Old Market Capital (OMCC) AI Stock Analysis

• Market Cap: $31.91M
• Dividend Yield: N/A
• Average Volume (3M): 3.77K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.13
• Revenue Growth: -1.30%
• EPS Growth: 81.87%
• Country: US
• Employees: 7
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -0.11
• Shares Outstanding: 6,790,097
• 10 Day Avg. Volume: 5,308
• 30 Day Avg. Volume: 3,768
• PEG Ratio: 0.11
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 3.75
• P/FCF Ratio: -3.91
• Enterprise Value/Market Cap: 0.58
• Enterprise Value/Revenue: 1.45
• Enterprise Value/Gross Profit: 1.73
• Enterprise Value/Ebitda: 214.34
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 52 Neutral
• Price Target: $4.00 ▲(22.32% Upside)
• Action: Reiterated Date: 02/19/26
• Date: Action: Reiterated 02/19/26

The score is held back primarily by weak financial performance (sharp revenue contraction, ongoing losses, and significant negative free cash flow). Technicals provide some near-term support with improving momentum and price above key moving averages, while valuation is constrained by a loss-making (negative P/E) profile. Corporate actions are supportive (buyback), but do not fully offset the fundamental cash-flow and profitability risks.

Positive Factors

Balance Sheet Strength

Modest leverage and assets materially above debt provide financial flexibility. With an equity-heavy balance sheet the company has room to fund operations or absorb losses over months, lowering near-term refinancing risk and supporting strategic options while turnaround initiatives progress.

High Gross Margin

A very high gross margin signals strong unit economics and potential pricing power at the product level. If management stabilizes revenue and controls operating expenses, these margins offer a durable pathway to profitability and scalable earnings over the medium term.

Active Capital Allocation

A $7M buyback signals management confidence and can concentrate shareholder value, while a $4M strategic investment reflects growth focus. These moves are structural capital-allocation choices that affect long-term capital structure and optionality if executed prudently.

Negative Factors

Sharp Revenue Contraction

A dramatic TTM revenue decline erodes scale and weakens operating leverage, making fixed costs harder to cover. Rebuilding a stable revenue base is essential for sustained recovery; prolonged top-line weakness risks permanent market-share loss and impairs long-term profitability.

Negative Cash Flow

Negative operating cash flow and deeply negative free cash flow indicate ongoing cash burn that will require external financing or asset actions to sustain operations. This structural liquidity pressure constrains reinvestment and increases dilution or debt risk over the coming months.

Sustained Losses & Low ROE

Consistent net losses and negative returns on equity show the capital base is not producing profits. Over a multi-month horizon this limits the firm's ability to self-fund growth, undermines shareholder value creation, and raises the likelihood of further capital raises or strategic constraints.

Old Market Capital Business Overview & Revenue Model

Company Description

Old Market Capital Corporation provides broadband internet, voice over internet protocol, and video services in Northwest and Northcentral Ohio. The company was formerly known as Nicholas Financial, Inc. and changed its name to Old Market Capital Corporation in September 2024. Old Market Capital Corporation was founded in 1985 and is headquartered in Clearwater, Florida.

Old Market Capital Financial Statement Overview

Summary

Financials are pressured overall: the income statement shows sharp TTM revenue decline and sustained losses, and cash flow is weak with negative operating cash flow and deeply negative free cash flow. The balance sheet provides some support with modest leverage (TTM debt-to-equity ~0.12), but negative returns and ongoing cash burn are the dominant risk.

Income Statement

Profitability is weak and volatile. In TTM (Trailing-Twelve-Months), revenue fell sharply (down ~148%) and the company reported a net loss of about $2.7M, with negative operating profit as well. While the gross margin appears very high, earnings below the gross line remain consistently negative across recent periods, signaling cost structure and/or non-operating headwinds that continue to overwhelm revenue.

Balance Sheet

The balance sheet looks relatively supported by equity with modest leverage in the most recent period (TTM (Trailing-Twelve-Months) debt-to-equity ~0.12). Total assets (~$81.1M) are meaningfully above total debt (~$6.3M), which helps financial flexibility. The key weakness is ongoing negative returns on equity in recent periods, indicating the capital base is not currently generating profits.

Cash Flow

Cash generation is pressured. TTM (Trailing-Twelve-Months) operating cash flow is negative (about -$0.6M) and free cash flow is deeply negative (about -$13.5M), pointing to cash burn. While free cash flow growth is shown as positive versus the prior year, the level of cash outflow remains substantial and increases financing risk if losses persist.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	12.68M	10.74M	145.00K	40.41M	44.41M	50.04M
Gross Profit	10.68M	10.74M	-3.35M	40.41M	44.41M	50.04M
EBITDA	86.00K	-6.17M	-5.96M	0.00	0.00	0.00
Net Income	-2.66M	-5.15M	-20.80M	-34.12M	3.00M	8.35M
Balance Sheet
Total Assets	81.07M	77.67M	59.84M	110.35M	183.57M	212.44M
Cash, Cash Equivalents and Short-Term Investments	19.78M	24.52M	18.98M	454.00K	4.78M	22.02M
Total Debt	6.30M	3.80M	65.00K	29.11M	62.47M	92.77M
Total Liabilities	15.18M	10.65M	996.00K	30.54M	67.18M	97.22M
Stockholders Equity	53.78M	53.14M	58.84M	79.81M	116.39M	115.22M
Cash Flow
Free Cash Flow	-13.55M	-10.32M	1.81M	-2.24M	2.17M	13.79M
Operating Cash Flow	-568.00K	-1.90M	1.83M	-2.18M	3.49M	14.40M
Investing Cash Flow	-12.59M	12.55M	45.80M	29.89M	3.86M	30.08M
Financing Cash Flow	3.46M	-4.80M	-29.10M	-32.03M	-35.55M	-36.19M

Old Market Capital Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.27
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OMCC, the sentiment is Positive. The current price of 3.27 is below the 20-day moving average (MA) of 4.71, below the 50-day MA of 4.10, and below the 200-day MA of 5.09, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 52.61 is Neutral, neither overbought nor oversold. The STOCH value of 51.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OMCC.

Old Market Capital Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
OMCC	52 Neutral	$31.91M	-11.48	-4.98%	―	-1.30%	81.87%
AIHS	43 Neutral	$6.47M	-0.65	312.29%	―	-25.21%	24.90%
SNTG	43 Neutral	$5.55M	-1.37	-17.08%	―	-26.60%	15.28%
LMFA	42 Neutral	$4.63M	-0.36	-17.58%	―	-35.26%	53.23%