First Capital, Inc. (FCAP) Earnings History
Growth Compounder28 years of earnings data (1998–2025) · Consistent double-digit EPS growth over 5 years
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First Capital, Inc. (FCAP) Earnings Overview
As of June 29, 2026, First Capital, Inc. (FCAP) reported trailing twelve-month net income of $17M, reflecting +37.0% year-over-year growth. The company earned $5.23 per diluted share over the past four quarters, with a net profit margin of 25.1%.
Looking at the long-term picture, FCAP's 5-year EPS compound annual growth rate (CAGR) stands at +10.1%, showing solid earnings momentum. The company achieved its highest annual net income of $16M in fiscal 2025, representing a new all-time high.
First Capital, Inc. maintains industry-leading profitability with a gross margin of 75.7%, operating margin of 30.5%, and net margin of 25.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including LKFN ($110M net income, 24.5% margin), MOFG ($58M net income, -29.3% margin), HONE ($26M net income, 8.7% margin), FCAP has outperformed on profitability metrics. Compare FCAP vs LKFN →
FCAP Earnings vs Peers
Earnings metrics vs comparable public companies
FCAP Historical Earnings Data (1998–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $16M | +37.1% | $20M | $4.89 | 25.1% | 30.5% |
| 2024 | $12M | -6.6% | $14M | $3.57 | 20.5% | 24.4% |
| 2023 | $13M | +7.5% | $15M | $3.82 | 25.0% | 29.4% |
| 2022 | $12M | +4.2% | $14M | $3.55 | 28.4% | 34.0% |
| 2021 | $11M | +12.8% | $14M | $3.41 | 29.3% | 35.1% |
| 2020 | $10M | -1.9% | $12M | $3.02 | 26.5% | 31.0% |
| 2019 | $10M | +11.6% | $12M | $3.09 | 26.7% | 31.9% |
| 2018 | $9M | +24.4% | $11M | $2.77 | 26.8% | 30.8% |
| 2017 | $7M | +8.4% | $11M | $2.23 | 22.7% | 32.2% |
| 2016 | $7M | +32.1% | $9M | $2.05 | 22.1% | 30.2% |
| 2015 | $5M | -7.1% | $7M | $1.87 | 22.0% | 30.3% |
| 2014 | $6M | +10.2% | $8M | $2.03 | 24.0% | 33.9% |
| 2013 | $5M | +29.4% | $7M | $1.82 | 22.0% | 31.9% |
| 2012 | $4M | -1.3% | $5M | $1.41 | 16.8% | 23.5% |
| 2011 | $4M | +2.8% | $6M | $1.43 | 16.3% | 22.7% |
| 2010 | $4M | +404.6% | $5M | $1.39 | 15.0% | 21.1% |
| 2009 | $766,000 | -78.5% | $192,000 | $0.28 | 2.9% | 0.7% |
| 2008 | $4M | +4.6% | $5M | $1.27 | 12.2% | 17.4% |
| 2007 | $3M | -8.0% | $5M | $1.20 | 11.1% | 16.3% |
| 2006 | $4M | +0.5% | $6M | $1.30 | 12.5% | 18.8% |
| 2005 | $4M | +7.5% | $6M | $1.29 | 13.8% | 21.0% |
| 2004 | $3M | -2.9% | $5M | $1.12 | 13.9% | 21.1% |
| 2003 | $4M | +8.8% | $5M | $1.17 | 15.0% | 22.9% |
| 2002 | $3M | +4.8% | $5M | $1.18 | 15.7% | 24.3% |
| 2001 | $3M | +26.1% | $5M | $1.14 | 15.0% | 23.3% |
| 2000 | $2M | +38.9% | $4M | $0.91 | 13.2% | 19.6% |
| 1999 | $2M | +77.0% | $3M | $0.65 | 11.0% | 17.7% |
| 1998 | $1M | - | $2M | $0.70 | 12.3% | 19.8% |
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FCAP — Frequently Asked Questions
Quick answers to the most common questions about buying FCAP stock.
What is FCAP earnings per share (EPS)?
FCAP trailing twelve-month (TTM) diluted EPS is $5.23, reflecting +37.0% year-over-year growth. The 5-year EPS CAGR is +10.1%. Complete EPS history from 1998 to 2025 is available in the table on this page.
What is First Capital, Inc.'s net income?
First Capital, Inc. (FCAP) trailing twelve-month net income is $17M as of 2025. Earnings grew +37.0% year-over-year. First Capital, Inc. has been profitable for 28 consecutive years.
Is FCAP profitable?
Yes, FCAP is profitable with a TTM net income of $17M and a net profit margin of +25.1%. First Capital, Inc. has generated profits for 28 consecutive years.
What is FCAP's earnings growth rate?
FCAP compound annual EPS growth rates (CAGR): 1-Year: +37.0%, 3-Year: +11.3%, 5-Year: +10.1%, 10-Year: +10.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1998 to 2025.
What are FCAP's profit margins?
First Capital, Inc. net profit margin is +25.1%, operating margin is +30.5%, and gross margin is +75.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +13.0%.
Is FCAP growing earnings?
Yes, FCAP earnings are accelerating — EPS growth of +37.0% exceeds the 5-year CAGR of +10.1%. TTM net income reached $17M. Earnings momentum is strengthening.
What was FCAP's best earnings year?
First Capital, Inc.'s highest annual net income on record is $16M, achieved in fiscal year 2025. Earnings history on this page spans 1998 to 2025 and includes all annual and quarterly figures.
What were FCAP's earnings last quarter?
FCAP's most recent reported quarter was Q1 2026. Net income was $4M with diluted EPS of $1.30. For a full breakdown of all quarters, see the quarterly earnings table on this page.