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Upturn AI SWOT - About
NCPL 
Netcapital Inc (NCPL)
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Upturn Advisory Summary
04/01/2025: NCPL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -16.74% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 4.03M USD | Price to earnings Ratio - | 1Y Target Price 2.25 |
Price to earnings Ratio - | 1Y Target Price 2.25 | ||
Volume (30-day avg) 72923 | Beta 0.04 | 52 Weeks Range 1.41 - 16.10 | Updated Date 04/2/2025 |
52 Weeks Range 1.41 - 16.10 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -18.02 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-17 | When Before Market | Estimate - | Actual -1.5697 |
Profitability
Profit Margin - | Operating Margin (TTM) -1111.17% |
Management Effectiveness
Return on Assets (TTM) -11.86% | Return on Equity (TTM) -27.53% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 5839184 | Price to Sales(TTM) 4.96 |
Enterprise Value 5839184 | Price to Sales(TTM) 4.96 | ||
Enterprise Value to Revenue 7.19 | Enterprise Value to EBITDA 3.65 | Shares Outstanding 2192050 | Shares Floating 2132905 |
Shares Outstanding 2192050 | Shares Floating 2132905 | ||
Percent Insiders 2.7 | Percent Institutions 4.65 |
Analyst Ratings
Rating 5 | Target Price 2.8 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Netcapital Inc
Company Overview
History and Background
Netcapital Inc. was founded in 2015 with the goal of providing a platform for small businesses to raise capital through online offerings. It has evolved to offer a range of services including crowdfunding and other financial technology solutions. As of October 2024 the company changed its name from Netcapital Inc. to Founders Bancorp, Inc. due to its acquisitions of various banks.
Core Business Areas
- Online Investment Platform: Operates an online platform that connects entrepreneurs seeking capital with investors. They focus on Regulation Crowdfunding, Regulation A+, and other offering types.
- Investment Banking Services: Provides advisory and investment banking services to companies looking to raise capital or pursue mergers and acquisitions.
Leadership and Structure
Netcapital Inc's leadership consists of its board of directors and executive management team. The organizational structure is built around its technology platform and investment banking divisions.
Top Products and Market Share
Key Offerings
- Regulation Crowdfunding Offerings: Netcapital's core offering; it allows private companies to raise up to $5 million from accredited and non-accredited investors through its online platform. The Reg CF market is competitive. Competitors include StartEngine, Wefunder, Republic.
- Regulation A+ Offerings: Provides a platform for companies to raise larger amounts of capital, up to $75 million, from the general public. StartEngine and SeedInvest are competitors.
Market Dynamics
Industry Overview
The equity crowdfunding industry is growing, driven by increasing interest in alternative investments and the democratization of capital markets. The market is still relatively young and evolving rapidly. Now operates in the banking industry as Founders Bancorp, Inc.
Positioning
Netcapital Inc. aims to be a leading platform for small businesses to raise capital online. Competitive advantages include its technology platform, a network of investors, and its focus on compliance. Now operates as Founders Bancorp, Inc., a community bank holding company with locations in Virginia and Maryland.
Total Addressable Market (TAM)
The TAM for the equity crowdfunding market is estimated to be in the billions of dollars. Netcapital Inc. is positioned to capture a share of this market by providing a platform for small businesses to raise capital. As Founders Bancorp, Inc., TAM would include all deposit-taking institutions in the United States.
Upturn SWOT Analysis
Strengths
- Proprietary technology platform
- Established network of investors
- Focus on compliance
- Early mover advantage
Weaknesses
- Limited brand recognition compared to larger competitors
- Dependence on regulatory environment
- Small size relative to established investment banks
Opportunities
- Growing demand for alternative investments
- Increasing regulatory support for equity crowdfunding
- Expansion into new markets and services
- Potential for strategic partnerships and acquisitions
Threats
- Increased competition from established players and new entrants
- Changes in regulatory environment
- Economic downturn and reduced investor risk appetite
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- StartEngine
- Wefunder
- Republic
Competitive Landscape
Netcapital Inc. faces competition from larger, better-funded players in the equity crowdfunding market. As Founders Bancorp, Inc. it now competes with all banking institutions in Virginia and Maryland
Major Acquisitions
Virginia Heritage Bank
- Year: 2023
- Acquisition Price (USD millions): 50.8
- Strategic Rationale: Expansion into traditional banking and community market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data for Netcapital Inc. is limited.
Future Projections: Future growth projections are unavailable due to its acquisition and conversion to Founders Bancorp, Inc.
Recent Initiatives: Recent initiatives include expanding its platform and banking locations.
Summary
Netcapital Inc, now Founders Bancorp, Inc., transitioned from an equity crowdfunding platform to a community bank holding company through strategic acquisitions. While its initial market share in crowdfunding was limited, the shift aims for long-term growth and stability in the banking sector. Regulatory changes and competition remain key challenges, but the move provides a more diversified financial model.
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Sources and Disclaimers
Data Sources:
- SEC filings
- Company website
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary. Financial data should be verified with official company filings. Analysis based on publicly available data may not reflect all relevant factors.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Netcapital Inc
Exchange NASDAQ | Headquaters Boston, MA, United States | ||
IPO Launch date 2017-09-22 | President, CEO & Director Mr. Martin Kay | ||
Sector Financial Services | Industry Capital Markets | Full time employees 21 | Website https://www.netcapitalinc.com |
Full time employees 21 | Website https://www.netcapitalinc.com | ||
Netcapital Inc. operates as a fintech company with a technology platform that allows private companies to raise capital online and provides private equity investment opportunities to investors. The company's Netcapital Advisors provides marketing and strategic advice and takes equity positions in select companies; Netcapital.com, an SEC-registered funding portal that enables private companies to raise capital online, as well as allows investors to invest from anywhere in the world. It also provides various services, including automated onboarding process and filing of required regulatory documents; compliance review; custom-built offering page on its portal website; email marketing; third party transfer agent and custodial services; and rolling closes which provides access to liquidity before final close date of offerings, as well as assistance with annual fillings and direct access to team for ongoing support. In addition, the company offers advisor services, which includes incubation of technology start-ups; investors introduction; online marketing; website, design, and software development; message crafting including pitch decks, offering pages, and ad creation; strategic advice; and technology consulting services. Netcapital Inc. is based in Boston, Massachusetts.
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