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First Capital (FCAP) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 12, 2026 · First Capital (FCAP) Q2 2026 earnings results →
Q2 2026 Revenue up 15% year over year to $14.3M · 33¢ of every $1 of revenue kept as net profit · operating margin 42.1%
First Capital made $14.3M in Q2 2026 (+15% Y/Y). Operating margin 42.1%, net earnings $4.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 12, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $14.3M in Q2 2026, up 15% year over year and up 6% from the previous quarter.
Operating profit was $6.0M, a 42.1% margin (up 4.8 points year over year). Of the extra revenue versus Q2 2025, 74% reached operating profit, above the 37% margin then. Total costs grew 6% against revenue growth of 15%. The fastest-growing cost line was Other operating costs (+39%). Net earnings were $4.8M, up 26% year over year. The effective tax rate was 20.8%.
Operating cash flow was $4.3M (up 14% year over year), 89% of net earnings. Non-cash charges added back $290K of depreciation and amortization and $15K of share-based compensation. Working capital and other items used $819K. Capital expenditures of $704K left free cash flow of $3.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 12, 2026 | $14.3M | +15% | 42.1% | $4.8M | $4.3M |
| Q1 2026 | 10-Q | May 12, 2026 | $13.5M | +18% | 39.8% | $4.3M | $6.3M |
| Q4 2025 | 10-K | Mar 31, 2026 | $13.5M | +19% | 43.1% | $4.9M | $5.2M |
| Q3 2025 | 10-Q | Nov 14, 2025 | $13.3M | +21% | 41.8% | $4.5M | $7.9M |
| Q2 2025 | 10-Q | Aug 14, 2025 | $12.4M | +16% | 37.2% | $3.8M | $3.7M |
| Q1 2025 | 10-Q | May 14, 2025 | $11.4M | +9% | 34.2% | $3.2M | $4.4M |
| Q4 2024 | 10-K | Mar 31, 2025 | $11.3M | +9% | 34.8% | $3.3M | $4.1M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About First Capital
First Capital, Inc. (the “Company,” “First Capital,” “us,” or “we”) was incorporated under Indiana law on September 11, 1998. On December 31, 1998, the Company became the holding company for First Federal Bank, A Federal Savings Bank (the “Bank”) upon the Bank’s reorganization as a wholly owned subsidiary of the Company resulting from the conversion of First Capital, Inc., M.H.C. (the “MHC”), from a federal mutual holding company to a stock holding company. On January 12, 2000, the Company completed a merger of equals with HCB Bancorp, the former holding company for Harrison County Bank, and the Bank changed its name to First Harrison Bank. On March 20, 2003, the Company acquired Hometown Bancshares, Inc. (“Hometown”), a bank holding company located in New Albany, Indiana. On December 4, 2015, the Company acquired Peoples Bancorp, Inc.
In its own words, from its 10-K, filed Mar 31, 2026.
First Capital against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +15% against the peers' median +8%. Operating margin: 42.1% against the peers' median 37.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FCAP First Capital | Q2 2026 | $14.3M | +15% | 42.1% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
Source: First Capital 10-Q on SEC EDGAR · CIK 1070296 · Savings Institution, Federally Chartered
13F: who owns FCAP and who is buying
More on FCAP
History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results