FCAP 8-K SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

FCAP ▲ +2.54% at T+20d

LONG call ✓ call won +2.54% · α vs SPY -2.42% · entry $53.59 → $54.95

Next anchor: T+60d in 6w

Currently $64.99 · +21.27% from $53.59 entry

Entry anchored
Apr 24, 03:59 PM ET
via Databento tick

T+1d

+5.24%

call +5.24% · α +5.73%

$56.40

settled 6w ago

T+5d

-0.54%

call -0.54% · α -0.94%

$53.30

settled 6w ago

T+20d

+2.54%

call +2.54% · α -2.42%

$54.95

settled 19d ago

T+60d

—

call — · α —

—

in 6w

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Executive Summary

First Capital (FCAP) reported Q1 2026 earnings with net income of $4.33 million, or $1.30 per diluted share, up from $3.24 million, or $0.97 per share, in Q1 2025. The increase was driven by higher net interest income due to improved asset yields and lower funding costs, despite a $92,000 loss on sale of securities.

Actionable Insight

The strong YoY earnings growth and expanding net interest margin suggest improving profitability in a rising rate environment; monitor asset quality trends and funding costs in future quarters.

Key Facts

Q1 2026 net income: $4.33 million vs $3.24 million in Q1 2025 (YoY growth: 33.6%)
EPS: $1.30 vs $0.97 in prior year (YoY growth: 34.0%)
Net interest margin (tax-equivalent basis) increased to 3.81% from 3.34% YoY
Average interest-earning assets grew to $1.22 billion from $1.17 billion YoY
Nonperforming assets decreased to $4.0 million from $4.4 million

Financial Impact

Net income increased 33.6% YoY to $4.33 million, with EPS rising to $1.30 from $0.97

net incomeepsnet interest marginaverage interest-earning assets

Risk Factors

Increased noninterest expenses ($7.75 million vs $7.18 million YoY)
Loss on sale of available-for-sale securities ($92,000 in Q1 2026 vs $55,000 loss YoY)

Market Snapshot

Exchange

Nasdaq

Sector

Savings Institution, Federally Chartered

Documents Analyzed

This report is based on 6 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0001104659-26-048657
Document: fcap-20260424x8k.htm	0001104659-26-048657
Document: 0001104659-26-048657-index-headers.html	0001104659-26-048657
Document: 0001104659-26-048657-index.html	0001104659-26-048657
Document: 0001104659-26-048657.txt	0001104659-26-048657
8-K Data (Synthetic)	0001104659-26-048657

3 reports for FCAP

T+1T+5T+20T+60

Filters

Reports for FCAP — sortable, filterable
	Type				Now
May 19, 2026 21d ago	Press Release NEUTRAL ★ 2/10	$54.65 $61.91	▲ +13.28%	▲ +11.48%	$64.99 (+18.92%)
Apr 24, 2026 6w ago	8-K BULLISH ★ 7/10	$53.59 $53.30	▼ −0.54%	▼ −0.94%	$64.99 (+21.27%)
Apr 8, 2026 8w ago	DEFA14A NEUTRAL ★ 3/10	$53.57 $52.63	▼ −1.75%	▼ −4.94%	$64.99 (+21.32%)

US Market Status

Market Closed — Opens Thu (9h 47m)

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