Old Market Capital Corporation(OMCC)Earnings, Financials & Key Ratios
OMCC•NASDAQ•Banking & Credit
$4.10
$28M mkt cap·Price updated May 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and 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 Margin1.77%+235.2%
- Efficiency Ratio177.16%-90.6%
- ROA-7.49%+69.4%
- Equity / Assets86.29%-12.3%
- Book Value per Share10.01+23.9%
- Tangible BV/Share7.63-5.6%
- Debt/Equity0.06+5029.9%
OMCC Key Insights
Old Market Capital Corporation (OMCC) fundamental analysis — strengths, weaknesses & financial health based on 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 0.4x book value
✗Weaknesses
- ✗Weak NIM of 1.8%
- ✗High cost structure: 177.2% efficiency ratio
- ✗Weak momentum: RS Rating 20 (bottom 20%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
OMCC Price & Volume
Old Market Capital Corporation (OMCC) stock price & volume — 10-year historical chart
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OMCC Growth Metrics
Old Market Capital Corporation (OMCC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-18.24%
5 Years-27.49%
3 Years-37.69%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM82.96%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM83.45%
Return on Capital
10 Years-10.53%
5 Years-10.53%
3 Years-10.53%
Last Year-12.32%
OMCC Peer Comparison
Old Market Capital Corporation (OMCC) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CSWC | 1.43B | 23.99 | 16.32 | 7.67% | 10.32% | 1.08 | ||
 TPVG | 242.54M | 5.99 | 4.91 | 36.55% | -3.39% | 1.33 | ||
 GAIN | 657.46M | 16.51 | 9.28 | -12.88% | 21.89% | 0.91 | ||
 MRCC | 110.06M | 5.08 | 9.58 | -39.74% | -2.9% | 1.15 | ||
 SUNS | 103.48M | 7.71 | 8.12 | 148.14% | 46.04% | 6.6% | 0.67 | |
 HRZN | 199.02M | 4.51 | 4.30 | 17.91% | 8.95% | 1.49 | ||
 ARCC | 13.61B | 18.96 | 10.19 | 32.87% | 8.11% | 1.12 | ||
 GBDC | 3.43B | 13.15 | 9.26 | 42.5% | 5.24% | 1.23 |
Compare OMCC vs Peers
Old Market Capital Corporation (OMCC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OMCC Income Statement
Old Market Capital Corporation (OMCC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 81.24M | 73.78M | 61.8M | 53.58M | 48.23M | 44.41M | 40.34M | -784K | 1.38M | 933K |
| NII Growth % | -0.56% | -9.19% | -16.24% | -13.3% | -9.98% | -7.92% | -9.17% | -101.94% | 275.51% | 627.77% |
| Net Interest Margin % | 24.35% | 26.27% | 24.48% | 22.44% | 22.7% | 24.19% | 36.56% | -1.31% | 1.77% | 1.15% |
| Interest Income | 90.47M | 83.92M | 71.3M | 62.09M | 54.21M | 49.78M | 44.27M | 145K | 1.38M | 933K |
| Interest Expense | 9.22M | 10.14M | 9.5M | 8.52M | 5.98M | 5.37M | 3.93M | 929K | 0 | 0 |
| Loan Loss Provision | -9.22M | -10.14M | -9.5M | -8.52M | -5.98M | -5.37M | -3.93M | 2.57M | 0 | 2M |
| Non-Interest Income | -9M | -10.15M | -9.5M | -8.52M | -4.17M | -5.37M | -3.87M | 0 | 9.37M | 11.75M |
| Non-Interest Income % | -11.05% | -13.77% | -15.38% | -15.89% | -8.34% | -12.08% | -9.57% | 0% | 87.19% | 92.64% |
| Total Revenue | 81.47M▲ 0% | 73.76M▼ 9.5% | 61.8M▼ 16.2% | 53.58M▼ 13.3% | 50.04M▼ 6.6% | 44.41M▼ 11.2% | 40.41M▼ 9.0% | 145K▼ 99.6% | 10.74M▲ 7308.3% | 12.68M▲ 0% |
| Revenue Growth % | -0.26% | -9.46% | -16.22% | -13.3% | -6.61% | -11.24% | -9.02% | -99.64% | 7308.28% | 10822.37% |
| Non-Interest Expense | 81.47M | 73.76M | 61.8M | 53.58M | 50.04M | 44.41M | 40.41M | 2.74M | 19.03M | 14.12M |
| Efficiency Ratio | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 1892.41% | 177.16% | 111.31% |
| Operating Income | 0▲ 0% | 0▲ 0% | 0▲ 0% | 0▲ 0% | 0▲ 0% | 0▲ 0% | 0▲ 0% | -6.1M▲ 0% | -8.29M▼ 35.9% | -3.44M▲ 0% |
| Operating Margin % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | -4205.52% | -77.16% | -27.09% |
| Operating Income Growth % | - | - | - | - | - | - | - | - | -35.91% | - |
| Pretax Income | 8.74M▲ 0% | 3.16M▼ 63.8% | -4.59M▼ 245.1% | 2.25M▲ 149.0% | 10.95M▲ 387.1% | 4.05M▼ 63.0% | -32.7M▼ 908.3% | -6.1M▲ 81.4% | -8.29M▼ 35.9% | -3.01M▲ 0% |
| Pretax Margin % | 10.73% | 4.29% | -7.42% | 4.19% | 21.87% | 9.11% | -80.94% | -4205.52% | -77.16% | -23.77% |
| Income Tax | 3.33M | 4.26M | -940K | -1.22M | 2.6M | 1.05M | 1.42M | 0 | 63K | 115K |
| Effective Tax Rate % | 38.11% | 134.71% | 20.49% | -54.25% | 23.71% | 25.9% | -4.33% | 0% | -0.76% | -3.82% |
| Net Income | 5.41M▲ 0% | -1.1M▼ 120.3% | -3.65M▼ 232.2% | 3.47M▲ 195.0% | 8.35M▲ 140.9% | 3M▼ 64.1% | -34.12M▼ 1238.1% | -20.8M▲ 39.0% | -5.15M▲ 75.2% | -2.66M▲ 0% |
| Net Margin % | 6.64% | -1.49% | -5.9% | 6.47% | 16.69% | 6.75% | -84.44% | -14345.52% | -47.93% | -20.96% |
| Net Income Growth % | -56.31% | -120.3% | -232.24% | 195.01% | 140.94% | -64.1% | -1238.06% | 39.03% | 75.25% | 82.96% |
| Net Income (Continuing) | 5.41M | -1.1M | -3.65M | 3.47M | 8.35M | 3M | -34.12M | -6.1M | -8.35M | -3.13M |
| EPS (Diluted) | 0.69▲ 0% | -0.14▼ 120.3% | -0.46▼ 228.6% | 0.45▲ 197.8% | 1.09▲ 142.2% | 0.39▼ 64.2% | -4.65▼ 1292.3% | -2.86▲ 38.5% | -0.77▲ 73.1% | -0.40▲ 0% |
| EPS Growth % | -56.6% | -120.29% | -228.57% | 197.83% | 142.22% | -64.22% | -1292.31% | 38.49% | 73.08% | 83.45% |
| EPS (Basic) | 0.70 | -0.14 | -0.46 | 0.45 | 1.09 | 0.39 | -4.65 | -2.86 | -0.77 | - |
| Diluted Shares Outstanding | 7.84M | 7.84M | 7.93M | 7.7M | 7.66M | 7.69M | 7.33M | 7.28M | 6.7M | 6.71M |
OMCC Balance Sheet
Old Market Capital Corporation (OMCC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 2.85M | 2.63M | 35.59M | 16.8M | 22.02M | 4.78M | 454K | 18.98M | 24.52M | 93.46M |
| Cash & Due from Banks | 2.85M | 2.63M | 35.59M | 16.8M | 22.02M | 4.78M | 454K | 18.98M | 24.52M | 19.78M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 17K | 0 | 0 | 196.62M | 168.03M | 166.28M | 104.99M | 78.21M | 65K | 0 |
| Investments Growth % | - | -100% | - | - | -14.54% | -1.04% | -36.86% | -25.5% | -99.92% | -100% |
| Long-Term Investments | 17K | 0 | 0 | 196.62M | 168.03M | 166.28M | 104.99M | 78.21M | 65K | 79K |
| Accounts Receivables | 0 | 2.73M | 2.89M | 3.16M | 2.29M | 2.31M | 1.93M | 0 | 109K | 142K |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15.95M | 15.68M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12.28M | 12.28M |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.67M | 3.4M |
| PP&E (Net) | 1.18M | 843K | 656K | 3.08M | 4.25M | 6.06M | 222K | 140K | 33.91M | 42.5M |
| Other Assets | -1.2M | -843K | -656K | 9.22M | 11.64M | 658K | 1.67M | -38.4M | 310K | 330K |
| Total Current Assets | 2.85M | 2.63M | 35.59M | 25.99M | 26.23M | 9.18M | 3.47M | 19.88M | 27.44M | 22.56M |
| Total Non-Current Assets | 330.76M | 278.21M | 216.82M | 212.83M | 186.21M | 174.39M | 106.88M | 39.95M | 50.24M | 58.51M |
| Total Assets | 333.61M▲ 0% | 280.84M▼ 15.8% | 252.42M▼ 10.1% | 238.82M▼ 5.4% | 212.44M▼ 11.0% | 183.57M▼ 13.6% | 110.35M▼ 39.9% | 59.84M▼ 45.8% | 77.67M▲ 29.8% | 81.07M▲ 0% |
| Asset Growth % | 2.55% | -15.82% | -10.12% | -5.39% | -11.05% | -13.59% | -39.89% | -45.77% | 29.8% | 50.69% |
| Return on Assets (ROA) | 1.64% | -0.36% | -1.37% | 1.41% | 3.7% | 1.51% | -23.22% | -24.45% | -7.49% | -3.28% |
| Accounts Payable | 5.93M | 5M | 3.6M | 0 | 0 | 4.72M | 1.43M | 99K | 1.3M | 3.07M |
| Total Debt | 213M | 165.73M | 142.62M | 126.91M | 92.77M | 62.47M | 29.11M | 65K | 3.8M | 6.3M |
| Net Debt | 210.15M | 163.1M | 107.02M | 110.11M | 70.74M | 57.69M | 28.66M | -18.92M | -20.72M | -13.48M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 3.24M | 3.24M | 0 | 0 | 759K | 3.35M |
| Short-Term Debt | 213M | 165.73M | 142.62M | 124.25M | 86.15M | 54.81M | 28.94M | 0 | 69K | 411K |
| Other Liabilities | -3.97M | -3.3M | 0 | 4.33M | 4.45M | 0 | 0 | 832K | 0 | 0 |
| Total Current Liabilities | 0 | 0 | 0 | 124.25M | 86.15M | 59.53M | 30.36M | 99K | 2.9M | 4.96M |
| Total Non-Current Liabilities | 0 | 0 | 0 | 6.98M | 11.06M | 7.65M | 176K | 897K | 7.75M | 10.22M |
| Total Liabilities | 224.75M | 172.4M | 147.53M | 131.24M | 97.22M | 67.18M | 30.54M | 996K | 10.65M | 15.18M |
| Total Equity | 108.86M▲ 0% | 108.44M▼ 0.4% | 104.89M▼ 3.3% | 107.58M▲ 2.6% | 115.22M▲ 7.1% | 116.39M▲ 1.0% | 79.81M▼ 31.4% | 58.84M▼ 26.3% | 67.02M▲ 13.9% | 65.89M▲ 0% |
| Equity Growth % | 5.84% | -0.39% | -3.28% | 2.57% | 7.1% | 1.01% | -31.43% | -26.27% | 13.9% | 14.48% |
| Equity / Assets (Capital Ratio) | 32.63% | 38.61% | 41.55% | 45.05% | 54.24% | 63.4% | 72.32% | 98.34% | 86.29% | 81.28% |
| Return on Equity (ROE) | 5.11% | -1.01% | -3.42% | 3.26% | 7.5% | 2.59% | -34.78% | -30% | -8.18% | -4.03% |
| Book Value per Share | 13.89 | 13.83 | 13.23 | 13.97 | 15.04 | 15.14 | 10.89 | 8.08 | 10.01 | 9.82 |
| Tangible BV per Share | 13.89 | 13.83 | 13.23 | 13.97 | 15.04 | 15.14 | 10.89 | 8.08 | 7.63 | 7.48 |
| Common Stock | 33.89M | 34.56M | 34.66M | 34.87M | 35.06M | 35.29M | 35.22M | 35.27M | 67K | 68K |
| Additional Paid-in Capital | 33.89M | 34.56M | 34.66M | 0 | 0 | 0 | 0 | 0 | 41.65M | 43.28M |
| Retained Earnings | 145.43M | 144.33M | 140.68M | 144.15M | 152.5M | 155.5M | 121.38M | 100.37M | 93.85M | 92.35M |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | -70.46M | -70.46M | -70.46M | -71.44M | -72.34M | -74.41M | -76.79M | -76.79M | -82.42M | -81.93M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
OMCC Cash Flow Statement
Old Market Capital Corporation (OMCC) cash flow — operating, investing & free cash flow history
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 27.32M | 25.15M | 14.04M | 10.48M | 14.4M | 3.49M | -2.18M | 1.83M | -1.9M | -1.9M |
| Operating CF Growth % | 21.93% | -7.94% | -44.16% | -25.34% | 37.37% | -75.79% | -162.58% | 183.73% | -204% | 57.09% |
| Net Income | 5.41M | -1.1M | -3.65M | 3.47M | 8.35M | 3M | -34.12M | -20.8M | -5.15M | -2.66M |
| Depreciation & Amortization | 492K | 469K | 380K | 2.31M | 1.84M | 1.79M | 390K | 84K | 2.12M | 3.1M |
| Deferred Taxes | -1.96M | 2.22M | -835K | 3.21M | 1.63M | 898K | 1.39M | 0 | 63K | 115K |
| Other Non-Cash Items | 22.42M | 24.26M | 20.53M | 5.05M | -2.21M | -2.85M | 32.63M | 21.8M | 976K | -176K |
| Working Capital Changes | 347K | -909K | -2.46M | -3.75M | 4.61M | 456K | -2.4M | 697K | -379K | -1.16M |
| Cash from Investing | -28.7M | 21.83M | 44.16M | -3.68M | 30.08M | 3.86M | 29.89M | 45.8M | 12.55M | -12.59M |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | -7.24M | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 1000K | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | -6.24M | 0 | 0 | 0 |
| Acquisitions | 0 | 0 | 0 | -20.48M | 0 | 0 | 0 | 0 | -18.14M | 235K |
| Other Investing | -27.93M | 21.96M | 44.39M | 16.94M | 30.7M | 5.17M | 29.89M | 45.81M | 30.69M | -3.58M |
| Cash from Financing | 2.39M | -47.21M | -23.19M | -19.77M | -36.19M | -35.55M | -32.03M | -29.1M | -4.8M | 3.46M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | -979K | -905K | -2.06M | -2.39M | 0 | -5.63M | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | -979K | -905K | -2.06M | -2.39M | 0 | -5.63M | 0 |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 828K | 2.67M |
| Other Financing | 388K | 43K | -2.44M | -618K | 0 | -189K | -500K | 0 | 0 | -847K |
| Net Change in Cash | 1.01M▲ 0% | -229K▼ 122.8% | 35.02M▲ 15390.8% | -12.96M▼ 137.0% | 8.29M▲ 164.0% | -28.2M▼ 440.1% | -4.32M▲ 84.7% | 18.53M▲ 528.8% | 5.85M▼ 68.4% | -8.77M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 926K |
| Cash at Beginning | 1.85M | 2.85M | 2.63M | 37.64M | 24.68M | 32.98M | 4.78M | 454K | 18.98M | 22.03M |
| Cash at End | 2.85M | 2.63M | 37.64M | 24.68M | 32.98M | 4.78M | 454K | 18.98M | 24.83M | 19.78M |
| Interest Paid | 0 | 0 | 11.6M | 8.19M | 5.71M | 3.42M | 3.35M | 997K | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 44K | 6K | 1.36M | 541K | 27K | 0 | 0 | 0 |
| Free Cash Flow | 26.55M▲ 0% | 25.02M▼ 5.8% | 13.82M▼ 44.8% | 10.36M▼ 25.1% | 13.79M▲ 33.2% | 2.17M▼ 84.2% | -2.24M▼ 203.0% | 1.81M▲ 180.9% | -10.32M▼ 668.7% | -13.55M▲ 0% |
| FCF Growth % | 23.51% | -5.75% | -44.78% | -25.05% | 33.15% | -84.23% | -203.03% | 180.95% | -668.69% | -228.87% |
OMCC Banking Ratios
Old Market Capital Corporation (OMCC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 5.11% | -1.01% | -3.42% | 3.26% | 7.5% | 2.59% | -34.78% | -30% | -8.18% | -4.03% |
| Return on Assets (ROA) | 1.64% | -0.36% | -1.37% | 1.41% | 3.7% | 1.51% | -23.22% | -24.45% | -7.49% | -3.28% |
| Net Interest Margin | 24.35% | 26.27% | 24.48% | 22.44% | 22.7% | 24.19% | 36.56% | -1.31% | 1.77% | 1.15% |
| Efficiency Ratio | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 1892.41% | 177.16% | 111.31% |
| Equity / Assets | 32.63% | 38.61% | 41.55% | 45.05% | 54.24% | 63.4% | 72.32% | 98.34% | 86.29% | 81.28% |
| Book Value / Share | 13.89 | 13.83 | 13.23 | 13.97 | 15.04 | 15.14 | 10.89 | 8.08 | 10.01 | 9.82 |
| NII Growth | -0.56% | -9.19% | -16.24% | -13.3% | -9.98% | -7.92% | -9.17% | -101.94% | 275.51% | -77.34% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
OMCC Frequently Asked Questions
Old Market Capital Corporation (OMCC) stock FAQ — growth, dividends, profitability & financials explained
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.
Explore More OMCC
Old Market Capital Corporation (OMCC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
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Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates