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First Capital FCAP Gain (Loss) on Sale of Mortgage Loans

Gain (Loss) on Sale of Mortgage Loans at other companies

Customers Bancorp logo
Customers BancorpCUBI
$1.04M+52,100%
Fulton Financial logo
Fulton FinancialFULT
$2.2M+7.4%
OFG Bancorp logo
OFG BancorpOFG
-$108K-117%
First Financial Corporation logo
First Financial CorporationTHFF
$294K+30.7%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$4.25M+11.3%
Primis Financial Corp. logo
Primis Financial Corp.FRST
$3.46M+72.1%

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
Net margin33.2%+5.6pp
FCF margin41.1%-1.2pp

Returns & leverage

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Return on equity13.5%+2.7pp
Debt / equity

Where this comes from

Reported directly by First Capital in its filing.

Tagged under the XBRL concept us-gaap:GainLossOnSaleOfMortgageLoans.

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 gain (loss) on sale of mortgage loans?
First Capital (FCAP) reported gain (loss) on sale of mortgage loans of $133K in Q1 2026.
How has First Capital's gain (loss) on sale of mortgage loans changed year-over-year?
First Capital's gain (loss) on sale of mortgage loans increased by 49.4% year-over-year, from $89K to $133K.
What is the long-term trend for First Capital's gain (loss) on sale of mortgage loans?
Over 3 years (2022 to 2025), First Capital's gain (loss) on sale of mortgage loans has grown at a -1.7% compound annual growth rate (CAGR), from $833K to $792K.
What does gain (loss) on sale of mortgage loans mean?
This captures the net profit or loss realized from the sale of mortgage loans into the secondary market. It is calculated as the difference between the sale proceeds and the carrying value of the loans at the time of sale. This metric is a primary driver of non-interest income for banks with significant mortgage banking operations.