58 10 11 11 11
Total Interest Income		 11 12 12 12 13 13 13 14 15 15 15
Loans and Leases Interest Income		 8.57 9.07 9.24 9.47 9.72 9.85 9.77 10 10 10 10
Investment Securities Interest Income		 2.27 2.31 2.35 2.42 2.39 2.40 2.51 2.67 2.97 3.28 3.44
Deposits and Money Market Investments Interest Income		 - - - 0.33 1.12 - 1.06 1.12 1.28 1.04 1.04
Total Interest Expense		 2.64 3.09 3.24 3.56 4.10 3.78 3.77 3.63 3.70 3.60 3.51
Deposits Interest Expense		 2.43 2.66 2.81 3.10 3.69 3.63 3.77 3.63 3.70 3.60 3.51
Total Non-Interest Income		 1.95 1.83 1.90 2.02 1.80 1.93 1.85 2.02 2.31 2.29 2.05
Other Service Charges		 0.10 0.12 0.13 0.08 0.07 0.05 0.10 0.12 0.09 0.10 0.10
Net Realized & Unrealized Capital Gains on Investments		 0.06 -0.03 0.07 0.16 -0.07 0.06 0.05 0.11 0.35 0.33 0.22
Other Non-Interest Income		 1.79 1.74 1.70 1.78 1.80 1.82 1.70 1.78 1.87 2.04 1.78
Provision for Credit Losses		 0.29 0.31 0.28 0.36 0.46 0.35 0.34 0.31 0.15 0.35 0.35
Total Non-Interest Expense		 6.48 6.48 6.76 7.00 7.02 7.05 7.18 7.49 7.56 7.32 7.75
Salaries and Employee Benefits		 3.73 3.68 3.84 3.96 3.89 3.84 4.10 4.27 4.09 4.34 4.34
Net Occupancy & Equipment Expense		 1.55 1.58 1.54 1.60 1.64 1.67 1.73 1.71 1.99 1.59 1.73
Marketing Expense		 0.06 0.09 0.09 0.08 0.11 0.08 0.07 0.12 0.15 0.14 0.07
Other Operating Expenses		 1.14 1.14 1.29 1.36 1.39 1.46 1.27 1.40 1.34 1.25 1.61
Income Tax Expense		 0.57 0.48 0.51 0.49 0.54 0.68 0.67 0.85 1.07 0.94 1.03
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		 $0.94 $0.92 $0.88 $0.85 $0.87 $0.97 $0.97 $1.13 $1.34 $1.45 $1.30
Weighted Average Basic Shares Outstanding		 3.35M 3.35M 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M
Diluted Earnings per Share		 $0.94 $0.92 $0.88 $0.85 $0.87 $0.97 $0.97 $1.13 $1.34 $1.45 $1.30
Weighted Average Diluted Shares Outstanding		 3.35M 3.35M 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M
Weighted Average Basic & Diluted Shares Outstanding		 3.35M 3.35M 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M
Cash Dividends to Common per Share		 $0.27 $0.27 $0.27 $0.27 $0.29 $0.29 $0.29 $0.29 $0.31 $0.31 $0.31

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 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
Net Change in Cash & Equivalents		 -16 7.24 3.42 8.48 39 16 11 18 -22 25 12
Net Cash From Operating Activities		 5.54 0.96 7.22 3.48 7.58 4.06 4.39 3.72 7.94 5.23 6.34
Net Cash From Continuing Operating Activities		 5.54 0.96 7.22 3.48 7.58 4.06 4.39 3.72 7.94 5.23 6.34
Net Income / (Loss) Continuing Operations		 3.14 3.11 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33
Consolidated Net Income / (Loss)		 3.14 3.11 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33
Provision For Loan Losses		 0.29 0.31 0.28 0.36 0.46 0.35 0.34 0.31 0.15 0.35 0.35
Depreciation Expense		 0.26 0.26 0.27 0.27 0.27 0.29 0.28 0.28 0.27 0.26 0.28
Amortization Expense		 1.46 1.11 0.89 0.68 0.67 1.04 0.60 1.15 1.15 1.05 0.46
Non-Cash Adjustments to Reconcile Net Income		 -0.39 0.26 -0.10 -1.51 1.53 0.16 0.10 -1.16 0.52 -1.55 1.26
Changes in Operating Assets and Liabilities, net		 0.78 -4.10 2.93 0.85 1.74 -1.04 -0.17 -0.63 1.38 0.24 -0.34
Net Cash From Investing Activities		 -11 5.97 0.10 1.78 17 10 -10 -11 -13 -6.82 -6.53
Net Cash From Continuing Investing Activities		 -11 5.97 0.10 1.78 17 10 -10 -11 -13 -6.82 -6.53
Purchase of Property, Leasehold Improvements and Equipment		 -0.15 -0.19 -0.16 -0.15 -0.08 -0.32 -0.22 -0.27 -0.17 -0.70 -0.49
Purchase of Investment Securities		 -32 -19 -34 -17 -14 -17 -43 -31 -48 -44 -57
Sale and/or Maturity of Investments		 14 42 34 -3.41 53 10 33 -6.01 60 37 33
Other Investing Activities, net		 8.23 -17 0.74 23 -22 17 0.00 26 -26 0.74 18
Net Cash From Financing Activities		 -11 0.32 -3.90 3.22 15 1.58 16 26 -17 27 13
Net Cash From Continuing Financing Activities		 -11 0.32 -3.90 3.22 15 1.58 16 26 -17 27 13
Net Change in Deposits		 -25 7.72 -15 4.15 16 36 17 27 -16 28 14
Repurchase of Common Equity		 - - 0.00 -0.01 -0.03 - -0.01 - -0.05 -0.52 0.00
Payment of Dividends		 -0.91 -0.90 -0.91 -0.92 -0.97 -0.97 -0.97 -0.99 -1.04 -1.04 -1.04

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
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
Total Assets		 1,143 1,157 1,164 1,189 1,215 1,243 1,235 1,284
Cash and Due from Banks		 18 20 23 21 26 26 21 22
Interest Bearing Deposits at Other Banks		 5.39 4.90 4.61 8.37 93 111 94 129
Trading Account Securities		 448 436 423 416 399 404 430 416
Loans and Leases, Net of Allowance		 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
Goodwill		 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
Total Liabilities & Shareholders' Equity		 1,143 1,157 1,164 1,189 1,215 1,243 1,235 1,284
Total Liabilities		 1,053 1,051 1,056 1,072 1,094 1,119 1,103 1,146
Non-Interest Bearing Deposits		 234 209 204 200 204 209 213 219
Interest Bearing Deposits		 783 801 810 830 880 902 881 918
Accrued Interest Payable		 1.51 1.40 2.35 2.50 1.76 2.21 2.12 2.16
Other Long-Term Liabilities		 6.45 5.60 5.51 6.04 8.66 6.54 6.08 7.27
Total Equity & Noncontrolling Interests		 89 106 108 117 120 123 133 138
Total Preferred & Common Equity		 89 106 108 117 120 123 132 138
Preferred Stock		 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
Common Stock		 42 42 42 42 42 42 42 42
Retained Earnings		 95 99 101 103 108 110 114 121
Treasury Stock		 -9.22 -9.22 -9.23 -9.27 -9.29 -9.29 -9.35 -9.88
Accumulated Other Comprehensive Income / (Loss)		 -38 -26 -26 -19 -20 -20 -14 -15
Other Equity Adjustments		 -0.30 -0.26 -0.20 -0.17 -0.24 -0.21 -0.19 -0.35
Noncontrolling Interest		 0.11 0.12 0.11 0.11 0.12 0.11 0.11 0.12

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 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
DEI Shares Outstanding		 3,350,660.00 3,350,660.00 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
DEI Adjusted Shares Outstanding		 3,350,660.00 3,350,660.00 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
DEI Earnings Per Adjusted Shares Outstanding		 0.94 0.93 0.88 0.84 0.87 - 0.97 1.13 1.34 1.46 1.30
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.45% -6.05% -6.11% 4.96% 4.21% 9.28% 8.86% 16.39% 21.39% 20.56% 18.25%
EBITDA Growth		 17.51% -3.37% -13.88% 9.52% -19.28% 6.20% 3.88% 42.00% 58.86% 38.55% 28.36%
EBIT Growth		 -2.21% -17.39% -24.54% 5.10% -7.41% 9.97% 12.94% 39.46% 61.37% 51.96% 38.41%
NOPAT Growth		 0.42% -12.14% -22.62% 3.74% -7.64% 4.88% 9.58% 33.40% 54.46% 49.56% 33.82%
Net Income Growth		 0.42% -12.14% -22.62% 3.74% -7.64% 4.88% 9.58% 33.40% 54.46% 49.56% 33.82%
EPS Growth		 1.08% -13.21% -22.81% 3.66% -7.45% 5.43% 10.23% 32.94% 54.02% 49.48% 34.02%
Operating Cash Flow Growth		 4.62% -76.84% 37.40% 44.54% 36.75% 324.66% -39.23% 6.95% 4.76% 28.74% 44.54%
Free Cash Flow Firm Growth		 -191.27% -219.40% -784.91% -95.83% 16.38% 140.04% 153.14% 165.94% 173.95% -218.94% -160.54%
Invested Capital Growth		 50.66% 48.76% 48.12% 34.30% 28.35% -9.57% -13.82% -12.85% -11.93% 20.22% 14.94%
Revenue Q/Q Growth		 3.04% -1.00% 1.16% 1.72% 2.29% 3.82% 0.77% 8.76% 6.69% 3.11% -1.16%
EBITDA Q/Q Growth		 39.37% -8.55% -7.05% -7.56% 2.72% 20.33% -9.08% 26.36% 14.92% 4.94% -15.77%
EBIT Q/Q Growth		 17.54% -3.29% -3.59% -4.10% 3.55% 14.86% -0.99% 18.41% 19.83% 8.17% -9.82%
NOPAT Q/Q Growth		 15.05% -0.89% -5.08% -4.16% 2.44% 12.55% -0.83% 16.68% 18.61% 8.97% -11.26%
Net Income Q/Q Growth		 15.05% -0.89% -5.08% -4.16% 2.44% 12.55% -0.83% 16.68% 18.61% 8.97% -11.26%
EPS Q/Q Growth		 14.63% -2.13% -4.35% -3.41% 2.35% 11.49% 0.00% 16.49% 18.58% 8.21% -10.34%
Operating Cash Flow Q/Q Growth		 130.10% -82.74% 654.34% -51.77% 117.69% -46.39% 7.95% -15.11% 113.24% -34.11% 21.20%
Free Cash Flow Firm Q/Q Growth		 -113.37% -5.99% -10.12% 21.37% 8.88% 150.75% 46.17% -2.43% 2.19% -181.62% 25.60%
Invested Capital Q/Q Growth		 11.31% 8.17% 9.95% 1.45% 6.38% -23.78% 4.78% 2.59% 7.50% 4.04% 0.18%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 51.79% 47.85% 43.97% 39.95% 40.12% 46.50% 41.95% 48.75% 52.50% 53.44% 45.54%
EBIT Margin		 35.42% 34.60% 32.97% 31.09% 31.47% 34.82% 34.21% 37.25% 41.83% 43.89% 40.04%
Profit (Net Income) Margin		 29.96% 29.99% 28.15% 26.52% 26.55% 28.79% 28.33% 30.39% 33.79% 35.71% 32.06%
Tax Burden Percent		 84.59% 86.69% 85.36% 85.30% 84.38% 82.68% 82.81% 81.60% 80.77% 83.89% 80.79%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 97.00% 99.09%
Effective Tax Rate		 15.41% 13.31% 14.64% 14.70% 15.62% 17.32% 17.19% 18.40% 19.23% 16.11% 19.21%
Return on Invested Capital (ROIC)		 13.17% 11.94% 10.01% 9.03% 8.43% 10.36% 9.68% 10.59% 11.57% 14.36% 13.12%
ROIC Less NNEP Spread (ROIC-NNEP)		 13.17% 11.94% 10.01% 9.03% 8.43% 10.36% 9.68% 10.59% 11.57% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 2.21% 1.35% 1.68% 2.10% 2.52% 1.01% 1.44% 1.54% 1.56% 0.00% 0.00%
Return on Equity (ROE)		 15.38% 13.29% 11.69% 11.14% 10.94% 11.37% 11.12% 12.13% 13.13% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 -26.85% -27.13% -28.57% -19.52% -16.02% 19.94% 24.27% 23.69% 23.12% -5.40% -0.37%
Operating Return on Assets (OROA)		 1.33% 1.27% 1.20% 1.13% 1.15% 1.29% 1.28% 1.43% 1.67% 1.81% 1.70%
Return on Assets (ROA)		 1.12% 1.10% 1.02% 0.96% 0.97% 1.07% 1.06% 1.17% 1.35% 1.48% 1.36%
Return on Common Equity (ROCE)		 15.36% 13.27% 11.68% 11.12% 10.93% 11.36% 11.11% 12.12% 13.12% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 14.84% 0.00% 11.29% 11.17% 10.11% 0.00% 10.19% 10.70% 11.15% 0.00% 12.66%
Net Operating Profit after Tax (NOPAT)		 3.14 3.11 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33
NOPAT Margin		 29.96% 29.99% 28.15% 26.52% 26.55% 28.79% 28.33% 30.39% 33.79% 35.71% 32.06%
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		 50.94% 51.50% 52.10% 52.77% 51.61% 49.30% 51.68% 49.03% 46.97% 44.41% 45.42%
Operating Expenses to Revenue		 61.82% 62.43% 64.36% 65.54% 64.29% 62.13% 62.83% 60.29% 57.04% 53.55% 57.37%
Earnings before Interest and Taxes (EBIT)		 3.71 3.59 3.46 3.32 3.44 3.95 3.91 4.63 5.55 6.00 5.41
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.43 4.97 4.62 4.27 4.38 5.27 4.80 6.06 6.96 7.31 6.16
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.96 0.82 0.85 0.88 0.96 0.94 1.03 1.10 1.14 1.42 1.20
Price to Tangible Book Value (P/TBV)		 1.04 0.88 0.91 0.94 1.01 0.99 1.09 1.16 1.20 1.49 1.26
Price to Revenue (P/Rev)		 1.99 2.05 2.16 2.26 2.63 2.47 2.80 2.93 3.12 3.86 3.12
Price to Earnings (P/E)		 6.46 6.78 7.52 7.91 9.48 8.98 10.16 10.27 10.25 11.97 9.46
Dividend Yield		 4.20% 4.17% 0.00% 3.81% 3.30% 3.50% 3.08% 2.88% 2.62% 2.05% 2.47%
Earnings Yield		 15.48% 14.74% 13.29% 12.65% 10.55% 11.13% 9.84% 9.73% 9.76% 8.35% 10.57%
Enterprise Value to Invested Capital (EV/IC)		 0.66 0.52 0.56 0.53 0.35 0.00 0.04 0.00 0.28 0.42 0.10
Enterprise Value to Revenue (EV/Rev)		 1.82 1.56 1.88 1.79 1.24 0.00 0.11 0.00 0.76 1.13 0.27
Enterprise Value to EBITDA (EV/EBITDA)		 3.93 3.35 4.13 3.91 2.90 0.00 0.27 0.00 1.60 2.28 0.55
Enterprise Value to EBIT (EV/EBIT)		 4.93 4.37 5.61 5.35 3.83 0.00 0.34 0.00 2.04 2.85 0.67
Enterprise Value to NOPAT (EV/NOPAT)		 5.89 5.14 6.55 6.25 4.48 0.00 0.41 0.00 2.50 3.50 0.83
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.49 4.64 4.85 4.38 2.75 0.00 0.26 0.00 1.83 2.69 0.62
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.16 0.00 1.13 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.31 0.20 0.32 0.31 0.29 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.31 0.20 0.32 0.31 0.29 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.17 0.11 0.17 0.23 0.30 0.10 0.15 0.15 0.13 0.00 0.00
Leverage Ratio		 13.70 12.11 11.46 11.58 11.31 10.66 10.49 10.41 9.72 9.74 9.67
Compound Leverage Factor		 13.70 12.11 11.46 11.58 11.31 10.66 10.49 10.41 9.72 9.44 9.58
Debt to Total Capital		 23.88% 16.95% 24.11% 23.77% 22.34% 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		 23.88% 16.95% 24.11% 23.77% 22.34% 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		 0.09% 0.09% 0.08% 0.07% 0.07% 0.10% 0.10% 0.09% 0.08% 0.08% 0.08%
Common Equity to Total Capital		 76.03% 82.96% 75.81% 76.16% 77.59% 99.90% 99.90% 99.91% 99.92% 99.92% 99.92%
Debt to EBITDA		 1.41 1.09 1.78 1.74 1.84 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 -0.38 -1.07 -0.62 -1.03 -3.24 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 1.41 1.09 1.78 1.74 1.84 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 2.12 1.68 2.82 2.79 2.85 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 -0.57 -1.65 -0.98 -1.65 -5.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 2.12 1.68 2.82 2.79 2.85 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.13% 0.12% 0.12% 0.10% 0.10% 0.10% 0.10% 0.09% 0.09% 0.09% 0.09%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -36 -38 -42 -33 -30 15 23 22 22 -18 -14
Operating Cash Flow to CapEx		 3,695.33% 517.30% 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%
Free Cash Flow to Firm to Interest Expense		 -13.74 -12.44 -13.08 -9.35 -7.40 4.07 5.98 6.05 6.06 -5.08 -3.89
Operating Cash Flow to Interest Expense		 2.10 0.31 2.23 0.98 1.85 1.07 1.17 1.03 2.15 1.45 1.81
Operating Cash Flow Less CapEx to Interest Expense		 2.04 0.25 2.18 0.94 1.83 0.99 1.11 0.95 2.10 1.26 1.67
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		 2.93 2.90 2.87 2.92 2.97 3.04 3.12 3.25 3.46 3.56 3.69
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 117 127 139 141 151 115 120 123 133 138 138
Invested Capital Turnover		 0.44 0.40 0.36 0.34 0.32 0.36 0.34 0.35 0.34 0.40 0.41
Increase / (Decrease) in Invested Capital		 39 42 45 36 33 -12 -19 -18 -18 23 18
Enterprise Value (EV)		 78 66 78 75 53 -1.22 5.02 -1.41 37 57 14
Market Capitalization		 85 87 90 95 112 107 124 135 151 196 165
Book Value per Share		 $26.61 $31.41 $31.52 $32.13 $34.84 $34.19 $35.82 $36.72 $39.47 $41.16 $41.23
Tangible Book Value per Share		 $24.60 $29.41 $29.54 $30.16 $32.87 $32.23 $33.88 $34.79 $37.55 $39.23 $39.30
Total Capital		 117 127 139 141 151 115 120 123 133 138 138
Total Debt		 28 22 34 34 34 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 28 22 34 34 34 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -7.60 -21 -12 -20 -59 -109 -119 -137 -114 -139 -151
Capital Expenditures (CapEx)		 0.15 0.19 0.16 0.15 0.08 0.32 0.22 0.27 0.17 0.70 0.49
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)		 28 22 34 34 34 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 1.72 1.38 1.15 0.95 0.95 1.33 0.89 1.43 1.42 1.31 0.74
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.94 $0.92 $0.88 $0.85 $0.87 $0.97 $0.97 $1.13 $1.34 $1.45 $1.30
Adjusted Weighted Average Basic Shares Outstanding		 3.35M 3.35M 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M
Adjusted Diluted Earnings per Share		 $0.94 $0.92 $0.88 $0.85 $0.87 $0.97 $0.97 $1.13 $1.34 $1.45 $1.30
Adjusted Weighted Average Diluted Shares Outstanding		 3.35M 3.35M 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 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		 3.35M 3.35M 3.35M 3.35M 3.35M 3.36M 3.36M 3.36M 3.35M 3.35M 3.35M
Normalized Net Operating Profit after Tax (NOPAT)		 3.14 3.11 2.96 2.83 2.90 3.27 3.24 3.78 4.48 4.88 4.33
Normalized NOPAT Margin		 29.96% 29.99% 28.15% 26.52% 26.55% 28.79% 28.33% 30.39% 33.79% 35.71% 32.06%
Pre Tax Income Margin		 35.42% 34.60% 32.97% 31.09% 31.47% 34.82% 34.21% 37.25% 41.83% 42.57% 39.68%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.41 1.16 1.07 0.93 0.84 1.04 1.04 1.28 1.50 1.67 1.54
NOPAT to Interest Expense		 1.19 1.01 0.91 0.80 0.71 0.86 0.86 1.04 1.21 1.36 1.24
EBIT Less CapEx to Interest Expense		 1.35 1.10 1.02 0.89 0.82 0.96 0.98 1.20 1.45 1.47 1.40
NOPAT Less CapEx to Interest Expense		 1.13 0.95 0.86 0.75 0.69 0.78 0.80 0.97 1.17 1.16 1.10
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 27.26% 28.38% 30.42% 30.16% 31.34% 31.52% 31.36% 29.61% 26.89% 24.63% 23.46%
Augmented Payout Ratio		 31.05% 32.30% 31.89% 30.27% 31.69% 31.87% 31.77% 29.89% 27.31% 28.16% 26.71%

Financials Breakdown Chart

Key Financial Trends

First Capital (NASDAQ: FCAP) continues to show solid profitability and strong deposit-gathering ability, but the latest quarter also highlights a few balance-sheet and earnings-quality considerations investors should watch.

In Q1 2026, FCAP reported net income of $4.3 million, up from $3.2 million in Q1 2025 and slightly below $4.9 million in Q4 2025. Earnings remained healthy, with basic EPS of $1.30 versus $0.97 in Q1 2025, reflecting improved quarterly profitability versus the prior year.

Revenue trends were mixed but generally stable. Total revenue was $13.5 million, up from $11.4 million in Q1 2025. That growth was driven by a stronger net interest income profile of $11.4 million, compared with $9.6 million a year ago, helped by higher interest income on loans and investments and a modest improvement in the spread structure versus last year’s first quarter.

Credit costs remained controlled. FCAP recorded a $350,000 provision for credit losses in Q1 2026, roughly in line with recent quarters and only modestly above the prior year’s first quarter. That suggests loan quality pressures have not escalated meaningfully in the data provided.

Cash flow was also strong in the quarter. The company generated $6.3 million in operating cash flow, up from $4.4 million in Q1 2025. It also posted a $12.4 million increase in cash and equivalents during the quarter, supported by strong financing cash flow tied to deposit growth.

On the balance sheet, FCAP remains a classic deposit-funded financial institution with a large securities-heavy asset mix. As of Q1 2026, it held $1.28 billion in total assets, $1.15 billion in total liabilities, and $138.0 million in common equity. Deposits increased meaningfully from year-end 2025, suggesting continued franchise strength.

  • Net income improved year over year, rising to $4.3 million in Q1 2026 from $3.2 million in Q1 2025.
  • Net interest income expanded to $11.4 million, up from $9.6 million a year ago.
  • Operating cash flow strengthened to $6.3 million, indicating solid core cash generation.
  • Deposits increased by $13.6 million during the quarter, supporting funding stability.
  • Common equity rose to $138.0 million from $123.2 million at Q2 2025 and $120.1 million at Q1 2025.
  • Total assets were steady at $1.28 billion, showing a stable balance sheet size.
  • Dividend payments continued at $0.31 per share, consistent with recent quarters.
  • Provisioning stayed contained at $350,000, suggesting credit costs are not spiking.
  • Expense levels remain elevated, with total non-interest expense of $7.8 million in Q1 2026.
  • Other assets remain very large at $696.7 million, which can be worth monitoring for asset composition and balance-sheet complexity.

Looking at the broader trend since early 2024, FCAP has been consistently profitable, with quarterly net income generally ranging from about $2.8 million to $4.9 million. The company’s earnings have improved from the weaker periods in 2024 and early 2025, while deposits and equity have trended higher. However, investors should keep an eye on the size of the balance sheet’s non-loan assets and on whether earnings growth can continue without a meaningful rise in expenses or credit losses.

07/30/26 06:50 PM 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 financial year ends in December. Their financial 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. Find out what analysts predict for First Capital in the coming months.

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%.

First Capital's total liabilities were at $1.13 billion at the end of 2025, a 5.7% increase from 2024, and a 76.8% increase since 2015.

In the past 10 years, First Capital's cash and equivalents has ranged from $14.76 million in 2015 to $28.92 million in 2020, and is currently $26.87 million as of their latest financial filing in 2025.

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 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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