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FCAP

First CapitalC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 diluted EPS rose to $1.43 from $1.13 a year earlier as the tax-equivalent margin expanded; persistence without materially higher credit costs could support the shares [#SEC-8K-2026-07-24].
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.8.
What can break
Credit-loss provision rose to $425,000 in Q2 from $306,000 a year earlier [#SEC-8K-2026-07-24].
Momentum
57
Value
56
Sentiment
52
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $61.00 · Bull $70.00 · Bear $52.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum57 · Δ7d -
Value56 · Δ7d -0.8
Sentiment52 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.8.

Contradictions & invalidation

  • • Credit-loss provision rose to $425,000 in Q2 from $306,000 a year earlier [#SEC-8K-2026-07-24].
  • • Q2 noninterest expenses increased $359,000 year over year, including higher compensation and advertising costs [#SEC-8K-2026-07-24].
  • • The higher Q2 credit-loss provision and noninterest expenses may offset spread gains.

Catalyst clock

2026-10-23

Unconfirmed Q3 earnings release

Lead driver: Value · See fundamentals
Momentum
57
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
56
47% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
+0.1
Sentiment
52
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 56.6 / Value 56.4 / Sentiment 52.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
0%
Probability
Target price
$70.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
1%
Probability
Target price
$61.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
0%
Probability
Target price
$52.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$211.88M
Beta
0.62
Shares Out
3.34M
P/E (TTM)
12.8
P/S (TTM)
3.88
P/FCF (TTM)
12.40
Rev YoY
+10.2%
EPS YoY
+26.5%
Gross Margin
-
Op Margin
+33.2%
Net Debt
-$26.87M
Current Ratio
0.71
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data