FCAP
First Capital, Inc.66.38
+1.38+2.12%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
222.71MP/E (TTM)
15.05Basic EPS (TTM)
4.41Dividend Yield
0.02%Recent Filings
10-Q
Q3 FY2025 results
First Capital's Q3 2025 results showed net income of $4.5 million, up from $2.9 million a year earlier, driven by net interest income climbing to $11.0 million from $9.1 million on higher yields and asset growth. Diluted EPS rose to $1.34 from $0.87, aligning with 3.35 million weighted shares, while the provision for credit losses dropped to $150,000 from $463,000 amid stable nonperforming loans at $3.9 million. Noninterest income gained from equity gains and loan sales, though offset by security sale losses; expenses edged up on compensation and branch costs. Deposits swelled $28 million to $1.1 billion, bolstering $112 million in cash with no debt outstanding. Balance sheet expanded to $1.24 billion. Yet competition squeezes deposit margins.
8-K
Record Q3 earnings boost
First Capital, Inc. reported record quarterly net income of $4.5 million, or $1.34 per diluted share, for Q3 2025, up from $2.9 million, or $0.87 per share, a year earlier. Net interest income after provision surged $2.1 million, fueled by a tax-equivalent net interest margin expansion to 3.71% from 3.19%, while noninterest income climbed $506,000 on equity gains and loan sales. Expenses rose $540,000 due to branch rebuild costs and wage hikes. Year-to-date, net income hit $11.5 million. Nonperforming assets dipped to $3.9 million.
8-K
Stock repurchase plan launched
First Capital, Inc. entered a Rule 10b5-1/10b18 plan on August 29, 2025, authorizing its broker to repurchase up to 113,236 shares of common stock starting September 4, 2025, through August 28, 2026. This builds on a 2008 board approval for 240,467 shares, with 127,231 already bought, enhancing flexibility in capital allocation amid market conditions. Repurchases hinge on SEC rules and plan constraints. The move signals board confidence in long-term value, yet economic risks like interest rate shifts loom.
10-Q
Q2 FY2025 results
First Capital posted solid Q2 results, with net income jumping 33% year-over-year to $3.8 million, or $1.13 per diluted share, fueled by net interest income up 20% to $10.4 million on higher loan yields and deposit growth. Revenue climbed 15% y/y to $14.0 million, while gross margin held steady amid controlled expenses, though noninterest costs rose 7% from staffing and tech upgrades. Cash swelled to $134.6 million, bolstering liquidity with no debt outstanding. Balance sheet expanded to $1.24 billion, driven by $18 million in net loan growth. Yet deposit competition lingers as a key risk.
8-K
Q2 earnings surge 34%
First Capital reported Q2 net income of $3.8 million, up 34% from $2.8 million last year, driven by net interest income rising $1.8 million on a 44 basis point yield boost and $60 million asset growth. Expenses climbed $494,000 from salary hikes and tech upgrades, yet margins expanded to 3.59%. Balance sheet strengthened with $1.24 billion assets and deposits up $44 million. Nonperforming assets dipped to $4.0 million. Loan growth persists amid macroeconomic uncertainty.
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