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First Capital FCAP Total Revenue

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Segments

By product

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ATM And Debit Card Fees$1.17M+2.2%
Service Charges On Deposit Accounts$642K+9.2%

Other financials

Income statement

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Operating income$5.5M+61.4%
Net income$4.8M+26.1%
EPS (diluted)$1.43+26.5%

Balance sheet

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Cash & equivalents$149.8M+11.3%
Total debt$23.0K
Total equity$142.5M+15.7%
Total assets$1.3B+3.8%

Cash flow

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Operating cash flow$4.3M+14.2%
CapEx$704.0K+162%
Free cash flow$3.5M+2.7%

Valuation

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Market cap$205.16M+49.5%
P/E11.1×+0.7×
P/S3.8×+0.8×

Profitability

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Operating margin40.9%+5.2pp
Net margin33.8%+5.3pp
FCF margin39.8%-1.1pp

Returns & leverage

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Return on equity13.9%+2.5pp
Debt / equity

Where this comes from

Calculated from First Capital’s reported figures.

The source filing: First Capital’s 10-Q, filed August 12, 2026.

Filed
Aug 12, 2026, 4:31 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-094929
(In thousands)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Service charges on deposit accounts$642$588$1,234$1,181
ATM and debit card fees1,1721,1472,2532,183
Other49469894
Revenue from contracts with customers1,8631,7813,5853,458
Out of Scope for ASC 606
Net gains on loans and investments243111462163
Increase in cash value of life insurance5149108121
Other487798124

Item 1. Consolidated Financial Statements

FAQ

What is First Capital's total revenue?
First Capital (FCAP) reported total revenue of $14.29M in Q2 2026.
How has First Capital's total revenue changed year-over-year?
First Capital's total revenue increased by 15.0% year-over-year, from $12.43M to $14.29M.
What is the long-term trend for First Capital's total revenue?
Over 4 years (2021 to 2025), First Capital's total revenue has grown at a 67.4% compound annual growth rate (CAGR), from $6.45M to $50.62M.
What does total revenue mean?
The aggregate of all revenue from the company's operations — the top line from which all profitability metrics are derived.

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