FIRST CAPITAL INC FCAP

Financials SIC 6035 - Savings Institution, Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

First Capital, Inc. (the "Company," "First Capital," "us," or "we") was incorporated under Indiana law on September 11, 1998. On December 31, 1998, the Company became the holding company for First Federal Bank, A Federal Savings Bank (the "Bank") upon the Bank's reorganization as a wholly owned subsidiary of the Company resulting from the conversion of First Capital, Inc., M.H.C. (the "MHC"), from a federal mutual holding company to a stock holding company. On January 12, 2000, the Company completed a merger of equals with HCB Bancorp, the former holding company for Harrison County Bank, and the Bank changed its name to First Harrison Bank. On March 20, 2003, the Company acquired Hometown Bancshares, Inc. ("Hometown"), a bank holding company located in New Albany, Indiana. On December 4, 2015, the Company acquired Peoples Bancorp, Inc. of Bullitt County and its wholly-owned bank subsidiary, Peoples Bank of Bullitt County ("Peoples"), headquartered in Shepherdsville, Kentucky.

Last close 63.35 2026-10-23
Market cap $211.9M 2026-06-30 share count
52-week range 41.63 - 71.00

Valuation FY2025 figures against the last close

P/S29.6x
P/E13.0x
P/FCF10.6x
EV/EBITDA—
Dividend yield1.9%
Diluted EPS4.89

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $7.2M$7.1M$7.0M$7.1M$6.4M$5.8M$5.5M$5.3M$5.0M$4.5M
Operating income —$14.2M$15.1M$14.2M$13.7M$11.8M$12.3M$10.7M$10.6M$9.4M
Interest expense $42.1M$35.8M$34.6M$32.3M$1.1M$1.6M$2.0M$1.6M$1.4M$1.8M
Pre-tax income $19.9M$14.2M$15.1M$3.3M$2.2M$1.8M$3.8M$5.5M$10.5M$9.4M
Income tax $3.5M$2.2M$2.2M$2.3M$2.2M$1.7M$2.0M$1.4M$3.1M$2.5M
Net income $16.4M$11.9M$12.8M$11.9M$11.4M$10.1M$10.3M$9.3M$7.4M$6.9M
EPS, basic 4.893.573.823.553.413.033.102.782.242.05
EPS, diluted 4.893.573.823.553.413.023.092.772.232.05
Shares, diluted (wtd. avg.) 3.3M3.3M3.3M3.4M3.3M3.3M3.3M3.3M3.3M3.3M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $26.9M$18.4M$20.0M$25.2M$23.5M$28.9M$18.9M$17.4M$19.5M$18.8M
Property, plant and equipment $14.4M$14.2M$14.4M$14.7M$15.2M$15.9M$16.4M$14.4M$15.0M$14.8M
Goodwill $6.5M$6.5M$6.5M$6.5M$6.5M$6.5M$6.5M$6.5M$6.5M$6.5M
Other intangibles $0$86.0K$232.0K$379.0K$526.0K$672.0K$819.0K$966.0K$1.1M$1.3M
Total assets $1.27B$1.19B$1.16B$1.15B$1.16B$1.02B$827.5M$794.2M$759.0M$743.7M
Short-term debt $0$0————————
Total liabilities $1.13B$1.07B$1.05B$1.07B$1.04B$906.8M$728.5M$708.2M$677.9M$667.8M
Retained earnings $117.6M$105.3M$97.1M$88.5M$80.1M$72.2M$65.3M$58.1M$52.0M$47.1M
Total equity $137.8M$114.6M$105.3M$84.7M$113.9M$110.8M$98.9M$86.0M$81.0M$75.8M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $21.3M$22.3M$14.2M$16.5M$21.6M$12.1M$14.1M$13.3M$13.4M$8.2M
Depreciation and amortisation $1.0M$951.0K$882.0K$924.0K$996.0K$1.1M$923.0K$1.1M$1.1M$1.0M
Stock-based compensation $104.0K$202.0K$252.0K$436.0K$487.0K$381.0K$288.0K$192.0K$88.0K$82.0K
Capital expenditure $1.4M$717.0K$627.0K$415.0K$288.0K$602.0K$3.0M$402.0K$1.3M$2.0M
Investing cash flow -$41.8M$29.0M-$23.9M-$144.0M-$156.5M-$62.4M-$21.1M-$22.1M-$40.4M-$96.2M
Financing cash flow $51.9M$15.9M-$17.8M$21.3M$131.5M$174.9M$17.3M$23.9M$7.0M$24.6M
Dividends paid $4.0M$3.8M$3.6M$3.5M$3.5M$3.3M$3.2M$3.1M$2.9M$2.8M
Buybacks $578.0K$41.0K$502.0K$0$40.0K$13.0K$2.0K$32.0K$16.0K$34.0K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-040934.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 5M 10M 15M 20M Revenue, FY2016: 4.5M Net income, FY2016: 6.9M Revenue, FY2017: 5M Net income, FY2017: 7.4M Revenue, FY2018: 5.3M Net income, FY2018: 9.3M Revenue, FY2019: 5.5M Net income, FY2019: 10.3M Revenue, FY2020: 5.8M Net income, FY2020: 10.1M Revenue, FY2021: 6.4M Net income, FY2021: 11.4M Revenue, FY2022: 7.1M Net income, FY2022: 11.9M Revenue, FY2023: 7M Net income, FY2023: 12.8M Revenue, FY2024: 7.1M Net income, FY2024: 11.9M Revenue, FY2025: 7.2M Net income, FY2025: 16.4M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $4.5M $5.0M $5.3M $5.5M $5.8M $6.4M $7.1M $7.0M $7.1M $7.2M
Gross profit — — — — — — — — — —
Net income $6.9M $7.4M $9.3M $10.3M $10.1M $11.4M $11.9M $12.8M $11.9M $16.4M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced Item 2.02
  • Results announced Item 2.02
  • Other event Item 8.01
  • Results announced Item 2.02
  • Shareholder vote Item 5.07
  • Results announced Item 2.02
  • Annual report filed Form 10-K

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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