FIRST CAPITAL INC — Form 8-K
Filed July 24, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 28/100
What the filing says
First Capital Inc (NASDAQ: FCAP) reported Q2 2026 net income of $4.8M ($1.43 diluted EPS) versus $3.8M ($1.13 EPS) in Q2 2025—a 26% increase. Six-month 2026 net income was $9.1M ($2.72 EPS) versus $7.0M ($2.09 EPS) in 2025. Key drivers: net interest margin expanded 39 bps to 3.98% (tax-equivalent) due to higher yields on interest-earning assets (5.12% vs 4.82%) and lower deposit costs (1.56% vs 1.64%). Net loans grew $14M and deposits grew $13.7M in the first half. Nonperforming assets increased modestly from $4.4M to $4.9M.
Why this rating
Solid earnings growth and margin expansion are encouraging, but relative to company size (~$132M market cap, $1.3B assets), the $2M incremental net income gain YoY is modest. Routine quarterly results with no material transactions, acquisitions, or strategic shifts.
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