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First Capital FCAP Q2 2025 earnings

Reported July 24, 2026 · Before market open

Revenue$17.8M
EPS$1.43

Next report

Oct 23, 2026 (in a month)

Financials

Q2 2025

Income statement

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Revenue$12.4M+16.4%
Operating income$4.6M+39.5%
Net income$3.8M+33.5%
EPS (diluted)$1.13+32.9%

Balance sheet

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Cash & equivalents$134.6M+486%
Total equity$123.2M+14.3%
Total assets$1.2B+6.8%

Cash flow

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Operating cash flow$3.7M+7.0%
CapEx$269.0K+77.0%
Free cash flow$3.5M+3.8%

Valuation & ratios

Valuation

as of 06/30/26
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Market cap$144.58M+44.1%
P/E11×+2.6×
P/S3.1×+1.2×

Profitability

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Net margin28.6%+5.0pp
FCF margin40.9%+8.5pp

Returns & leverage

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Return on equity11.4%-0.6pp

Segments

By product

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ATM And Debit Card Fees$1.1M-0.3%
Service Charges On Deposit Accounts$588.0K+4.3%

FAQ

When did First Capital report Q2 2025 earnings?
First Capital (FCAP) reported Q2 2025 earnings on July 24, 2026 before market open.
What were First Capital's Q2 2025 revenue and EPS?
First Capital reported revenue of $17.8M and eps of $1.43 for Q2 2025.
How did First Capital's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.0% from $16.1M a year earlier and eps grew 26.5% from $1.13.
Where can I find First Capital's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-086673) and the 10-Q periodic report (0001104659-26-094929) directly on SEC EDGAR. The filing index links above go to sec.gov.