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Stock Ratings / Financials / RAND / dividends
GRAN (31) FLD (36) JFU (48) TAOX (23) ⌘ Pro Terminal →

Rand Capital Corporation (RAND) Dividend Safety Gauge & 10-Year DRIP Compounder

$9.50 -0.88% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.47

Rand Capital Corporation (RAND) carries a Roarable Rating of D- (Sell) with 40/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (40/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →
ROARABLE D- • RED ALERT Cap $28.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RAND Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RAND stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Rand Capital Corporation (NASDAQ: RAND) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $9.50 (-0.88% 1D, market cap $28.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, RAND ranks #938 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RAND compare to GRAN and FLD in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), RAND carries a Roarable D- (40/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -15.4%. By comparison, GRAN (Grande Group Limited (Class A)) holds a E grade (31/100 RQD, P/E N/A, ROIC —, cap $28.4M) and FLD (Fold Holdings Inc. (Class A)) posts a D- grade (36/100 RQD, P/E N/A, ROIC -35.0%, cap $29.0M). Among the 5-stock peer group, RAND leads on earnings multiple (N/A) while JFU leads on capital efficiency (0.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RAND?
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Per RAND's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000081955), Rand Capital Corporation generated $0 in revenue, -$8.0M in net income, and $11.3M in free cash flow against $53.2M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $9.47 (-0.35%)🧬 Disciplined Float (+0.72% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (40/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.4% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • D-
025507510040
3-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk D
Cash (10)Whales (5)SEC (10)Macro (10)CEO (5)
Each axis scored 0–20
12M PRICE TARGET CONE-8.1% Base Target
$18 Bull$9 Base$7 Bear
📬 FREE RAND RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RAND)Realized 20D OHLCV Swing Band: ±2%
Deterministic 5-Pillar Attribution (40/100 Composite)
🔍 WHY RAND SCORES 40/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+10/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 0.3% FCF Margin ($11.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution5/20 pts (-15 pt drag)

Disciplined Float (+0.72% YoY Shares) & executive Form 4 sales trim 15 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
48
Grade D$10.02-4.3% Next Q
Q2 (-2Q)
45
Grade D$9.59+1.6% Next Q
Q3 (-1Q)
43
Grade D$9.74-2.5% Next Q
Current
40
Grade D-$9.50-7.4% Hist 90D α
Trajectory: D (48) → D- (40)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a RAND Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While RAND currently carries a cautious 40/100 (D-) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($10.17) and Max Pain ($9.98) forces dealer call-delta covering toward $18.36.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.72% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RAND• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “RAND Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 40%NO 60%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring RAND)

  • ✓Walkthrough of RAND's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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Join Founding VIP Waitlist (No Card Required) →$100K Arena
RAND // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -12.04%▼ DESCENDING CHANNEL
2026-11-02O $9.12H $9.59L $9.12C $9.50VOL 684
RES: $11.34SUP: $9.07SMA50: $10.17SMA200: $10.65
$13.72$12.47$11.22$9.97$8.72RES $11.34SUP $9.07$9.502026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RAND Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RAND Butterfly Map → + Track RAND →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RAND today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RAND. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for RAND today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RAND)

Financials Rank #938 of 1096 ⚔️ GRAN vs RAND Full Matrix →

1. Head-to-Head Financials Peer Comparison (RAND vs. GRAN, FLD, JFU, TAOX)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Rand Capital Corporation (RAND) ranks #938 by composite RQD confidence (40/100, grade D-) and #1039 by equity capitalization ($28.5M). Within this direct 5-issuer industry benchmark cohort, RAND leads on earnings valuation at N/A trailing P/E, while JFU leads on capital efficiency and profitability with 0.3% ROIC and — gross margin. JFU currently holds the highest overall quantitative score in the immediate peer group at 48/100 (D) compared with RAND at 40/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
RAND ACTIVE
Rand Capital Corporation
D- 40/100 — — -15.4% -0.88% $28.5M Benchmark Subject
GRAN
Grande Group Limited (Class A)
E 31/100 — — — +4.39% $28.4M /gran-vs-rand →
FLD
Fold Holdings Inc. (Class A)
D- 36/100 — — -35.0% +1.14% $29.0M /fld-vs-rand →
JFU
9F Inc.
D 48/100 — — 0.3% -11.86% $30.6M /jfu-vs-rand →
TAOX
Tao Synergies Inc.
E 23/100 — — -35.0% -10.44% $25.7M /taox-vs-rand →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000081955

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Rand Capital Corporation (RAND) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$8.0M, operating cash flow of $11.3M, and free cash flow of $11.3M (-26.6% YoY). On the balance sheet, RAND closed FY2025 with $53.2M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $0 -$8.0M $11.3M $11.3M $53.2M —
FY2024 (FY) 2024-12-31 $0 $8.8M $15.3M $15.3M $72.5M —
FY2023 (FY) 2023-12-31 $0 $6.5M -$8.3M -$8.3M — —

3. RAND Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RAND stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Rand Capital Corporation (NASDAQ: RAND) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $9.50 (-0.88% 1D, market cap $28.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, RAND ranks #938 in composite RQD confidence.

How does RAND compare to GRAN and FLD in the Financials sector?

Within the Financials sector (Finance: Consumer Services), RAND carries a Roarable D- (40/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -15.4%. By comparison, GRAN (Grande Group Limited (Class A)) holds a E grade (31/100 RQD, P/E N/A, ROIC —, cap $28.4M) and FLD (Fold Holdings Inc. (Class A)) posts a D- grade (36/100 RQD, P/E N/A, ROIC -35.0%, cap $29.0M). Among the 5-stock peer group, RAND leads on earnings multiple (N/A) while JFU leads on capital efficiency (0.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RAND?

Per RAND's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000081955), Rand Capital Corporation generated $0 in revenue, -$8.0M in net income, and $11.3M in free cash flow against $53.2M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RAND trading relative to its 50-day, 200-day, and 52-week technical levels?

RAND last traded at $9.50 (-0.88% on volume of 394 shares), positioning the stock -6.59% below its 50-day simple moving average ($10.17) and -10.80% below its 200-day simple moving average ($10.65). Across its 52-week range of $9.11 to $17.49, RAND sits at the 4.7% percentile with a 14-day RSI of 46.3 (NEUTRAL RANGE) and an implied next-earnings move of ±2.0% ($9.31 to $9.69).

RAND Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does RAND pay a dividend and is it safe?

Rand Capital Corporation (RAND) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: RAND RQD Cockpit RAND 12M Forecast RAND Earnings & Move RAND Dividends & DRIP RAND Insiders & 13F RAND Whale Options RAND Profit Sankey RAND News & Why
ROARABLE RATING BRIEF • RQD 40/100 (D-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

RAND — Rand Capital Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:48:59Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, RAND scores 40 out of 100 (grade D-, verdict "Roarable Sell — Vulnerable Balance Sheet & Flow"). The five pillars are: Fundamental Cash Engine at 10/20 (ROIC of -15.4% and FCF yield of 0%), Whale 13F Flow at 5/20 (institutional accumulation and options positioning), Insider Conviction at 5/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 10/20 (beta of 1.0 and sector sensitivity), and Forensic Balance Sheet at 10/20 (Altman Z-Score 2.5, Piotroski F-Score 3/9, Debt/Equity 0.5). Taken together, the weakest pillars are the flow-based ones: the rating assigns only 5 of 20 points each to institutional and insider conviction, indicating limited supportive positioning in the source data. The cash-engine pillar is also weak, with a negative ROIC and a 0% FCF yield per the market data. The forensic pillar sits in the middle, suggesting the balance sheet is not in acute distress by these measures but is not a source of strength either. For a prospective investor, the upside case depends on a turnaround in return on capital that the source data does not yet show; the valuation tradeoff is that the stock trades at a $28.5M market cap with no reported positive FCF yield to anchor it. This is an analytical summary of the rating, not personalized financial advice.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$0.0M$-8.0MN/A$11.3M$4.2MN/A
FY 2024$0.0M$0.0M$8.8MN/A$15.3M$0.8MN/A
FY 2023$0.0M$0.0M$6.5MN/A$-8.3MN/AN/A

Per the SEC financials, reported revenue and operating income are $0.0M in each period shown, and net income swung from $6.5M (FY 2023) and $8.8M (FY 2024) to $-8.0M (FY 2025). Margins are reported as 0% for gross, operating, and net. Per the market data, ROIC is -15.4%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 3/9, per the Roarable RQD rating's forensic pillar, with Debt/Equity at 0.5. The source data does not provide a detailed debt schedule, so the balance sheet posture beyond these ratios cannot be further characterized.

Recent Catalysts & News Wire Analysis

The news items in the source data are all tagged to RAND and consist of routine market commentary, with no substantive company-specific operating news beyond an earnings call announcement. The first item announces a Third Quarter Fiscal Year 2026 Financial Results Conference Call and Webcast (Yahoo Finance, marked yellow). A second item, from TradingView, is an estimates page for the company. Two items from Stock Traders Daily (marked red, "RISK WATCH") are titled as risk-zone and risk-channel commentary, and a Yahoo! Finance Canada item is a seasonal returns chart for a different company, PhenixFIN Corporation (PFX). A further item describes trading at $9.59 as range-bound with a key reversal day, sourced from a website that is not a financial news outlet. The Butterfly Supply-Chain Graph lists no supply-chain links and no proprietary signals.

Open Questions

  • What are the company's specific products, customers, and revenue drivers, given that the source data reports $0.0M revenue across all periods?
  • What caused the swing in net income from positive $8.8M in FY 2024 to negative $-8.0M in FY 2025, and is it expected to persist?
  • What is the debt composition and maturity profile, since debt is reported as N/A in every period while Debt/Equity is 0.5?
  • What explains the 0% FCF yield and negative ROIC despite positive reported FCF in FY 2024 and FY 2025?
  • What are the EPS and valuation multiples (P/E, EV/EBITDA), which are unavailable in the source data?

RAND Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Rand Capital Corporation (RAND) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RAND Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RAND Bull vs. Bear Conversation Board — What's Your Call at $9.50?

🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RAND 🐻 67% BEARISH CONVICTION
1. Pick Your Side on RAND:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH 🎯 Target: $8.44 (-12.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is RAND (D- • RQD 40/100) a Buy at $9.59?

Welcome to the RAND (Rand Capital Corporation) Roar Pit. Current RQD Composite is 40/100 (Roarable Sell — Vulnerable Balance Sheet & Flow) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $7.86 (-18.0%)
Spot @ $9.59

Pump the brakes on RAND — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on RAND, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Rand Capital Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $11.60 (+21.0%)
Spot @ $9.59

RAND cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on RAND, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $9.59 (52-wk range $9.11 - $17.49), any beat on forward guidance forces shorts and underweight funds to chase.

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