Stock Ratings / Financials / FCAP / financials

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

First Capital Inc. (FCAP) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FCAP Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FCAP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FCAP compare to CZWI and FNWD in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FCAP?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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 →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How FCAP Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$19.9M (0.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$16.4M	$19.9M	11.9%
FY 2024	$4.00B	52%	0.4%	$11.9M	$21.6M	9.8%
FY 2023	$4.00B	52%	0.4%	$12.8M	$14.2M	11.9%

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

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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?

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

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

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).