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First Capital FCAP Q3 2025 earnings

Reported October 24, 2025 · Before market open

Revenue$13.3M
EPS$1.34

Next report

Oct 23, 2026 (in a month)

Financials

Q3 2025

Income statement

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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

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

Cash flow

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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
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Market cap$153.66M+31.4%
P/E10.4×+0.5×
P/S3.2×+1.2×

Profitability

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

Returns & leverage

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Return on equity11.8%+0.4pp

Segments

By product

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

FAQ

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 8-K earnings release (0001104659-25-102178) and the 10-Q periodic report (0001104659-25-112606) directly on SEC EDGAR. The filing index links above go to sec.gov.