First Capital (FCAP) Competitors

First Capital (NASDAQ:FCAP) and Territorial Bancorp (NASDAQ:TBNK) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their institutional ownership, community ranking, earnings, risk, media sentiment, profitability, dividends, analyst recommendations and valuation.

Do analysts rate FCAP or TBNK?

Territorial Bancorp has a consensus price target of $9.08, indicating a potential upside of 13.08%. Given Territorial Bancorp's higher probable upside, analysts plainly believe Territorial Bancorp is more favorable than First Capital.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Capital	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
Territorial Bancorp	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the MarketBeat Community believe in FCAP or TBNK?

Territorial Bancorp received 63 more outperform votes than First Capital when rated by MarketBeat users. Likewise, 50.00% of users gave Territorial Bancorp an outperform vote while only 44.97% of users gave First Capital an outperform vote.

Company	Underperform	Outperform
First Capital	Outperform Votes 143 44.97%	Underperform Votes 175 55.03%
Territorial Bancorp	Outperform Votes 206 50.00%	Underperform Votes 206 50.00%

Is FCAP or TBNK more profitable?

First Capital has a net margin of 22.59% compared to Territorial Bancorp's net margin of 3.06%. First Capital's return on equity of 12.15% beat Territorial Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Capital	22.59%	12.15%	1.03%
Territorial Bancorp	3.06%	0.89%	0.10%

Does the media refer more to FCAP or TBNK?

In the previous week, First Capital had 3 more articles in the media than Territorial Bancorp. MarketBeat recorded 6 mentions for First Capital and 3 mentions for Territorial Bancorp. First Capital's average media sentiment score of 0.72 beat Territorial Bancorp's score of 0.63 indicating that First Capital is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Capital	0 Very Positive mention(s)	2 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Territorial Bancorp	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more risk & volatility, FCAP or TBNK?

First Capital has a beta of 0.62, suggesting that its stock price is 38% less volatile than the S&P 500. Comparatively, Territorial Bancorp has a beta of 0.64, suggesting that its stock price is 36% less volatile than the S&P 500.

Which has stronger valuation & earnings, FCAP or TBNK?

First Capital has higher earnings, but lower revenue than Territorial Bancorp. First Capital is trading at a lower price-to-earnings ratio than Territorial Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Capital	$41.54M	2.31	$12.79M	$3.57	8.00
Territorial Bancorp	$41.78M	1.70	$5.03M	$0.25	32.12

Do institutionals & insiders believe in FCAP or TBNK?

11.6% of First Capital shares are held by institutional investors. Comparatively, 50.3% of Territorial Bancorp shares are held by institutional investors. 4.4% of First Capital shares are held by company insiders. Comparatively, 9.0% of Territorial Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Is FCAP or TBNK a better dividend stock?

First Capital pays an annual dividend of $1.08 per share and has a dividend yield of 3.8%. Territorial Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.5%. First Capital pays out 30.3% of its earnings in the form of a dividend. Territorial Bancorp pays out 16.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

First Capital and Territorial Bancorp tied by winning 9 of the 18 factors compared between the two stocks.