FCAPNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
FIRST CAPITAL INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 12, 2026
$61.39+0.23 (+0.38%)
Close on Oct 19, 2026
- Market cap
- $205.02M
- P/E (TTM)
- 11.1
- Dividend yield
- 1.95%
Margins
Share of revenue, fiscal years 2011 to 2025
Operating margin
–
Net margin
228.3%+52.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +1.6% | +0.1% | +4.5% | -10.9% | |
| Net income | +37.1% | +11.2% | +10.1% | +12.2% | |
| EPS, diluted | +37.0% | +11.3% | +10.1% | +10.1% | |
| Free cash flow | -7.8% | +7.3% | +11.7% | +15.1% | |
| Dividend per share | +7.1% | +4.9% | +4.6% | +3.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.1% | 9.7% | 13.0% | |
| Return on assets | 0.9% | 1.1% | 1.3% | |
| Interest coverage | 5.3× | 7.6× | – | |
| Capex to revenue | 44.6% | 10.4% | 18.9% | |
| Diluted shares | 3M | 3M | 3M |
Where the cash went
Fiscal 2021 to 2025, five years combined
First Capital generated $95.95M from operations and spent $23.04M on capital expenditure, dividends and share buybacks. 15% of that went back into the business.
Generated
$95.95M
Used
$23.04M
Capital expenditure$3.40M15%Dividends$18.48M80%Share buybacks$1.16M5%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin228.3%
×Asset turnover0.01×
×Equity multiplier9.74×
=Return on equity, FY202513.0%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 228.3% | 0.01× | 9.74× | 13.0% |
| FY2024 | 169.1% | 0.01× | 10.67× | 10.9% |
| FY2023 | 182.5% | 0.01× | 12.13× | 13.4% |
| FY2022 | 166.6% | 0.01× | 11.60× | 12.0% |
| FY2021 | 177.2% | 0.01× | 9.69× | 10.2% |
| FY2020 | 175.9% | 0.01× | 8.81× | 9.7% |
| FY2019 | 186.8% | 0.01× | 8.78× | 11.2% |
| FY2018 | 176.1% | 0.01× | 9.31× | 11.1% |
| FY2017 | 149.8% | 0.01× | 9.59× | 9.5% |
| FY2016 | 153.8% | 0.01× | 9.72× | 9.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$16.37M
- Cash generatingOperating cash flow above zero$21.28M
- Return on assets improvedROA up on the prior year1.0% → 1.4%
- Earnings backed by cashOperating cash flow above net income$21.28M vs $16.37M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise3M → 3M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.01