First Capital Inc (FCAP)

Name: First Capital Inc Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2025-03-31

Latest Quarter

2025-03-31

Revenue

$15.2M

Net Income

$3.2M

Operating Margin

73.1%

Free Cash Flow

$21.6M

Debt / Assets

90.3%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for First Capital Inc (FCAP).
Income Statement (Quarterly)	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Revenue	15,176,000	10,996,000	10,925,000	14,247,000
Cost of Revenue	0	0	463,000	6,000
Gross Profit	15,176,000	10,996,000	10,462,000	14,241,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	4,085,000	3,925,000	3,998,000	4,041,000
Operating Expenses	4,085,000	11,342,000	5,972,000	2,288,000
Operating Income	11,091,000	10,996,000	3,438,000	3,320,000
Interest Expense	0	3,784,000	4,099,000	3,561,000
Income Before Tax	3,910,000	3,949,000	3,438,000	3,320,000
Income Tax Expense	672,000	684,000	537,000	488,000
Net Income	3,235,000	3,262,000	2,898,000	2,828,000
Per Share
EPS	0.97	0.97	0.87	0.85
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for First Capital Inc (FCAP).
Income Statement (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Revenue	65,312,000	58,127,000	41,079,000	40,276,000	37,864,000
Cost of Revenue	15,841,000	16,130,000	0	0	0
Gross Profit	49,471,000	41,997,000	41,079,000	40,276,000	0
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	0	15,895,000	15,331,000	15,050,000	18,341,000
Operating Expenses	29,562,000	27,828,000	42,220,000	1,099,000	0
Operating Income	19,909,000	14,169,000	0	17,829,000	0
Interest Expense	14,697,000	14,681,000	9,017,000	1,594,000	1,128,000
Income Before Tax	19,909,000	14,169,000	15,051,000	14,235,000	13,677,000
Income Tax Expense	3,529,000	2,216,000	2,248,000	2,320,000	2,240,000
Net Income	16,367,000	11,940,000	12,790,000	11,902,000	11,424,000
Per Share
EPS	4.89	3.57	3.82	3.55	3.41
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for First Capital Inc (FCAP).
Balance Sheet (Quarterly)	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Assets
Cash and Cash Equivalents	26,592,000	27,099,000	32,728,000	32,273,000
Short Term Investments	65,092,000	437,271,000	460,819,000	447,335,000
Net Receivables	4,575,000	4,788,000	4,285,000	3,430,000
Inventory	0	33,882,000	-74,260,000	0
Total Current Assets	96,259,000	47,378,000	535,222,000	685,093,000
Property Plant Equipment	14,179,000	14,436,000	14,668,000	15,177,000
Goodwill and Intangibles	6,558,000	6,704,000	6,851,000	6,998,000
Total Assets	1,187,523,000	1,157,880,000	1,151,400,000	1,156,603,000
Liabilities
Account Payables	1,922,000	1,209,000	123,000	97,000
Short Term Debt	0	21,519,000	19,000	0
Total Current Liabilities	1,068,361,000	795,496,000	123,000	0
Long Term Debt	0	21,500,000	0	0
Total Liabilities	1,072,812,000	1,052,535,000	1,066,130,000	1,042,663,000
Shareholders Equity
Retained Earnings	105,290,000	97,105,000	88,465,000	80,070,000
Total Shareholders Equity	114,599,000	105,233,000	85,158,000	113,828,000

Balance sheet annual history for First Capital Inc (FCAP).
Balance Sheet (Annual)	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Assets
Cash and Cash Equivalents	26,592,000	27,099,000	32,728,000	32,273,000	41,551,000
Short Term Investments	65,092,000	437,271,000	460,819,000	447,335,000	283,502,000
Net Receivables	4,575,000	4,788,000	4,285,000	3,430,000	3,434,000
Inventory	0	33,882,000	-74,260,000	0	0
Total Current Assets	96,259,000	47,378,000	535,222,000	685,093,000	710,955,000
Property Plant Equipment	14,179,000	14,436,000	14,668,000	15,177,000	15,950,000
Goodwill and Intangibles	6,558,000	6,704,000	6,851,000	6,998,000	7,144,000
Total Assets	1,187,523,000	1,157,880,000	1,151,400,000	1,156,603,000	1,017,551,000
Liabilities
Account Payables	1,922,000	1,209,000	123,000	97,000	153,000
Short Term Debt	0	21,519,000	19,000	0	0
Total Current Liabilities	1,068,361,000	795,496,000	123,000	0	0
Long Term Debt	0	21,500,000	0	0	0
Total Liabilities	1,072,812,000	1,052,535,000	1,066,130,000	1,042,663,000	906,800,000
Shareholders Equity
Retained Earnings	105,290,000	97,105,000	88,465,000	80,070,000	72,155,000
Total Shareholders Equity	114,599,000	105,233,000	85,158,000	113,828,000	110,639,000

Cash flow quarterly history for First Capital Inc (FCAP).
Cash Flow Statement (Quarterly)	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Operating Activities
Net Income	11,940,000	12,790,000	11,915,000	11,424,000
Depreciation & Amortization	1,097,000	1,028,999	1,070,000	1,143,000
Stock Based Compensation	202,000	252,000	436,000	487,000
Change in Working Capital	4,258,000	-3,890,000	-2,109,000	1,244,000
Operating Cash Flow	22,345,000	13,749,000	16,531,000	21,631,000
Investing Activities
Capital Expenditure	-717,000	-627,000	-415,000	-288,000
Investments	-717,000	-627,000	-415,000	-288,000
Investing Cash Flow	29,006,000	-23,533,000	-144,030,000	-156,464,000
Financing Activities
Debt Repayment	-21,500,000	-21,500,000	-26,000	0
Common Stock Issued/Repurchased	-41,000	-502,000	126,000	-40,000
Dividends Paid	-3,768,000	-3,634,000	-3,520,000	-3,522,000
Financing Cash Flow	15,896,000	-17,844,000	21,288,000	131,454,000
Summary
Free Cash Flow	21,628,000	13,122,000	16,116,000	21,343,000
Net Change in Cash	67,247,000	-27,628,000	-106,211,000	-3,379,000

Cash flow annual history for First Capital Inc (FCAP).
Cash Flow Statement (Annual)	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Operating Activities
Net Income	11,940,000	12,790,000	11,915,000	11,424,000	10,131,000
Depreciation & Amortization	1,097,000	1,028,999	1,070,000	1,143,000	1,200,000
Stock Based Compensation	202,000	252,000	436,000	487,000	381,000
Change in Working Capital	4,258,000	-3,890,000	-2,109,000	1,244,000	-334,000
Operating Cash Flow	22,345,000	13,749,000	16,531,000	21,631,000	12,060,000
Investing Activities
Capital Expenditure	-717,000	-627,000	-415,000	-288,000	-602,000
Investments	-717,000	-627,000	-415,000	-288,000	-602,000
Investing Cash Flow	29,006,000	-23,533,000	-144,030,000	-156,464,000	-62,414,000
Financing Activities
Debt Repayment	-21,500,000	-21,500,000	-26,000	0	0
Common Stock Issued/Repurchased	-41,000	-502,000	126,000	-40,000	-13,000
Dividends Paid	-3,768,000	-3,634,000	-3,520,000	-3,522,000	-3,255,000
Financing Cash Flow	15,896,000	-17,844,000	21,288,000	131,454,000	174,882,000
Summary
Free Cash Flow	21,628,000	13,122,000	16,116,000	21,343,000	11,458,000
Net Change in Cash	67,247,000	-27,628,000	-106,211,000	-3,379,000	124,528,000