First Capital INC (FCAP) — SEC Filings

Overview

First Capital INC (FCAP) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 14, 2025: First Capital, Inc. reported a significant increase in net income, reaching $4.48 million for the three months ended September 30, 2025, up 54.5% from $2.90 million in the same period of 2024. For the nine months, net income attributable to First Capital, Inc. rose to $11.49 million in 2025 from $8.

Sentiment Summary

Across 25 filings, the sentiment breakdown is: 2 bullish, 23 neutral. The dominant filing sentiment for First Capital INC is neutral.

Filing Type Overview

First Capital INC (FCAP) has filed 1 ARS, 6 10-Q, 14 8-K, 2 DEF 14A, 2 10-K with the SEC between Jan 2024 to Apr 2026.

Filings by Year

2026 · 2025 · 2024

Recent Filings (25)

• ARS Filing — ARS · Apr 8, 2026
• First Capital's Q3 Net Income Soars 54.5% on Strong Interest Gains — 10-Q · Nov 14, 2025 Risk: medium
  First Capital, Inc. reported a significant increase in net income, reaching $4.48 million for the three months ended September 30, 2025, up 54.5% from $2.90 mil
• First Capital, Inc. Files 8-K for Financials — 8-K · Oct 24, 2025 Risk: low
  First Capital, Inc. filed an 8-K report on October 24, 2025, to disclose information regarding its results of operations and financial condition, as well as fin
• First Capital, Inc. Files 8-K Report — 8-K · Aug 29, 2025 Risk: low
  On August 29, 2025, First Capital, Inc. filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits." No specific f
• First Capital's Net Income Jumps 33.5% on Strong Net Interest Growth — 10-Q · Aug 14, 2025 Risk: medium
  First Capital, Inc. reported a significant increase in net income attributable to the company, rising to $3.775 million for the three months ended June 30, 2025
• First Capital Inc. Files 8-K on Financials — 8-K · Jul 25, 2025 Risk: low
  First Capital, Inc. filed an 8-K report on July 25, 2025, to disclose information regarding its results of operations and financial condition, as well as financ
• First Capital, Inc. Reports on Security Holder Vote — 8-K · May 28, 2025 Risk: low
  First Capital, Inc. filed an 8-K on May 28, 2025, reporting on matters submitted to a vote of its security holders as of May 21, 2025. The filing details the co
• First Capital Inc. Files Q1 2025 10-Q — 10-Q · May 14, 2025 Risk: low
  First Capital Inc. filed its 10-Q for the period ending March 31, 2025. The filing details financial performance and operational updates for the first quarter o
• First Capital Inc. Files 8-K on Financials — 8-K · Apr 25, 2025 Risk: low
  First Capital, Inc. filed an 8-K on April 25, 2025, reporting on its Results of Operations and Financial Condition. The filing includes financial statements and
• First Capital Inc. Files Definitive Proxy Statement — DEF 14A · Apr 11, 2025 Risk: low
  First Capital Inc. filed its definitive proxy statement (DEF 14A) on April 11, 2025, for its annual meeting. The filing outlines the company's governance, execu
• First Capital Inc. Files 2024 10-K — 10-K · Mar 31, 2025 Risk: low
  First Capital Inc. filed its 2024 10-K on March 31, 2025, reporting on its fiscal year ending December 31, 2024. The company, a federally chartered savings inst
• First Capital Inc. Files 8-K — 8-K · Feb 20, 2025 Risk: low
  First Capital, Inc. filed an 8-K on February 20, 2025, reporting an event that occurred on February 19, 2025. The filing indicates 'Other Events' and 'Financial
• First Capital Inc. Files 8-K on Financials — 8-K · Jan 24, 2025 Risk: low
  First Capital, Inc. filed an 8-K on January 24, 2025, reporting on its results of operations and financial condition. The filing includes financial statements a
• First Capital Inc. Files Q3 2024 10-Q Report — 10-Q · Nov 14, 2024 Risk: low
  First Capital Inc. filed its 10-Q for the period ending September 30, 2024. The filing details financial performance and operational updates for the third quart
• First Capital Inc. Files 8-K on Financials — 8-K · Oct 25, 2024 Risk: low
  First Capital, Inc. filed an 8-K on October 25, 2024, reporting on its results of operations and financial condition. The filing includes financial statements a
• First Capital Inc. Files Q2 2024 10-Q — 10-Q · Aug 14, 2024 Risk: low
  First Capital Inc. filed its 10-Q for the period ending June 30, 2024. The filing details the company's financial performance and position, including its assets
• First Capital, Inc. Files 8-K on Financials — 8-K · Jul 26, 2024 Risk: low
  First Capital, Inc. filed an 8-K on July 26, 2024, reporting on its results of operations and financial condition. The filing includes financial statements and
• First Capital Inc. Reports Director/Officer Changes & Shareholder Votes — 8-K · May 29, 2024 Risk: medium
  First Capital, Inc. filed an 8-K on May 29, 2024, reporting events as of May 22, 2024. The filing primarily concerns the departure of directors or certain offic
• First Capital Inc. Files 10-Q for Q1 2024 — 10-Q · May 14, 2024 Risk: low
  FIRST CAPITAL INC (FCAP) filed a Quarterly Report (10-Q) with the SEC on May 14, 2024. Total assets were $461,495,000 for Q1 2024, a slight decrease from $468,5
• First Capital, Inc. Files 8-K on Financials — 8-K · Apr 26, 2024 Risk: low
  First Capital, Inc. filed an 8-K on April 26, 2024, reporting on its Results of Operations and Financial Condition. The filing includes financial statements and
• First Capital Inc. Announces 2024 Annual Meeting of Shareholders — DEF 14A · Apr 11, 2024 Risk: low
  FIRST CAPITAL INC (FCAP) filed a Proxy Statement (DEF 14A) with the SEC on April 11, 2024. The annual meeting of shareholders for First Capital, Inc. will be he
• FIRST CAPITAL INC. Files 2023 Annual Report on Form 10-K — 10-K · Mar 29, 2024 Risk: medium
  FIRST CAPITAL INC (FCAP) filed a Annual Report (10-K) with the SEC on March 29, 2024. Total assets increased to $468,549,000 in 2023 from $433,321,000 in 2022.
• FIRST CAPITAL Files 8-K for 'Other Events' and Exhibits — 8-K · Feb 21, 2024 Risk: low
  FIRST CAPITAL, INC. filed an 8-K on February 21, 2024, reporting 'Other Events' and 'Financial Statements and Exhibits'. The filing indicates no specific materi
• FIRST CAPITAL INC. Files 8-K on Financial Condition — 8-K · Jan 31, 2024
  FIRST CAPITAL, INC. filed an 8-K on January 31, 2024, reporting an event that occurred on January 30, 2024, related to its Results of Operations and Financial C
• First Capital Inc. Changes Certifying Accountant on Jan 16, 2024 — 8-K · Jan 22, 2024
  First Capital, Inc. announced on January 16, 2024, that it has changed its independent registered public accounting firm. This change is a routine disclosure an

Risk Profile

Risk Assessment: Of FCAP's 22 recent filings, 0 were flagged as high-risk, 4 as medium-risk, and 18 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from First Capital INC's most recent 10-Q filing (Nov 14, 2025):

• Revenue: $14,658,000
• Net Income: $4,478,000
• EPS: $1.34
• Debt-to-Equity: N/A
• Cash Position: $112,177,000
• Operating Margin: N/A
• Total Assets: $1,235,477,000
• Total Debt: $0

Key Executives

• Kathryn W. Ernstberger
• Michael C. Frederick

Industry Context

First Capital operates within the community banking sector, characterized by a focus on local markets and relationship-based lending. The industry is currently navigating a landscape of evolving interest rate environments and increasing competition from larger financial institutions and fintech companies. Deposit growth remains crucial, with a trend towards attracting noninterest-bearing deposits for cost efficiency.

Top Tags

financial-reporting (7) · 8-k (6) · financials (5) · 8-K (4) · 10-Q (4) · quarterly-report (3) · Regional Banking (2) · Earnings Growth (2) · Net Interest Income (2) · Financial Performance (2)

Key Numbers

• Net Income (Q3 2025): $4.48M — Increased 54.5% from $2.90M in Q3 2024
• Net Income (9M 2025): $11.49M — Increased 32.4% from $8.68M in 9M 2024
• Total Assets: $1.24B — Increased from $1.19B at Dec 31, 2024
• Total Deposits: $1.09B — Increased from $1.07B at Dec 31, 2024
• Loans, net: $642.33M — Increased from $631.20M at Dec 31, 2024
• Gross Unrealized Losses (AFS): $19.78M — Represents market risk on securities available for sale
• Basic EPS (Q3 2025): $1.34 — Increased from $0.87 in Q3 2024
• Dividends per share (Q3 2025): $0.31 — Increased from $0.29 in Q3 2024
• Allowance for Credit Losses: $9.86M — Increased from $9.28M in 2024, indicating prudent risk management
• Q3 Net Income Growth: 54.5% — Year-over-year increase for the three months ended September 30, 2025
• Net Income Attributable to FCAP (Q2 2025): $3.775M — Increased 33.5% from $2.828M in Q2 2024
• Net Income Attributable to FCAP (H1 2025): $7.010M — Increased 21.3% from $5.780M in H1 2024
• Net Interest Income (Q2 2025): $10.412M — Increased 20.3% from $8.657M in Q2 2024
• Total Assets (June 30, 2025): $1.242B — Increased 4.6% from $1.187B at Dec 31, 2024
• Total Deposits (June 30, 2025): $1.110B — Increased from $1.066B at Dec 31, 2024

Frequently Asked Questions