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Stock Ratings / Financials / FCAP / earnings
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First Capital Inc. (FCAP) Next Earnings Date & Expected ±5.8% Move

$64.15 +2.48% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $64.31

First Capital Inc. (FCAP) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $209.4M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 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 2026-11-03, First Capital Inc. (NASDAQ: FCAP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $64.15 (+2.48% 1D, market cap $209.4M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, FCAP ranks #252 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 C (65/100 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 (62/100 RQD, P/E 15.8x, ROIC 7.7%, cap $226.1M) and FNWD (Finward Bancorp) posts a C grade (65/100 RQD, P/E 23.5x, ROIC 4.6%, cap $187.7M). 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 $534.2M in revenue (+1246.6% YoY), $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: $64.32 (+0.26%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 3.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510065
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 C · Rk B-
Cash (11)Whales (10)SEC (13)Macro (15)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.1% Base Target
$78 Bull$66 Base$52 Bear
📬 FREE FCAP RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FCAP)Realized 20D OHLCV Swing Band: ±5.8%
Deterministic 5-Pillar Attribution (65/100 Composite)
🔍 WHY FCAP SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

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

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (23% of score)

FRED Regime × Technicals: 76% of 52W Range • RSI-14 at 48.2 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
57
Grade C$62.29-1.7% Next Q
Q2 (-2Q)
60
Grade C$61.22+6.2% Next Q
Q3 (-1Q)
62
Grade C+$65.03-1.4% Next Q
Current
65
Grade C$64.15+1.3% Hist 90D α
Trajectory: C (57) → C (65)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 65/100 (C) 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 ($62.60) or 200D SMA ($58.39) invalidates the momentum regime and cuts Target Base ($66.17) toward Bear Floor ($51.61).

🎲 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 65%NO 35%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±5.8% Swing Band

±$3.72 Expected Swing
$60.43 (-5.8%)Spot $64.15$67.87 (+5.8%)
MODEL EARNINGS SETUP GAUGE

FCAP Quantitative Pre-Earnings Setup: 65/100

Trailing EPS: $4.89 • YoY Revenue Growth: 12.4%

Model Bullish Setup (65/100)Model Risk Weight (35/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$534.2M$16.4M$19.9M52%
FY 20242024-12-31$39.7M$11.9M$21.6M52%
FY 20232023-12-31$42.1M$12.8M$14.2M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating FCAP & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on FCAP
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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FCAP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.36%▲ ASCENDING CHANNEL
2026-11-03O $63.80H $64.15L $62.60C $64.15VOL 13.2K
RES: $66.37SUP: $58.76SMA50: $62.60SMA200: $58.39
$69.98$64.06$58.15$52.23$46.31RES $66.37SUP $58.76$64.152026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
4.2%/yr Implied 5Y Growth

vs. +1246.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

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 #252 of 1097 ⚔️ 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 1097 tracked Financials securities in the Roarable RQD universe, First Capital Inc. (FCAP) ranks #252 by composite RQD confidence (65/100, grade C) and #877 by equity capitalization ($209.4M). 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. BVFL currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with FCAP at 65/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FCAP ACTIVE
First Capital Inc.
C 65/100 13.0x — 11.9% +2.48% $209.4M Benchmark Subject
CZWI
Citizens Community Bancorp Inc.
C 62/100 15.8x — 7.7% +0.73% $226.1M /czwi-vs-fcap →
FNWD
Finward Bancorp
C 65/100 23.5x — 4.6% +2.56% $187.7M /fnwd-vs-fcap →
BVFL
BV Financial Inc.
C+ 67/100 14.0x — 7.3% +0.78% $185.5M /bvfl-vs-fcap →
BCBP
BCB Bancorp Inc. (NJ)
D 49/100 — — -4.1% +0.79% $272.5M /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 $534.2M (+1246.6% vs. FY2024 revenue of $39.7M , and +1167.7% cumulative change since FY2023) , 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 $534.2M $16.4M $21.3M $19.9M $1.27B —
FY2024 (FY) 2024-12-31 $39.7M $11.9M $22.3M $21.6M $1.19B —
FY2023 (FY) 2023-12-31 $42.1M $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 2026-11-03, First Capital Inc. (NASDAQ: FCAP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $64.15 (+2.48% 1D, market cap $209.4M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, FCAP ranks #252 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 C (65/100 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 (62/100 RQD, P/E 15.8x, ROIC 7.7%, cap $226.1M) and FNWD (Finward Bancorp) posts a C grade (65/100 RQD, P/E 23.5x, ROIC 4.6%, cap $187.7M). 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 $534.2M in revenue (+1246.6% YoY), $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 $64.15 (+2.48% on volume of 9,723 shares), positioning the stock +2.48% above its 50-day simple moving average ($62.60) and +9.86% above its 200-day simple moving average ($58.39). Across its 52-week range of $42.71 to $71.00, FCAP sits at the 75.8% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.8% ($60.43 to $67.87).

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
ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ SEC XBRL & RQD VERIFIED

FCAP — First Capital Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First Capital Inc. (FCAP) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $64.15 (+2.48% 1D, market capitalization $209.4M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 11.9%, gross margin of —, operating margin of —, and free cash flow yield of 9.34%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

First Capital Inc. (FCAP) is a NASDAQ-listed issuer in the Financials sector, classified under the Savings Institutions industry..2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Capital Inc. (FCAP) reported $534.2M in annual revenue (up from $39.7M in FY2024, +1246.6% YoY) and $16.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($42.1M revenue, $12.8M net income) through FY2025, FCAP scaled operating cash flow to $21.3M and free cash flow to $19.9M, backed by $1.27B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 65/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 9.34% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $42.71 – $71.00 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector-level context provided is the Financials / Savings Institutions classification and a beta of 1.0. An investor should note that the absence of mapped links means this analysis cannot identify ripple effects from interest-rate or credit conditions in the source data.

  • Key Question #1: Can FCAP sustain or expand its — operating margin and 11.9% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $534.2M and free cash flow of $19.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FCAP's 12.1x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FCAP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First Capital Inc. (FCAP) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FCAP Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FCAP Bull vs. Bear Conversation Board — What's Your Call at $64.15?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FCAP 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FCAP:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $80.75 (+29.0%)
📌 Pinned Debate

Net income rose to $16.4M in FY 2025 from $11.9M in FY 2024, while the RQD rating shows a 9.34% FCF yield and 11.9% ROIC.

The street is overcomplicating First Capital Inc. (FCAP). Net income rose to $16.4M in FY 2025 from $11.9M in FY 2024, while the RQD rating shows a 9.34% FCF yield and 11.9% ROIC.. With an RQD score of 65/100 (C) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $67.61.

VolSurface_Trader 🐂 BULL

Both sides have a point here — FCAP's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $50.71 (-19.0%)
Spot @ $62.60

Free cash flow declined from $21.6M in FY 2024 to $19.9M in FY 2025, and the holders data is empty, leaving institutional flow unverifi

Sitting on the sidelines or leaning short FCAP above $62.60. Free cash flow declined from $21.6M in FY 2024 to $19.9M in FY 2025, and the holders data is empty, leaving institutional flow unverifiable.. Until Fundamental Cash Engine (11/20) and FCF yield (9.34%) inflect higher, upside is capped near $71.00.

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