CZWI (60) FNWD (65) BVFL (62) BCBP (49) ⌘ Pro Terminal →

First Capital Inc. (FCAP) — RQD Stock Rating Cockpit

$63.80 -1.39% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $63.52

First Capital Inc. (FCAP) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $213.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $63.52 (-0.44%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FCAP)Realized 20D OHLCV Swing Band: ±6.3%

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY FCAP SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (28% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$62.70-2.5% Next Q

Q2 (-2Q)

Grade C-$61.16+3.6% Next Q

Q3 (-1Q)

Grade C$63.35+0.7% Next Q

Current

Grade D+$63.80+0% Hist 90D α

Trajectory: C- (50) → D+ (58)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FCAP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, FCAP faces multiple-compression risk if 13.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($62.55) or 200D SMA ($58.26) invalidates the momentum regime and cuts Target Base ($63.80) toward Bear Floor ($49.76).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FCAP• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FCAP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 58%NO 42%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

48.230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE75% OF RANGE

L: $43$63.80H: $71

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 22 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on FCAP

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

11.9% ROIC with 42.0% gross margin and 9.34% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (57)

22/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like FCAP

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FCAP)

✓Walkthrough of FCAP's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FCAP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.97%⚡ TESTING RESISTANCE

2026-10-30O $63.00H $63.80L $61.01C $63.80VOL 13.1K

RES: $64.73SUP: $58.71SMA50: $62.55SMA200: $58.26

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FCAP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FCAP Butterfly Map → + Track FCAP →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FCAP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FCAP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FCAP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FCAP)

Financials Rank #619 of 1096 ⚔️ CZWI vs FCAP Full Matrix →

1. Head-to-Head Financials Peer Comparison (FCAP vs. CZWI, FNWD, BVFL, BCBP)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Capital Inc. (FCAP) ranks #619 by composite RQD confidence (58/100, grade D+) and #875 by equity capitalization ($213.4M). Within this direct 5-issuer industry benchmark cohort, FCAP leads on earnings valuation at 13.0x trailing P/E, while FCAP leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. FNWD currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with FCAP at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FCAP ACTIVE First Capital Inc.	D+	58/100	13.0x	—	11.9%	-1.39%	$213.4M	Benchmark Subject
CZWI Citizens Community Bancorp Inc.	C-	60/100	15.8x	—	7.7%	-0.38%	$228.4M	/czwi-vs-fcap →
FNWD Finward Bancorp	C	65/100	23.5x	—	4.6%	+0.48%	$190.2M	/fnwd-vs-fcap →
BVFL BV Financial Inc.	C	62/100	14.0x	—	7.3%	+1.00%	$189.1M	/bvfl-vs-fcap →
BCBP BCB Bancorp Inc. (NJ)	D	49/100	—	—	-4.1%	+0.47%	$264.8M	/bcbp-vs-fcap →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001070296

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Capital Inc. (FCAP) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $16.4M, operating cash flow of $21.3M, and free cash flow of $19.9M (-7.8% YoY). On the balance sheet, FCAP closed FY2025 with $1.27B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$16.4M	$21.3M	$19.9M	$1.27B	—
FY2024 (FY)	2024-12-31	$0	$11.9M	$22.3M	$21.6M	$1.19B	—
FY2023 (FY)	2023-12-31	$0	$12.8M	$14.2M	$14.2M	—	—

3. FCAP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FCAP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, First Capital Inc. (NASDAQ: FCAP) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $63.80 (-1.39% 1D, market cap $213.4M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FCAP ranks #619 in composite RQD confidence.

How does FCAP compare to CZWI and FNWD in the Financials sector?

Within the Financials sector (Savings Institutions), FCAP carries a Roarable D+ (58/100 RQD), trailing P/E of 13.0x, gross margin of —, and ROIC of 11.9%. By comparison, CZWI (Citizens Community Bancorp Inc.) holds a C- grade (60/100 RQD, P/E 15.8x, ROIC 7.7%, cap $228.4M) and FNWD (Finward Bancorp) posts a C grade (65/100 RQD, P/E 23.5x, ROIC 4.6%, cap $190.2M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FCAP?

Per FCAP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001070296), First Capital Inc. generated $0 in revenue, $16.4M in net income, and $19.9M in free cash flow against $1.27B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FCAP trading relative to its 50-day, 200-day, and 52-week technical levels?

FCAP last traded at $63.80 (-1.39% on volume of 15,946 shares), positioning the stock +2.00% above its 50-day simple moving average ($62.55) and +9.51% above its 200-day simple moving average ($58.26). Across its 52-week range of $42.71 to $71.00, FCAP sits at the 74.5% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of ±6.3% ($59.78 to $67.82).

FCAP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FCAP stock right now?

First Capital Inc. (FCAP) currently earns a Roarable Rating of D+ (Sell — SELL) with 58/100 RQD Confidence. Stretched risk/reward at 13x P/E (12% return on capital) under elevated 10-year interest-rate pressure.

What is FCAP's 12-month price target and RQD AI Jury consensus?

FCAP's 12-month base price target is $63.8 (range $49.76 to $75.28), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: FCAP RQD Cockpit FCAP 12M Forecast FCAP Earnings & Move FCAP Dividends & DRIP FCAP Insiders & 13F FCAP Whale Options FCAP Profit Sankey FCAP News & Why