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FCAP

First CapitalC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The Q2 print indicates improving profitability, stronger net interest margin, lower funding costs, and balance-sheet growth. Continued spread improvement could support modest upside.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Compensation, advertising, and other operating expenses increased.
Momentum
57
Value
58
Sentiment
63
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $64.00 · Bull $70.00 · Bear $56.00Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum57 · Δ7d -
Value58 · Δ7d -0.0
Sentiment63 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Compensation, advertising, and other operating expenses increased.
  • • Low coverage and limited forward guidance reduce visibility.
  • • Higher credit-loss provision, rising operating expenses, limited analyst coverage, and unavailable post-print market or estimate-revision data constrain confidence in a durable re-rating.

Catalyst clock

2026-07-24

Q2 earnings showed stronger profitability and margin

Lead driver: Sentiment · See AI snapshot
Momentum
57
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
58
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.1
Sentiment
63
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 56.6 / Value 57.5 / Sentiment 62.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
20%
Probability
Target price
$70.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$64.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$56.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$213.02M
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 2026-09-10 • Updated nightlySource: Internal modelMethods & Data