FCAP - NASDAQ
First Capital, Inc.
$61.12
+2.0%First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers. The company offers various deposit instruments, including non-interest bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also provides real estate mortgage loans, such as fixed-rate and adjustable rate mortgage residential loans, construction loans for residential and commercial properties, and commercial real estate loans, as well as commercial business loans. In addition, the company originates mortgage loans for sale in the secondary market and sells non-deposit investment products; and offers various secured or guaranteed consumer loans comprising automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans, and loans secured by savings deposits, as well as unsecured consumer loans. It provides its products and services through 18 locations in Indiana and Kentucky. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.
At a Glance
Live SnapshotFirst Capital, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
First Capital, Inc. Cash Flow Statement
FCAP • NASDAQ
| First Capital, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
16.4M | 11.9M | 12.8M | 11.9M | 11.4M | 10.1M | 10.3M | 9.3M | 7.5M | 6.9M | 5.2M | 5.6M | 5.1M | 3.9M | 4M | 3.9M | 778K | 3.6M | 3.4M | 3.7M | |
0.0 | 1.1M | 1M | 1.1M | 1.1M | 1.2M | 1.1M | 1.2M | 1.2M | 1.2M | 756K | 698K | 707K | 758K | 916K | 899K | 975K | 885K | 771K | 781K | |
0.0 | 1.6M | 1.3M | 237K | 224K | 259K | 843K | -66K | 348K | 220K | 672K | 285K | 200K | -478K | 273K | 149K | -939K | -5K | -63K | -159K | |
104K | 202K | 252K | 436K | 487K | 381K | 288K | 192K | 88K | 82K | 71K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 206K | 0.0 | 0.0 | |
4.4M | 3.2M | 2.9M | 5M | 7.1M | 410K | 2.1M | 3.6M | 4.7M | 227K | -665K | 670K | 3.6M | 1.8M | 4.3M | -184K | 4.7M | 468K | -302K | 555K | |
(194K) | (154K) | (1.8M) | (2.3M) | (2M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
603K | 4.3M | -4.1M | -2.1M | 1.2M | -334K | -609K | -817K | -405K | -353K | -39K | -351K | 232K | 1.4M | -152K | 865K | -2.9M | -113K | 2.5M | -1.2M | |
21.5M | 22.3M | 14.2M | 16.5M | 21.6M | 12.1M | 14.1M | 13.3M | 13.4M | 8.2M | 6M | 6.9M | 9.8M | 7.4M | 9.3M | 5.6M | 2.6M | 5M | 6.3M | 3.7M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -717K | -627K | -415K | -288K | -602K | -3M | -402K | -1.3M | -2M | -1.1M | -559K | -297K | -762K | -580K | -227K | -1.1M | -1.6M | -2.1M | -70K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (18.7M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -63.6M | -39.5M | -99.4M | -254.7M | -105.8M | -70.5M | -40.4M | -48.9M | -184.8M | -34M | -27.8M | -26.4M | -64.3M | -43.5M | -57.8M | -41.6M | -36.5M | -14.2M | -9.1M | |
0.0 | 82.2M | 58.8M | 7.9M | 44M | 32.6M | 52.3M | 17.7M | 7.2M | 91.3M | 62.9M | 27.1M | 22.7M | 37M | 24.1M | 49.6M | 16.4M | 21.7M | 9.3M | 10M | |
-42M | 11.1M | -42.6M | -52.1M | 54.6M | 11.3M | 29K | 999K | 2.6M | -746K | 8.5M | -4.3M | 671K | 8.1M | 26.8M | 15.1M | 21M | 16.9M | -803K | -8.6M | |
-42M | (29M) | -23.9M | -144M | -156.5M | -62.4M | -21.1M | -22.1M | -40.4M | -96.2M | (55M) | -5.6M | -3.3M | -20M | (6.8M) | (6.7M) | -5.4M | (530K) | -7.8M | -7.8M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-578K | -41K | -502K | -26K | -40K | -13K | -2K | -32K | -16K | -34K | -10K | -908K | -19K | -14K | -27K | -43K | -626K | -348K | -572K | -113K | |
0.0 | -21.5M | 21.5M | 0.0 | 0.0 | 0.0 | 0.0 | -10M | 10M | 0.0 | 0.0 | -5.5M | 400K | -7.3M | -3.4M | -9M | -23.1M | -12.9M | -2.4M | 2M | |
-4M | -3.8M | -3.6M | -3.5M | -3.5M | -3.3M | -3.2M | -3.1M | -2.9M | -2.8M | -2.4M | -2.3M | -2.2M | -2.1M | -2.1M | -2.1M | -2M | -2M | -1.9M | -1.8M | |
-578K | -41K | -502K | -26K | -40K | -13K | -2K | -32K | -16K | -34K | -10K | -908K | -19K | -14K | -27K | -43K | -626K | -348K | -680K | -138K | |
56.5M | 41.2M | -35.2M | 24.8M | 135M | 178.2M | 20.5M | 37.1M | -90K | 27.5M | 15.5M | 29.5M | -15.3M | 24.9M | -13.2M | 4.5M | 22.1M | 16.8M | -3M | 13.9M | |
51.9M | 15.9M | -17.8M | 21.3M | 131.5M | 174.9M | 17.3M | 23.9M | 7M | 24.6M | 13M | 20.8M | -17.2M | 15.5M | -18.7M | -6.6M | -3.5M | 1.6M | -7.9M | 14M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-521K | 67.2M | -27.6M | -106.2M | -3.4M | 124.5M | 10.2M | 15.2M | -20M | -63.4M | 74M | 22.1M | -10.7M | 2.9M | -2.7M | 5.7M | -6.3M | 7.1M | -9.4M | 9.8M | |
2.9M | 38.7M | 66.3M | 172.5M | 175.9M | 51.4M | 41.1M | 25.9M | 45.9M | 109.2M | 35.3M | 11.1M | 21.8M | 18.9M | 21.6M | 15.9M | 22.1M | 15.1M | 24.5M | 14.7M | |
2.3M | 105.9M | 38.7M | 66.3M | 172.5M | 175.9M | 51.4M | 41.1M | 25.9M | 45.8M | 109.2M | 33.2M | 11.1M | 21.8M | 18.9M | 21.6M | 15.9M | 22.1M | 15.1M | 24.5M | |
20.1M | 21.6M | 13.5M | 16.1M | 21.3M | 11.5M | 11.1M | 12.9M | 12.2M | 6.2M | 4.9M | 6.4M | 9.5M | 6.6M | 8.7M | 5.4M | 1.5M | 3.4M | 4.2M | 3.6M |
SEC Filings
FCAP - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 22, 2026 | May 18, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 12, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 08, 2026 | May 18, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 31, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 19, 2026 | February 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 23, 2026 | January 23, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 14, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 24, 2025 | October 24, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 29, 2025 | August 29, 2025 | 2025 |
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