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Stocks · Financials · Savings Institution, Federally Chartered

FIRST CAPITAL INC

FCAP Clue Score52
United States Fiscal year ends December CIK 0001070296
$62.70 -2.20% Close, 9 Oct 2026
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Price $62.70 +52.93% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue4.5Operating income9.4Net income6.9EPS, diluted2.05Fiscal year 2017Revenue5.0 +11.3%Operating income10.6Net income7.4 +8.4%EPS, diluted2.23 +8.8%Fiscal year 2018Revenue5.3 +5.8%Operating income10.7Net income9.3 +24.4%EPS, diluted2.77 +24.2%Fiscal year 2019Revenue5.5 +5.2%Operating income12.3Net income10.3 +11.6%EPS, diluted3.09 +11.6%Fiscal year 2020Revenue5.8 +4.2%Operating income11.8Net income10.1 −1.9%EPS, diluted3.02 −2.3%Fiscal year 2021Revenue6.4 +11.9%Operating income13.7Net income11.4 +12.8%EPS, diluted3.41 +12.9%Fiscal year 2022Revenue7.1 +10.8%Operating income14.2Net income11.9 +4.2%EPS, diluted3.55 +4.1%Fiscal year 2023Revenue7.0 −1.9%Operating income15.1Net income12.8 +7.5%EPS, diluted3.82 +7.6%Fiscal year 2024Revenue7.1 +0.7%Operating income14.2Net income11.9 −6.6%EPS, diluted3.57 −6.5%Fiscal year 2025Revenue7.2 +1.6%Net income16.4 +37.1%EPS, diluted4.89 +37.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 4.5 5.0 5.3 5.5 5.8 6.4 7.1 7.0 7.1 7.2
Growth +11.3% +5.8% +5.2% +4.2% +11.9% +10.8% −1.9% +0.7% +1.6%
Operating income 9.4 10.6 10.7 12.3 11.8 13.7 14.2 15.1 14.2 n/a
Net income 6.9 7.4 9.3 10.3 10.1 11.4 11.9 12.8 11.9 16.4
Growth +8.4% +24.4% +11.6% −1.9% +12.8% +4.2% +7.5% −6.6% +37.1%
EPS, diluted 2.05 2.23 2.77 3.09 3.02 3.41 3.55 3.82 3.57 4.89
Growth +8.8% +24.2% +11.6% −2.3% +12.9% +4.1% +7.6% −6.5% +37.0%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Operating margin210.6%Net margin153.8%Free cash flow margin140.0%Fiscal year 2017Operating margin212.5%Net margin149.8%Free cash flow margin244.7%Fiscal year 2018Operating margin202.9%Net margin176.1%Free cash flow margin246.4%Fiscal year 2019Operating margin223.0%Net margin186.8%Free cash flow margin200.9%Fiscal year 2020Operating margin205.5%Net margin175.9%Free cash flow margin198.9%Fiscal year 2021Operating margin212.2%Net margin177.2%Free cash flow margin331.1%Fiscal year 2022Operating margin199.2%Net margin166.6%Free cash flow margin225.6%Fiscal year 2023Operating margin214.7%Net margin182.5%Free cash flow margin193.1%Fiscal year 2024Operating margin200.7%Net margin169.1%Free cash flow margin306.4%Fiscal year 2025Net margin228.3%Free cash flow margin278.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin 210.6% 212.5% 202.9% 223.0% 205.5% 212.2% 199.2% 214.7% 200.7% n/a
Net margin 153.8% 149.8% 176.1% 186.8% 175.9% 177.2% 166.6% 182.5% 169.1% 228.3%
Free cash flow margin 140.0% 244.7% 246.4% 200.9% 198.9% 331.1% 225.6% 193.1% 306.4% 278.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow8.2Capital expenditure−2.0Free cash flow6.2Buybacks−0.0Dividends paid−2.8Fiscal year 2017Operating cash flow13.4Capital expenditure−1.3Free cash flow12.2 +94.5%Buybacks−0.0Dividends paid−2.9Fiscal year 2018Operating cash flow13.3Capital expenditure−0.4Free cash flow12.9 +6.6%Buybacks−0.0Dividends paid−3.1Fiscal year 2019Operating cash flow14.1Capital expenditure−3.0Free cash flow11.1 −14.2%Buybacks−0.0Dividends paid−3.2Fiscal year 2020Operating cash flow12.1Capital expenditure−0.6Free cash flow11.5 +3.2%Buybacks−0.0Dividends paid−3.3Fiscal year 2021Operating cash flow21.6Capital expenditure−0.3Free cash flow21.3 +86.3%Buybacks−0.0Dividends paid−3.5Fiscal year 2022Operating cash flow16.5Capital expenditure−0.4Free cash flow16.1 −24.5%Buybacks0.0Dividends paid−3.5Fiscal year 2023Operating cash flow14.2Capital expenditure−0.6Free cash flow13.5 −16.0%Buybacks−0.5Dividends paid−3.6Fiscal year 2024Operating cash flow22.3Capital expenditure−0.7Free cash flow21.6 +59.8%Buybacks−0.0Dividends paid−3.8Fiscal year 2025Operating cash flow21.3Capital expenditure−1.4Free cash flow19.9 −7.8%Buybacks−0.6Dividends paid−4.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 8.2 13.4 13.3 14.1 12.1 21.6 16.5 14.2 22.3 21.3
Capital expenditure −2.0 −1.3 −0.4 −3.0 −0.6 −0.3 −0.4 −0.6 −0.7 −1.4
Free cash flow 6.2 12.2 12.9 11.1 11.5 21.3 16.1 13.5 21.6 19.9
Growth +94.5% +6.6% −14.2% +3.2% +86.3% −24.5% −16.0% +59.8% −7.8%
Buybacks −0.0 −0.0 −0.0 −0.0 −0.0 −0.0 0.0 −0.5 −0.0 −0.6
Dividends paid −2.8 −2.9 −3.1 −3.2 −3.3 −3.5 −3.5 −3.6 −3.8 −4.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Shareholders’ equity 75.7 80.9 85.8 98.8 110.6 113.8 85.2 105.2 114.6 137.8

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
210.6% 212.5% 202.9% 223.0% 205.5% 212.2% 199.2% 214.7% 200.7% n/a
n/a n/a 105.0% 69.2% 30.7% 34.9% 46.8% 214.7% 200.7% 277.7%
153.8% 149.8% 176.1% 186.8% 175.9% 177.2% 166.6% 182.5% 169.1% 228.3%
140.0% 244.7% 246.4% 200.9% 198.9% 331.1% 225.6% 193.1% 306.4% 278.0%
Spending
44.6% 25.6% 7.6% 53.8% 10.4% 4.5% 5.8% 8.9% 10.2% 18.9%
n/a n/a 25.3% 51.9% 95.5% 99.7% 69.4% 14.9% 15.6% 17.7%
Returns
9.1% 9.2% 10.8% 10.4% 9.2% 10.0% 14.0% 12.2% 10.4% 11.9%
0.9% 1.0% 1.2% 1.2% 1.0% 1.0% 1.0% 1.1% 1.0% 1.3%
Balance and payout
89.8% 89.3% 89.2% 88.0% 89.1% 90.1% 92.6% 90.9% 90.3% 89.2%
41.0% 38.8% 33.5% 31.1% 32.1% 30.8% 29.6% 28.4% 31.6% 24.7%
45.6% 23.9% 24.2% 28.9% 28.5% 16.7% 21.8% 30.6% 17.6% 23.1%