First Capital 3Q 2026: Revenue $14.8M, EPS $1.53 — 10-Q Summary

First Capital reported 3Q 2026 revenue of $14.8M, up 11.6% YoY, and net income of $5.1M, up 14% YoY. EPS rose to $1.53. Net interest margin expanded to 4.08% from 3.71%, but higher provisions and expenses partly offset gains. The company plans to acquire First Bancorp in a $33.2M all-stock deal.

Original reporting
Published Nov 12, 2026, 9:41 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Nov 12, 2026, 9:49 PM UTC. Informational, not investment advice.
How this was made
AlphAI summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
First Capital 3Q 2026: Revenue $14.8M, EPS $1.53 — 10-Q Summary — source image
Decision brief

The 30-second read

$FCAPBullishMed
01

Why it matters

The acquisition is the primary catalyst, likely driving short‑term price movement.

02

Market read

A small‑cap bank acquisition that could boost earnings and attract interest from value‑oriented investors.

03

What to watch

Potential regulatory review delays and integration risk for a small bank with limited resources.

Relevance 6/10Novelty 6/10Timing: post‑earnings filing, immediate reaction expected

Background

First Capital's 10‑Q for Q3 2026 shows revenue of $14.8 M, EPS $1.53, and a pending all‑stock acquisition of First Bancorp.

Company-level read

Ticker impact

$FCAPBullishHigh confidence
Context

First Capital announced an all‑stock acquisition of First Bancorp valued at ~$33.2 million, disclosed in its 10‑Q filing.

Expected impact

potential upside as investors price in the acquisition premium and expected earnings accretion

Evidence & confidence

Acquisition announcements for small banks typically generate buying interest, especially when the price is modest and the target is integrated in the first half of 2027.

Market effects

Adds consolidation pressure in the regional banking sector, may prompt peers to consider similar deals.

Minor impact on U.S. community banking landscape; limited broader market effect.

Low; the transaction is small and confined to U.S. regional banks.

Counterpoint

The acquisition could dilute existing shareholders if integration costs exceed synergies, suggesting caution.

Key entities

  • First Capital Inc.

    Issuer of the 10‑Q and acquirer in the announced transaction.

  • First Bancorp

    Target of the all‑stock acquisition.

Related articles

$FCAPHigh

A bank merger would expand First Capital's reach across southern Indiana and western Kentucky.

First Capital (FCAP) and First Bancorp (FBPI) announced a merger, valued at approximately $200M, expected to close in H1 2027. First Bancorp shareholders will receive 0.3075 shares of First Capital common stock per share. The deal expands First Capital's presence in southern Indiana and western Kentucky. Both companies' boards approved the agreement, which requires regulatory and shareholder approvals.

$FCAPMed

FIRST CAPITAL, INC. REPORTS QUARTERLY EARNINGS

FIRST CAPITAL INC (FCAP) filed an SEC Form 8-K — Results of Operations and Financial Condition. Exhibit 99.1 FIRST CAPITAL, INC. REPORTS QUARTERLY EARNINGS Corydon, Indiana — (BUSINESS WIRE) — October 23, 2026. First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $5.1 million, or $1.53 per

$FCAPMed

FIRST CAPITAL, INC. REPORTS QUARTERLY EARNINGS

FIRST CAPITAL INC (FCAP) filed an SEC Form 8-K — Results of Operations and Financial Condition. EX-99.1 2 fcap-20260724xex99d1.htm EX-99.1 Exhibit 99.1 FIRST CAPITAL, INC. REPORTS QUARTERLY EARNINGS Corydon, Indiana — (BUSINESS WIRE) — July 24, 2026. First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported

$MODMedAI 8/10

Samsung in talks to buy AI data center cooling maker Modine

Samsung Electronics is in talks to acquire Modine Manufacturing, a maker of data center cooling systems, according to Bloomberg. Modine's market value was $5.6 billion as of Thursday's close, and its shares jumped 29% in extended trading after the report. The deal is not finalized, and no price has been disclosed. Samsung has previously expressed interest in M&A in areas including HVAC, robotics, and medical technology.

$MODHighAI 8/10

Why is Modine Manufacturing stock surging after-hours today?

Modine Manufacturing's stock surged 27.2% in after-hours trading following a Bloomberg report that Samsung Electronics is in discussions to acquire the company. Modine specializes in cooling systems for data centers and recently completed a spin-off, focusing on climate solutions. The company's Data Centers segment reported 95% year-over-year revenue growth and record orders. Samsung aims to expand its AI infrastructure footprint.

$RAINHighAI 8/10

Rain Enhancement Technologies and Tensor Networks Enter into Definitive Merger Agreement for Strategic Business Combination

Rain Enhancement Technologies (RAIN) and Tensor Networks agreed to merge, with Tensor Networks becoming a subsidiary. The all-stock deal, expected to close in February 2027, will make RAIN a multi-technology holding company. Tensor Networks' equity holders will own 90% of the combined entity, with RAIN shareholders retaining 10%. The transaction is subject to shareholder approval, financing, and other conditions.