Old Market Capital Corporation (OMCC) 10-Year Financial Performance & Capital Metrics

OMCC • • Banking & Credit

Financial ServicesCredit ServicesConsumer Lending & Credit CardsPersonal Installment Lenders

AboutOld 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.Show more

Net Interest Income $1M +275.5%
Total Revenue $11M +7308.3%
Net Income -$5M +75.2%
Return on Equity -8.18% +72.7%
Net Interest Margin 1.77% +235.2%
Efficiency Ratio 177.16% -90.6%
ROA -7.49% +69.4%
Equity / Assets 86.29% -12.3%
Book Value per Share 10.01 +23.9%
Tangible BV/Share 7.63 -5.6%
Debt/Equity 0.06 +5029.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Well capitalized: 86.3% equity/assets
✓Share count reduced 8.1% through buybacks
✓Diversified revenue: 87.2% from non-interest income
✓Trading at only 0.3x book value

✗Weaknesses

✗Weak NIM of 1.8%
✗High cost structure: 177.2% efficiency ratio
✗Weak momentum: RS Rating 7 (bottom 7%)
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-18.24%

5Y-27.49%

3Y-37.69%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM82.96%

EPS CAGR

10Y-

5Y-

3Y-

TTM83.45%

ROCE

10Y Avg-10.53%

5Y Avg-10.53%

3Y Avg-10.53%

Latest-12.32%

Peer Comparison

Personal Installment Lenders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ENVAEnova International, Inc.	3.84B	155.23	20.89	25.51%	7.88%	22.83%	38.96%	3.00
FOAFinance Of America Companies Inc.	194.36M	24.63	20.87	24.25%	0.79%	1.65%		90.98
OMFOneMain Holdings, Inc.	7.66B	65.04	15.34	7.98%	8.9%	20.87%	35.25%	6.72
ATLCAtlanticus Holdings Corporation	917.58M	60.60	12.70	13.46%	8.49%	20.24%	50.96%	5.12
RMRegional Management Corp.	369.48M	38.04	9.19	6.73%	7.01%	11.14%	71.42%	4.24
WRLDWorld Acceptance Corporation	703.06M	139.55	8.56	-1.46%	15.89%	15.61%	35.63%	1.20
MFINMedallion Financial Corp.	234.19M	10.06	6.62	14.65%	12.3%	8.96%	49.32%	0.66
OPRTOportun Financial Corporation	226.38M	5.13	-2.63	15.93%	-14.75%	7.97%	100%	7.98

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	81.7M	81.24M	73.78M	61.8M	53.58M	48.23M	44.41M	40.34M	-784K	1.38M
NII Growth %	0.01%	-0.01%	-0.09%	-0.16%	-0.13%	-0.1%	-0.08%	-0.09%	-1.02%	2.76%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	90.71M	90.47M	83.92M	71.3M	62.09M	54.21M	49.78M	44.27M	145K	1.38M
Interest Expense	9.01M	9.22M	10.14M	9.5M	8.52M	5.98M	5.37M	3.93M	929K	0
Loan Loss Provision	-9.01M	-9.22M	-10.14M	-9.5M	-8.52M	-5.98M	-5.37M	-3.93M	2.57M	0
Non-Interest Income+	-9.03M	-9M	-10.15M	-9.5M	-8.52M	-4.17M	-5.37M	-3.87M	0	9.37M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	81.68M	81.47M	73.76M	61.8M	53.58M	50.04M	44.41M	40.41M	145K	10.74M
Revenue Growth %	0.02%	-0%	-0.09%	-0.16%	-0.13%	-0.07%	-0.11%	-0.09%	-1%	73.08%
Non-Interest Expense	81.68M	81.47M	73.76M	61.8M	53.58M	50.04M	44.41M	40.41M	2.74M	19.03M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	0	0	0	0	0	0	0	0	-6.1M	-8.29M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-	-	-	-	-	-	-	-	-0.36%
Pretax Income+	20.11M	8.74M	3.16M	-4.59M	2.25M	10.95M	4.05M	-32.7M	-6.1M	-8.29M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	7.73M	3.33M	4.26M	-940K	-1.22M	2.6M	1.05M	1.42M	0	63K
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	12.38M	5.41M	-1.1M	-3.65M	3.47M	8.35M	3M	-34.12M	-20.8M	-5.15M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.27%	-0.56%	-1.2%	-2.32%	1.95%	1.41%	-0.64%	-12.38%	0.39%	0.75%
Net Income (Continuing)	12.38M	5.41M	-1.1M	-3.65M	3.47M	8.35M	3M	-34.12M	-6.1M	-8.35M
EPS (Diluted)+	1.59	0.69	-0.14	-0.46	0.45	1.09	0.39	-4.65	-2.86	-0.77
EPS Growth %	0.15%	-0.57%	-1.2%	-2.29%	1.98%	1.42%	-0.64%	-12.92%	0.38%	0.73%
EPS (Basic)	1.60	0.70	-0.14	-0.46	0.45	1.09	0.39	-4.65	-2.86	-0.77
Diluted Shares Outstanding	7.79M	7.84M	7.84M	7.93M	7.7M	7.66M	7.69M	7.33M	7.28M	6.7M

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	454K	1000K	1000K
Cash & Due from Banks	1.85M	2.85M	2.63M	35.59M	16.8M	22.02M	4.78M	454K	18.98M	24.52M
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	0	17K	0	0	196.62M	168.03M	166.28M	104.99M	78.21M	65K
Investments Growth %	-	-	-1%	-	-	-0.15%	-0.01%	-0.37%	-0.26%	-1%
Long-Term Investments	0	17K	0	0	196.62M	168.03M	166.28M	104.99M	78.21M	65K
Accounts Receivables	0	0	1000K	1000K	1000K	1000K	1000K	1000K	0	109K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	12.28M
Intangible Assets	0	0	0	0	0	0	0	0	0	3.67M
PP&E (Net)	1.29M	1.18M	843K	656K	3.08M	4.25M	6.06M	222K	140K	33.91M
Other Assets	-1.29M	-1.2M	-843K	-656K	9.22M	11.64M	658K	1.67M	-38.4M	310K
Total Current Assets	1.85M	2.85M	2.63M	35.59M	25.99M	26.23M	9.18M	3.47M	19.88M	27.44M
Total Non-Current Assets	323.46M	330.76M	278.21M	216.82M	212.83M	186.21M	174.39M	106.88M	39.95M	50.24M
Total Assets+	325.31M	333.61M	280.84M	252.42M	238.82M	212.44M	183.57M	110.35M	59.84M	77.67M
Asset Growth %	0.08%	0.03%	-0.16%	-0.1%	-0.05%	-0.11%	-0.14%	-0.4%	-0.46%	0.3%
Return on Assets (ROA)	0.04%	0.02%	-0%	-0.01%	0.01%	0.04%	0.02%	-0.23%	-0.24%	-0.07%
Accounts Payable	5.84M	5.93M	5M	3.6M	0	0	4.72M	1.43M	99K	1.3M
Total Debt+	211M	213M	165.73M	142.62M	126.91M	92.77M	62.47M	29.11M	65K	3.8M
Net Debt	209.15M	210.15M	163.1M	107.02M	110.11M	70.74M	57.69M	28.66M	-18.92M	-20.72M
Long-Term Debt	0	0	0	0	0	3.24M	3.24M	0	0	759K
Short-Term Debt	211M	213M	165.73M	142.62M	124.25M	86.15M	54.81M	28.94M	0	69K
Other Liabilities	-3.92M	-3.97M	-3.3M	0	4.33M	4.45M	0	0	832K	0
Total Current Liabilities	0	0	0	0	124.25M	86.15M	59.53M	30.36M	99K	2.9M
Total Non-Current Liabilities	0	0	0	0	6.98M	11.06M	7.65M	176K	897K	7.75M
Total Liabilities	222.46M	224.75M	172.4M	147.53M	131.24M	97.22M	67.18M	30.54M	996K	10.65M
Total Equity+	102.85M	108.86M	108.44M	104.89M	107.58M	115.22M	116.39M	79.81M	58.84M	67.02M
Equity Growth %	0.14%	0.06%	-0%	-0.03%	0.03%	0.07%	0.01%	-0.31%	-0.26%	0.14%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.13%	0.05%	-0.01%	-0.03%	0.03%	0.07%	0.03%	-0.35%	-0.3%	-0.08%
Book Value per Share	13.21	13.89	13.83	13.23	13.97	15.04	15.14	10.89	8.08	10.01
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	33.29M	33.89M	34.56M	34.66M	34.87M	35.06M	35.29M	35.22M	35.27M	67K
Additional Paid-in Capital	33.29M	33.89M	34.56M	34.66M	0	0	0	0	0	41.65M
Retained Earnings	140.02M	145.43M	144.33M	140.68M	144.15M	152.5M	155.5M	121.38M	100.37M	93.85M
Accumulated OCI	0	0	0	0	0	0	0	0	0	0
Treasury Stock	-70.46M	-70.46M	-70.46M	-70.46M	-71.44M	-72.34M	-74.41M	-76.79M	-76.79M	-82.42M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	22.41M	27.32M	25.15M	14.04M	10.48M	14.4M	3.49M	-2.18M	1.83M	-1.9M
Operating CF Growth %	-0.09%	0.22%	-0.08%	-0.44%	-0.25%	0.37%	-0.76%	-1.63%	1.84%	-2.04%
Net Income	12.38M	5.41M	-1.1M	-3.65M	3.47M	8.35M	3M	-34.12M	-20.8M	-5.15M
Depreciation & Amortization	458K	492K	469K	380K	2.31M	1.84M	1.79M	390K	84K	2.12M
Deferred Taxes	-292K	-1.96M	2.22M	-835K	3.21M	1.63M	898K	1.39M	0	63K
Other Non-Cash Items	10.8M	22.42M	24.26M	20.53M	5.05M	-2.21M	-2.85M	32.63M	21.8M	976K
Working Capital Changes	-1.52M	347K	-909K	-2.46M	-3.75M	4.61M	456K	-2.4M	697K	-379K
Cash from Investing+	-34.99M	-28.7M	21.83M	44.16M	-3.68M	30.08M	3.86M	29.89M	45.8M	12.55M
Purchase of Investments	0	0	0	0	0	0	0	-7.24M	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	1000K	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	-20.48M	0	0	0	0	-18.14M
Other Investing	-34.08M	-27.93M	21.96M	44.39M	16.94M	30.7M	5.17M	29.89M	45.81M	30.69M
Cash from Financing+	11.04M	2.39M	-47.21M	-23.19M	-19.77M	-36.19M	-35.55M	-32.03M	-29.1M	-4.8M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-50K	0	0	0	-979K	-905K	-2.06M	-2.39M	0	-5.63M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	828K
Other Financing	-906K	388K	43K	-2.44M	-618K	0	-189K	-500K	0	0
Net Change in Cash+	-1.54M	1.01M	-229K	35.02M	-12.96M	8.29M	-28.2M	-4.32M	18.53M	5.85M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	3.39M	1.85M	2.85M	2.63M	37.64M	24.68M	32.98M	4.78M	454K	18.98M
Cash at End	1.85M	2.85M	2.63M	37.64M	24.68M	32.98M	4.78M	454K	18.98M	24.83M
Interest Paid	0	0	0	11.6M	8.19M	5.71M	3.42M	3.35M	997K	0
Income Taxes Paid	0	0	0	44K	6K	1.36M	541K	27K	0	0
Free Cash Flow+	21.5M	26.55M	25.02M	13.82M	10.36M	13.79M	2.17M	-2.24M	1.81M	-10.32M
FCF Growth %	-0.11%	0.24%	-0.06%	-0.45%	-0.25%	0.33%	-0.84%	-2.03%	1.81%	-6.69%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	12.85%	5.11%	-1.01%	-3.42%	3.26%	7.5%	2.59%	-34.78%	-30%	-8.18%
Return on Assets (ROA)	3.94%	1.64%	-0.36%	-1.37%	1.41%	3.7%	1.51%	-23.22%	-24.45%	-7.49%
Net Interest Margin	25.11%	24.35%	26.27%	24.48%	22.44%	22.7%	24.19%	36.56%	-1.31%	1.77%
Efficiency Ratio	100%	100%	100%	100%	100%	100%	100%	100%	1892.41%	177.16%
Equity / Assets	31.62%	32.63%	38.61%	41.55%	45.05%	54.24%	63.4%	72.32%	98.34%	86.29%
Book Value / Share	13.21	13.89	13.83	13.23	13.97	15.04	15.14	10.89	8.08	10.01
NII Growth	1.09%	-0.56%	-9.19%	-16.24%	-13.3%	-9.98%	-7.92%	-9.17%	-101.94%	275.51%

Revenue by Segment

	2025
Fiber Internet Services	2.6M
Fiber Internet Services Growth	-
Other Revenue	1.33M
Other Revenue Growth	-

Frequently Asked Questions

Growth & Financials

Old Market Capital Corporation (OMCC) grew revenue by 7308.3% over the past year. This is strong growth.

Old Market Capital Corporation (OMCC) reported a net loss of $2.7M for fiscal year 2025.

Dividend & Returns

Old Market Capital Corporation (OMCC) has a return on equity (ROE) of -8.2%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Old Market Capital Corporation (OMCC) has a net interest margin (NIM) of 1.8%. NIM has been under pressure due to interest rate environment.

Old Market Capital Corporation (OMCC) has an efficiency ratio of 177.2%. This is higher than peers, suggesting room for cost optimization.

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Old Market Capital Corporation (OMCC) 10-Year Financial Performance & Capital Metrics

OMCC • • Banking & Credit

Financial ServicesCredit ServicesConsumer Lending & Credit CardsPersonal Installment Lenders

Net Interest Income $1M +275.5%
Total Revenue $11M +7308.3%
Net Income -$5M +75.2%
Return on Equity -8.18% +72.7%
Net Interest Margin 1.77% +235.2%
Efficiency Ratio 177.16% -90.6%
ROA -7.49% +69.4%
Equity / Assets 86.29% -12.3%
Book Value per Share 10.01 +23.9%
Tangible BV/Share 7.63 -5.6%
Debt/Equity 0.06 +5029.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Well capitalized: 86.3% equity/assets
✓Share count reduced 8.1% through buybacks
✓Diversified revenue: 87.2% from non-interest income
✓Trading at only 0.3x book value

✗Weaknesses

✗Weak NIM of 1.8%
✗High cost structure: 177.2% efficiency ratio
✗Weak momentum: RS Rating 7 (bottom 7%)
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-18.24%

5Y-27.49%

3Y-37.69%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM82.96%

EPS CAGR

10Y-

5Y-

3Y-

TTM83.45%

ROCE

10Y Avg-10.53%

5Y Avg-10.53%

3Y Avg-10.53%

Latest-12.32%

Peer Comparison

Personal Installment Lenders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ENVAEnova International, Inc.	3.84B	155.23	20.89	25.51%	7.88%	22.83%	38.96%	3.00
FOAFinance Of America Companies Inc.	194.36M	24.63	20.87	24.25%	0.79%	1.65%		90.98
OMFOneMain Holdings, Inc.	7.66B	65.04	15.34	7.98%	8.9%	20.87%	35.25%	6.72
ATLCAtlanticus Holdings Corporation	917.58M	60.60	12.70	13.46%	8.49%	20.24%	50.96%	5.12
RMRegional Management Corp.	369.48M	38.04	9.19	6.73%	7.01%	11.14%	71.42%	4.24
WRLDWorld Acceptance Corporation	703.06M	139.55	8.56	-1.46%	15.89%	15.61%	35.63%	1.20
MFINMedallion Financial Corp.	234.19M	10.06	6.62	14.65%	12.3%	8.96%	49.32%	0.66
OPRTOportun Financial Corporation	226.38M	5.13	-2.63	15.93%	-14.75%	7.97%	100%	7.98

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	81.7M	81.24M	73.78M	61.8M	53.58M	48.23M	44.41M	40.34M	-784K	1.38M
NII Growth %	0.01%	-0.01%	-0.09%	-0.16%	-0.13%	-0.1%	-0.08%	-0.09%	-1.02%	2.76%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	90.71M	90.47M	83.92M	71.3M	62.09M	54.21M	49.78M	44.27M	145K	1.38M
Interest Expense	9.01M	9.22M	10.14M	9.5M	8.52M	5.98M	5.37M	3.93M	929K	0
Loan Loss Provision	-9.01M	-9.22M	-10.14M	-9.5M	-8.52M	-5.98M	-5.37M	-3.93M	2.57M	0
Non-Interest Income+	-9.03M	-9M	-10.15M	-9.5M	-8.52M	-4.17M	-5.37M	-3.87M	0	9.37M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	81.68M	81.47M	73.76M	61.8M	53.58M	50.04M	44.41M	40.41M	145K	10.74M
Revenue Growth %	0.02%	-0%	-0.09%	-0.16%	-0.13%	-0.07%	-0.11%	-0.09%	-1%	73.08%
Non-Interest Expense	81.68M	81.47M	73.76M	61.8M	53.58M	50.04M	44.41M	40.41M	2.74M	19.03M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	0	0	0	0	0	0	0	0	-6.1M	-8.29M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-	-	-	-	-	-	-	-	-0.36%
Pretax Income+	20.11M	8.74M	3.16M	-4.59M	2.25M	10.95M	4.05M	-32.7M	-6.1M	-8.29M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	7.73M	3.33M	4.26M	-940K	-1.22M	2.6M	1.05M	1.42M	0	63K
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	12.38M	5.41M	-1.1M	-3.65M	3.47M	8.35M	3M	-34.12M	-20.8M	-5.15M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.27%	-0.56%	-1.2%	-2.32%	1.95%	1.41%	-0.64%	-12.38%	0.39%	0.75%
Net Income (Continuing)	12.38M	5.41M	-1.1M	-3.65M	3.47M	8.35M	3M	-34.12M	-6.1M	-8.35M
EPS (Diluted)+	1.59	0.69	-0.14	-0.46	0.45	1.09	0.39	-4.65	-2.86	-0.77
EPS Growth %	0.15%	-0.57%	-1.2%	-2.29%	1.98%	1.42%	-0.64%	-12.92%	0.38%	0.73%
EPS (Basic)	1.60	0.70	-0.14	-0.46	0.45	1.09	0.39	-4.65	-2.86	-0.77
Diluted Shares Outstanding	7.79M	7.84M	7.84M	7.93M	7.7M	7.66M	7.69M	7.33M	7.28M	6.7M

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	454K	1000K	1000K
Cash & Due from Banks	1.85M	2.85M	2.63M	35.59M	16.8M	22.02M	4.78M	454K	18.98M	24.52M
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	0	17K	0	0	196.62M	168.03M	166.28M	104.99M	78.21M	65K
Investments Growth %	-	-	-1%	-	-	-0.15%	-0.01%	-0.37%	-0.26%	-1%
Long-Term Investments	0	17K	0	0	196.62M	168.03M	166.28M	104.99M	78.21M	65K
Accounts Receivables	0	0	1000K	1000K	1000K	1000K	1000K	1000K	0	109K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	12.28M
Intangible Assets	0	0	0	0	0	0	0	0	0	3.67M
PP&E (Net)	1.29M	1.18M	843K	656K	3.08M	4.25M	6.06M	222K	140K	33.91M
Other Assets	-1.29M	-1.2M	-843K	-656K	9.22M	11.64M	658K	1.67M	-38.4M	310K
Total Current Assets	1.85M	2.85M	2.63M	35.59M	25.99M	26.23M	9.18M	3.47M	19.88M	27.44M
Total Non-Current Assets	323.46M	330.76M	278.21M	216.82M	212.83M	186.21M	174.39M	106.88M	39.95M	50.24M
Total Assets+	325.31M	333.61M	280.84M	252.42M	238.82M	212.44M	183.57M	110.35M	59.84M	77.67M
Asset Growth %	0.08%	0.03%	-0.16%	-0.1%	-0.05%	-0.11%	-0.14%	-0.4%	-0.46%	0.3%
Return on Assets (ROA)	0.04%	0.02%	-0%	-0.01%	0.01%	0.04%	0.02%	-0.23%	-0.24%	-0.07%
Accounts Payable	5.84M	5.93M	5M	3.6M	0	0	4.72M	1.43M	99K	1.3M
Total Debt+	211M	213M	165.73M	142.62M	126.91M	92.77M	62.47M	29.11M	65K	3.8M
Net Debt	209.15M	210.15M	163.1M	107.02M	110.11M	70.74M	57.69M	28.66M	-18.92M	-20.72M
Long-Term Debt	0	0	0	0	0	3.24M	3.24M	0	0	759K
Short-Term Debt	211M	213M	165.73M	142.62M	124.25M	86.15M	54.81M	28.94M	0	69K
Other Liabilities	-3.92M	-3.97M	-3.3M	0	4.33M	4.45M	0	0	832K	0
Total Current Liabilities	0	0	0	0	124.25M	86.15M	59.53M	30.36M	99K	2.9M
Total Non-Current Liabilities	0	0	0	0	6.98M	11.06M	7.65M	176K	897K	7.75M
Total Liabilities	222.46M	224.75M	172.4M	147.53M	131.24M	97.22M	67.18M	30.54M	996K	10.65M
Total Equity+	102.85M	108.86M	108.44M	104.89M	107.58M	115.22M	116.39M	79.81M	58.84M	67.02M
Equity Growth %	0.14%	0.06%	-0%	-0.03%	0.03%	0.07%	0.01%	-0.31%	-0.26%	0.14%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.13%	0.05%	-0.01%	-0.03%	0.03%	0.07%	0.03%	-0.35%	-0.3%	-0.08%
Book Value per Share	13.21	13.89	13.83	13.23	13.97	15.04	15.14	10.89	8.08	10.01
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	33.29M	33.89M	34.56M	34.66M	34.87M	35.06M	35.29M	35.22M	35.27M	67K
Additional Paid-in Capital	33.29M	33.89M	34.56M	34.66M	0	0	0	0	0	41.65M
Retained Earnings	140.02M	145.43M	144.33M	140.68M	144.15M	152.5M	155.5M	121.38M	100.37M	93.85M
Accumulated OCI	0	0	0	0	0	0	0	0	0	0
Treasury Stock	-70.46M	-70.46M	-70.46M	-70.46M	-71.44M	-72.34M	-74.41M	-76.79M	-76.79M	-82.42M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	22.41M	27.32M	25.15M	14.04M	10.48M	14.4M	3.49M	-2.18M	1.83M	-1.9M
Operating CF Growth %	-0.09%	0.22%	-0.08%	-0.44%	-0.25%	0.37%	-0.76%	-1.63%	1.84%	-2.04%
Net Income	12.38M	5.41M	-1.1M	-3.65M	3.47M	8.35M	3M	-34.12M	-20.8M	-5.15M
Depreciation & Amortization	458K	492K	469K	380K	2.31M	1.84M	1.79M	390K	84K	2.12M
Deferred Taxes	-292K	-1.96M	2.22M	-835K	3.21M	1.63M	898K	1.39M	0	63K
Other Non-Cash Items	10.8M	22.42M	24.26M	20.53M	5.05M	-2.21M	-2.85M	32.63M	21.8M	976K
Working Capital Changes	-1.52M	347K	-909K	-2.46M	-3.75M	4.61M	456K	-2.4M	697K	-379K
Cash from Investing+	-34.99M	-28.7M	21.83M	44.16M	-3.68M	30.08M	3.86M	29.89M	45.8M	12.55M
Purchase of Investments	0	0	0	0	0	0	0	-7.24M	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	1000K	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	-20.48M	0	0	0	0	-18.14M
Other Investing	-34.08M	-27.93M	21.96M	44.39M	16.94M	30.7M	5.17M	29.89M	45.81M	30.69M
Cash from Financing+	11.04M	2.39M	-47.21M	-23.19M	-19.77M	-36.19M	-35.55M	-32.03M	-29.1M	-4.8M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-50K	0	0	0	-979K	-905K	-2.06M	-2.39M	0	-5.63M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	828K
Other Financing	-906K	388K	43K	-2.44M	-618K	0	-189K	-500K	0	0
Net Change in Cash+	-1.54M	1.01M	-229K	35.02M	-12.96M	8.29M	-28.2M	-4.32M	18.53M	5.85M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	3.39M	1.85M	2.85M	2.63M	37.64M	24.68M	32.98M	4.78M	454K	18.98M
Cash at End	1.85M	2.85M	2.63M	37.64M	24.68M	32.98M	4.78M	454K	18.98M	24.83M
Interest Paid	0	0	0	11.6M	8.19M	5.71M	3.42M	3.35M	997K	0
Income Taxes Paid	0	0	0	44K	6K	1.36M	541K	27K	0	0
Free Cash Flow+	21.5M	26.55M	25.02M	13.82M	10.36M	13.79M	2.17M	-2.24M	1.81M	-10.32M
FCF Growth %	-0.11%	0.24%	-0.06%	-0.45%	-0.25%	0.33%	-0.84%	-2.03%	1.81%	-6.69%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	12.85%	5.11%	-1.01%	-3.42%	3.26%	7.5%	2.59%	-34.78%	-30%	-8.18%
Return on Assets (ROA)	3.94%	1.64%	-0.36%	-1.37%	1.41%	3.7%	1.51%	-23.22%	-24.45%	-7.49%
Net Interest Margin	25.11%	24.35%	26.27%	24.48%	22.44%	22.7%	24.19%	36.56%	-1.31%	1.77%
Efficiency Ratio	100%	100%	100%	100%	100%	100%	100%	100%	1892.41%	177.16%
Equity / Assets	31.62%	32.63%	38.61%	41.55%	45.05%	54.24%	63.4%	72.32%	98.34%	86.29%
Book Value / Share	13.21	13.89	13.83	13.23	13.97	15.04	15.14	10.89	8.08	10.01
NII Growth	1.09%	-0.56%	-9.19%	-16.24%	-13.3%	-9.98%	-7.92%	-9.17%	-101.94%	275.51%

Revenue by Segment

	2025
Fiber Internet Services	2.6M
Fiber Internet Services Growth	-
Other Revenue	1.33M
Other Revenue Growth	-

Frequently Asked Questions

Growth & Financials

Old Market Capital Corporation (OMCC) grew revenue by 7308.3% over the past year. This is strong growth.

Old Market Capital Corporation (OMCC) reported a net loss of $2.7M for fiscal year 2025.

Dividend & Returns

Old Market Capital Corporation (OMCC) has a return on equity (ROE) of -8.2%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Old Market Capital Corporation (OMCC) has a net interest margin (NIM) of 1.8%. NIM has been under pressure due to interest rate environment.

Old Market Capital Corporation (OMCC) has an efficiency ratio of 177.2%. This is higher than peers, suggesting room for cost optimization.