What is First Capital's net margin?

First Capital (FCAP) reported net margin of 33.2% in Q1 2026.

How has First Capital's net margin changed year-over-year?

First Capital's net margin increased by 20.4% year-over-year, from 27.5% to 33.2%.

What is the long-term trend for First Capital's net margin?

Over 3 years (2022 to 2025), First Capital's net margin has grown at a 3.0% compound annual growth rate (CAGR), from 29.6% to 32.3%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

First Capital FCAP Net margin

Net margin at other companies

Old National BancorpONB

27.7%-1.5pp

German American BancorpGABC

36%+8.5pp

Home Federal BancorpHFBL

25.1%+8.3pp

Investar HoldingISTR

24.5%+1.3pp

PCB BancorpPCB

33.9%+5.8pp

Equity BancsharesEQBK

10.6%-17.1pp

Other financials

Income statement

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Revenue$13.5M+17.8%

Operating income$5.5M+61.4%

Net income$4.3M+33.8%

EPS (diluted)$1.30+34.0%

Balance sheet

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Cash & equivalents$149.6M+475%

Total debt$23.0K—

Total equity$138.0M+15.0%

Total assets$1.3B+5.7%

Cash flow

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Operating cash flow$6.3M+44.5%

CapEx$489.0K+122%

Free cash flow$5.9M+40.4%

Valuation

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Market cap$216.42M+62.9%

P/E12.4×+2.3×

P/S4.1×+1.2×

Profitability

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Operating margin40.9%+5.2pp

FCF margin41.1%-1.2pp

Returns & leverage

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Return on equity13.5%+2.7pp

Debt / equity0×—

Where this comes from

Calculated from First Capital’s reported figures.

net income/total revenue=33.2%

Based on trailing twelve months.

The official record: First Capital’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Capital's net margin?: First Capital (FCAP) reported net margin of 33.2% in Q1 2026.
How has First Capital's net margin changed year-over-year?: First Capital's net margin increased by 20.4% year-over-year, from 27.5% to 33.2%.
What is the long-term trend for First Capital's net margin?: Over 3 years (2022 to 2025), First Capital's net margin has grown at a 3.0% compound annual growth rate (CAGR), from 29.6% to 32.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.