First Capital, Inc.
Financial ServicesNASDAQ:FCAP · NASDAQ Capital Market
+$0.18 today
Vol 0.00M · Avg 0.00M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$67.1M of revenue converted into $17.5M of net income for the selected period. Gross margin is 76.7% and net margin is 26.0%, showing how much revenue survives after costs and taxes. EPS is $5.23, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $65.3M +12.4% | $58.1M +13.4% | $51.2M +22.4% | $41.9M +7.3% | $39.0M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $15.8M -1.8% | $16.1M +58.8% | $10.2M +299.3% | $2.5M +216.8% | $803.0K | $725.6M | $804.0M | $882.4M |
| Gross Profit | $49.5M +17.8% | $42.0M +2.2% | $41.1M +4.5% | $39.3M +2.9% | $38.2M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 75.7% +3.5pp | 72.3% -7.9pp | 80.2% -13.7pp | 93.9% -4.0pp | 97.9% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $0 -100.0% | $15.9M +3.7% | $15.3M +1.9% | $15.1M +1.1% | $14.9M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $29.6M +6.2% | $27.8M +6.9% | $26.0M +3.7% | $25.1M +2.3% | $24.5M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $0 -100.0% | $1.1M +6.7% | $1.0M -4.0% | $1.1M -6.3% | $1.1M | $374.2M | $1.2B | $631.8M |
| EBITDA | $19.9M +30.4% | $15.3M -5.1% | $16.1M +5.1% | $15.3M +3.3% | $14.8M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 30.5% +4.2pp | 26.3% -5.1pp | 31.4% -5.2pp | 36.6% -1.4pp | 38.0% | 5.6% | 46.3% | 42.0% |
| Operating Income | $19.9M +40.5% | $14.2M -5.9% | $15.1M +5.7% | $14.2M +4.1% | $13.7M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 30.5% +6.1pp | 24.4% -5.0pp | 29.4% -4.6pp | 34.0% -1.1pp | 35.1% | 16.6% | 24.1% | 22.0% |
| Interest Income | $56.8M +12.8% | $50.4M +15.7% | $43.5M +28.4% | $33.9M +15.2% | $29.4M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $14.7M +0.1% | $14.7M +62.8% | $9.0M +465.7% | $1.6M +41.3% | $1.1M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $19.9M +40.5% | $14.2M -5.9% | $15.1M +5.7% | $14.2M +4.1% | $13.7M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 30.5% +6.1pp | 24.4% -5.0pp | 29.4% -4.6pp | 34.0% -1.1pp | 35.1% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $3.5M +59.3% | $2.2M -1.4% | $2.2M -3.1% | $2.3M +3.6% | $2.2M | $1.3B | -$1.6B | $745.2M |
| Net Income | $16.4M +37.1% | $11.9M -6.6% | $12.8M +7.5% | $11.9M +4.2% | $11.4M | $4.9B | $4.8B | $4.7B |
| Net Margin | 25.1% +4.5pp | 20.5% -4.4pp | 25.0% -3.5pp | 28.4% -0.9pp | 29.3% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $5 +37.0% | $4 -6.5% | $4 +7.6% | $4 +4.1% | $3 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $5 +37.0% | $4 -6.5% | $4 +7.6% | $4 +4.1% | $3 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $3.3M -0.0% | $3.3M -0.0% | $3.3M -0.2% | $3.4M +0.3% | $3.3M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $3.3M +0.1% | $3.3M -0.0% | $3.3M -0.2% | $3.4M +0.3% | $3.3M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
Peoples Bancorp of North Carolina, Inc.
NASDAQ:PEBK
$242.33M
Citizens Community Bancorp, Inc.
NASDAQ:CZWI
$206.96M
CF Bankshares Inc.
NASDAQ:CFBK
$201.13M
Eagle Bancorp Montana, Inc.
NASDAQ:EBMT
$187.90M
Landmark Bancorp, Inc.
NASDAQ:LARK
$182.93M
MainStreet Bancshares, Inc.
NASDAQ:MNSB
$177.44M
Hanover Bancorp, Inc.
NASDAQ:HNVR
$171.33M
ECB Bancorp, Inc.
NASDAQ:ECBK
$169.13M
Finward Bancorp
NASDAQ:FNWD
$147.18M
Richmond Mutual Bancorporation, Inc.
NASDAQ:RMBI
$145.52M
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does FCAP generate?
First Capital, Inc. (FCAP) reported $65.31M of revenue in fiscal 2025.
Is FCAP profitable?
First Capital, Inc. (FCAP) reported $16.37M of net income, with a net margin of 25.1%.
Explore More
Continue the stock analysis
Jump to another research area for this company.