First Capital (FCAP) Competitors

South Plains Financial (NASDAQ:SPFI) and First Capital (NASDAQ:FCAP) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their community ranking, valuation, institutional ownership, dividends, earnings, profitability, media sentiment, analyst recommendations and risk.

Is SPFI or FCAP a better dividend stock?

South Plains Financial pays an annual dividend of $0.60 per share and has a dividend yield of 1.9%. First Capital pays an annual dividend of $1.16 per share and has a dividend yield of 2.9%. South Plains Financial pays out 20.5% of its earnings in the form of a dividend. First Capital pays out 32.5% 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.

Does the MarketBeat Community favor SPFI or FCAP?

First Capital received 94 more outperform votes than South Plains Financial when rated by MarketBeat users. However, 56.32% of users gave South Plains Financial an outperform vote while only 39.94% of users gave First Capital an outperform vote.

Company	Underperform	Outperform
South Plains Financial	Outperform Votes 49 56.32%	Underperform Votes 38 43.68%
First Capital	Outperform Votes 143 39.94%	Underperform Votes 215 60.06%

Does the media refer more to SPFI or FCAP?

In the previous week, South Plains Financial had 10 more articles in the media than First Capital. MarketBeat recorded 11 mentions for South Plains Financial and 1 mentions for First Capital. First Capital's average media sentiment score of 1.37 beat South Plains Financial's score of 1.24 indicating that First Capital is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
South Plains Financial	5 Very Positive mention(s)	0 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
First Capital	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has better earnings and valuation, SPFI or FCAP?

South Plains Financial has higher revenue and earnings than First Capital. South Plains Financial is trading at a lower price-to-earnings ratio than First Capital, 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
South Plains Financial	$189.30M	2.80	$49.72M	$2.92	11.03
First Capital	$43.45M	3.14	$11.94M	$3.57	11.38

Do analysts recommend SPFI or FCAP?

South Plains Financial currently has a consensus price target of $42.67, suggesting a potential upside of 32.51%. Given South Plains Financial's stronger consensus rating and higher possible upside, equities research analysts clearly believe South Plains Financial is more favorable than First Capital.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
South Plains Financial	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
First Capital	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Do insiders and institutionals hold more shares of SPFI or FCAP?

55.0% of South Plains Financial shares are held by institutional investors. Comparatively, 11.6% of First Capital shares are held by institutional investors. 25.4% of South Plains Financial shares are held by insiders. Comparatively, 4.4% of First Capital shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Is SPFI or FCAP more profitable?

First Capital has a net margin of 20.54% compared to South Plains Financial's net margin of 17.20%. South Plains Financial's return on equity of 11.75% beat First Capital's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
South Plains Financial	17.20%	11.75%	1.17%
First Capital	20.54%	10.84%	1.02%

Which has more risk and volatility, SPFI or FCAP?

South Plains Financial has a beta of 0.46, indicating that its share price is 54% less volatile than the S&P 500. Comparatively, First Capital has a beta of 0.53, indicating that its share price is 47% less volatile than the S&P 500.

Summary

South Plains Financial beats First Capital on 12 of the 20 factors compared between the two stocks.