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First Capital FCAP Q4 2025 Annual earnings

Reported January 23, 2026 · Before market open

Revenue$17.1M
EPS$1.46

Next report

Oct 23, 2026 (in 3 months)

Financials

Q4 2025

Income statement

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Revenue$13.5M+19.0%
Net income$4.9M+49.6%
EPS (diluted)$1.46+50.5%

Balance sheet

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Cash & equivalents$137.3M+29.6%
Total equity$137.8M+20.2%
Total assets$1.3B+7.1%

Cash flow

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Operating cash flow$5.2M+28.7%
CapEx$698.0K+116%
Free cash flow$4.5M+21.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$198.18M+83.3%
P/E12.1×+3.1×
P/S3.9×+0.8×

Profitability

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Net margin32.3%-2.1pp
FCF margin39.4%-23.0pp

Returns & leverage

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Return on equity13%+2.1pp

Segments

By product

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ATM And Debit Card Fees$1.2M+4.8%
Service Charges On Deposit Accounts$644.0K—

Versus estimates

Revenue

Q2 2026$17.8MQ1 2026$17.0M
Q4 2025$17.1M
Q2 2025$16.1MQ1 2025$15.2M

Diluted EPS

Q2 2026$1.43Q1 2026$1.30
Q4 2025$1.46
Q3 2025$1.34Q2 2025$1.13Q1 2025$0.97

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Questions, answered.

When did First Capital report Q4 2025 earnings?
First Capital (FCAP) reported Q4 2025 earnings on January 23, 2026 before market open.
What were First Capital's Q4 2025 revenue and EPS?
First Capital reported revenue of $17.1M and eps of $1.46 for Q4 2025.
How did First Capital's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 55.5% from $11.0M a year earlier and eps grew 50.5% from $0.97.
Where can I find First Capital's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-006268) and the 10-K periodic report (0001104659-26-037802) directly on SEC EDGAR. The filing index links above go to sec.gov.