Skip to content

First Capital FCAP Q3 2025 earnings

Reported October 24, 2025 · Before market open

Next report

Oct 23, 2026 (in 3 months)

Financials

Q3 2025

Income statement

See full
Revenue$13.3M+21.4%
Operating income$5.5M+61.4%
Net income$4.5M+54.5%
EPS (diluted)$1.34+54.0%

Balance sheet

See full
Cash & equivalents$112.2M+423%
Total equity$132.4M+13.4%
Total assets$1.2B+3.9%

Cash flow

See full
Operating cash flow$7.9M+4.8%
CapEx$165.0K+98.8%
Free cash flow$7.8M+3.7%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$153.66M+31.4%
P/E10.4×+0.5×
P/S3.2×+1.2×

Profitability

See full
Net margin30.4%+10.9pp
FCF margin39.5%+8.5pp

Returns & leverage

See full
Return on equity11.8%+0.4pp

Segments

By product

See full
ATM And Debit Card Fees$1.2M+4.1%
Service Charges On Deposit Accounts$625.0K

Versus estimates

Ask the moment First Capital reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did First Capital report Q3 2025 earnings?
First Capital (FCAP) reported Q3 2025 earnings on October 24, 2025 before market open.
What were First Capital's Q3 2025 revenue and EPS?
First Capital reported revenue of $13.3M and eps of $1.34 for Q3 2025.
How did First Capital's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 21.4% from $10.9M a year earlier and eps grew 54.0% from $0.87.
Where can I find First Capital's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001104659-25-112606) directly on SEC EDGAR. The filing index links above go to sec.gov.