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OLD MARKET CAPITAL Corp (OMCC) Stock Fundamental Analysis & AI Rating 2026

OMCC OTC Short-Term Business Credit Institutions FL CIK: 0001000045
Recently Updated • Analysis: Apr 13, 2026 • SEC Data: 2025-09-30
STRONG SELL
88% Conf
Pending
Analysis scheduled

📊 OMCC Key Takeaways

Revenue: $6.2M
Net Margin: -24.2%
Free Cash Flow: $-7.7M
Current Ratio: 4.55x
Debt/Equity: 0.06x
EPS: $-0.22
AI Rating: STRONG SELL with 88% confidence
OLD MARKET CAPITAL Corp (OMCC) receives a STRONG SELL rating with 88% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $6.2M, net profit margin of -24.2%, and return on equity (ROE) of -2.8%, OLD MARKET CAPITAL Corp demonstrates mixed fundamentals in the Finance sector. Below is our complete OMCC stock analysis for 2026.

Is OLD MARKET CAPITAL Corp (OMCC) a Good Investment?

Claude

OMCC is fundamentally distressed with severe operational losses (-31.5% operating margin), negative free cash flow (-7.7M), and inability to generate profits from minimal revenue (6.2M). Despite adequate balance sheet liquidity and low leverage, the company is burning cash and shows no clear path to profitability with deteriorating operational efficiency.

Why Buy OLD MARKET CAPITAL Corp Stock? OMCC Key Strengths

Claude
  • + Strong liquidity position with 4.55x current ratio and 18.9M cash reserves
  • + Conservative capital structure with 0.06x debt-to-equity ratio and manageable 3.5M long-term debt
  • + Positive operating cash flow of 779K suggests some core business activity generating cash

OMCC Stock Risks: OLD MARKET CAPITAL Corp Investment Risks

Claude
  • ! Severe unprofitability with -24.2% net margin and -31.5% operating margin on minimal 6.2M revenue
  • ! Negative free cash flow of -7.7M indicating the company is burning cash despite positive operating cash flow, with capex consuming 8.5M
  • ! Negative interest coverage ratio of -2.1x shows inability to service debt obligations from operations
  • ! Lack of revenue growth visibility and deteriorating operational metrics with no clear turnaround strategy

Key Metrics to Watch

Claude
  • * Operating margin trend - must improve significantly from -31.5% to approach breakeven
  • * Free cash flow generation - currently at -7.7M, needs reversal to positive to ensure company viability
  • * Revenue growth and gross profitability - current 6.2M revenue insufficient to support operating expense base

OLD MARKET CAPITAL Corp (OMCC) Financial Metrics & Key Ratios

Revenue
$6.2M
Net Income
$-1.5M
EPS (Diluted)
$-0.22
Free Cash Flow
$-7.7M
Total Assets
$81.1M
Cash Position
$18.9M

💡 AI Analyst Insight

Strong liquidity with a 4.55x current ratio provides a solid financial cushion.

OMCC Profit Margin, ROE & Profitability Analysis

Gross Margin N/A
Operating Margin -31.5%
Net Margin -24.2%
ROE -2.8%
ROA -1.9%
FCF Margin -124.7%

OMCC vs Finance Sector: How OLD MARKET CAPITAL Corp Compares

How OLD MARKET CAPITAL Corp compares to Finance sector averages

Net Margin
OMCC -24.2%
vs
Sector Avg 25.0%
OMCC Sector
ROE
OMCC -2.8%
vs
Sector Avg 12.0%
OMCC Sector
Current Ratio
OMCC 4.5x
vs
Sector Avg 1.2x
OMCC Sector
Debt/Equity
OMCC 0.1x
vs
Sector Avg 2.0x
OMCC Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is OLD MARKET CAPITAL Corp Stock Overvalued? OMCC Valuation Analysis 2026

Based on fundamental analysis, OLD MARKET CAPITAL Corp has mixed fundamental signals relative to the Finance sector in 2026.

Return on Equity
-2.8%
Sector avg: 12%
Net Profit Margin
-24.2%
Sector avg: 25%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.06x
Sector avg: 2x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

OLD MARKET CAPITAL Corp Balance Sheet: OMCC Debt, Cash & Liquidity

Current Ratio
4.55x
Quick Ratio
4.31x
Debt/Equity
0.06x
Debt/Assets
18.7%
Interest Coverage
-2.10x
Long-term Debt
$3.5M

OMCC Revenue & Earnings Growth: 5-Year Financial Trend

OMCC 5-year financial data: Year 2025: Revenue $9.4M, Net Income -$20.8M, EPS $-2.86.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: OLD MARKET CAPITAL Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-2.86 indicates the company is currently unprofitable.

OMCC Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
-124.7%
Free cash flow / Revenue

OMCC Quarterly Earnings & Performance

Quarterly financial performance data for OLD MARKET CAPITAL Corp including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q1 2025 $489.0K -$748.0K $-0.11
Q3 2024 N/A -$4.1M $-0.04
Q2 2024 N/A -$458.0K $-0.07
Q1 2024 N/A $1.6M $0.21

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

OLD MARKET CAPITAL Corp Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$779.0K
Cash generated from operations
Capital Expenditures
$8.5M
Investment in assets
Dividends
None
No dividend program

OMCC SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for OLD MARKET CAPITAL Corp (CIK: 0001000045)

📋 Recent SEC Filings

Date Form Document Action
Jan 13, 2026 4 xslF345X05/fp0097082-1_4.xml View →
Jan 12, 2026 4 xslF345X05/primary_doc.xml View →
Jan 12, 2026 4 xslF345X05/primary_doc.xml View →
Jan 12, 2026 4 xslF345X05/primary_doc.xml View →
Jan 12, 2026 4 xslF345X05/primary_doc.xml View →

Frequently Asked Questions about OMCC

What is the AI rating for OMCC?

OLD MARKET CAPITAL Corp (OMCC) has an AI rating of STRONG SELL with 88% confidence, based on fundamental analysis of SEC EDGAR filings.

What are OMCC's key strengths?

Claude: Strong liquidity position with 4.55x current ratio and 18.9M cash reserves. Conservative capital structure with 0.06x debt-to-equity ratio and manageable 3.5M long-term debt.

What are the risks of investing in OMCC?

Claude: Severe unprofitability with -24.2% net margin and -31.5% operating margin on minimal 6.2M revenue. Negative free cash flow of -7.7M indicating the company is burning cash despite positive operating cash flow, with capex consuming 8.5M.

What is OMCC's revenue and growth?

OLD MARKET CAPITAL Corp reported revenue of $6.2M.

Does OMCC pay dividends?

OLD MARKET CAPITAL Corp does not currently pay dividends.

Where can I find OMCC SEC filings?

Official SEC filings for OLD MARKET CAPITAL Corp (CIK: 0001000045) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is OMCC's EPS?

OLD MARKET CAPITAL Corp has a diluted EPS of $-0.22.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.

Is OMCC a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, OLD MARKET CAPITAL Corp has a STRONG SELL rating with 88% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.

Is OMCC stock overvalued or undervalued?

Valuation metrics for OMCC: ROE of -2.8% (sector avg: 12%), net margin of -24.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.

Should I buy OMCC stock in 2026?

Our dual AI analysis gives OLD MARKET CAPITAL Corp a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.

What is OMCC's free cash flow?

OLD MARKET CAPITAL Corp's operating cash flow is $779.0K, with capital expenditures of $8.5M. FCF margin is -124.7%.

How does OMCC compare to other Finance stocks?

Vs Finance sector averages: Net margin -24.2% (avg: 25%), ROE -2.8% (avg: 12%), current ratio 4.55 (avg: 1.2).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Apr 13, 2026 | Data as of: 2025-09-30 | Powered by Claude AI