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MARKETS / NASDAQ / FCAP
NASDAQ · SAVINGS INSTITUTION, FEDERALLY CHARTERED · SMALL CAP

First Capital Inc. FCAP

16 fiscal years on record · USD · FY2025 reported · SEC filings only
3 YEARS OF DIVIDEND GROWTH
$7.2M
▲ 1.6% YoY
$16.4M
▲ 37.1% YoY
$19.9M
▼ 7.8% YoY
In brief

What this company does

The Bank considers Harrison, Floyd, Clark and Washington counties in Indiana and Bullitt County in Kentucky its primary market area. The main office of the Bank is located in Corydon, Indiana, 35 miles west of Louisville, Kentucky. As of December 31, 2025, the Bank had 176 full-time employees and 40 part-time employees.

Written from the business description in First Capital, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 31 March 2026. Every sentence was checked against that document before publication.

Growth
USD 7.2M
Revenue, FY2025 · full 16-year series below
Revenue $M Net income $M
FY2025 · Revenue 7.2 · Net income 16.4
8M16M201020122014201620182020202220242025
Compound annual growth
+0.1%
+4.5%
+11.2%
+10.1%
+12.2%
+10.1%
+11.3%
+10.1%
+10.1%
+8.7%
+4.9%
+4.6%
+3.6%
+3.3%
+9.4%
+7.1%
+6.5%
+5.5%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +4.5% a year over five years — but profit grew faster: net income at +10.1%, earnings per share at +10.1%.

The share count fell from 0.00B to 0.00B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
228 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 277.7% · Net 228.5%
100%200%201020122014201620182020202220242025
ROE
FY2025 · ROE 13.0%
5%10%201020122014201620182020202220242025
Gross margin—
Operating margin277.7%
Net margin228.5%
Return on assets1.3%
EBITDAUSD 20.9M

Each USD of equity produced 13 cents of profit this year.

Cash & shareholders
USD 4.6M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 19.9
8M16M201020122014201620182020202220242025
Net buybacks $M Dividends $M
FY2025 · Dividends 4.0 · Net buybacks 0.6
2M4MDividendsNet buybacks201020122014201620182020202220242025
Dividends paidUSD 4.0M
Net buybacksUSD 578,000.00
Share of profit28.2%
Consecutive raises3 years

USD 4.0M in dividends and USD 578,000.00 in buybacks — 28% of the year's profit went back to shareholders.

Total assetsUSD 1.3B
EquityUSD 137.8M
Gross debtUSD 0.00
DepositsUSD 1.1B

Equity funds 11% of total assets.

The 16-year record
16 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 2025202420232022202120202019201820172016201520142013201220112010
Revenue $B0.00.00.00.00.00.00.00.00.00.0······
Operating income $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
EBITDA $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0·
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
EPS, diluted $4.893.573.823.553.413.023.092.772.232.051.872.031.821.411.431.39
Dividend / sh $1.201.121.081.041.040.960.950.920.860.840.840.840.800.760.760.74
Payout %25322830313231343941474244545454
ROE %13.010.913.412.010.29.711.211.19.59.17.910.19.67.68.08.1
Shares out B0.000.000.000.000.000.000.000.000.000.000.000.000.000.00··

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 47 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 10 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivitySavings Institution, Federally Chartered
Listed onNASDAQ
Incorporated inIndiana
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2010

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