First Capital (FCAP) Competitors

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

Which has preferable valuation and earnings, TBNK or FCAP?

First Capital has lower revenue, but higher earnings than Territorial Bancorp. Territorial Bancorp 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
Territorial Bancorp	$71.56M	1.27	$5.03M	-$0.26	-39.61
First Capital	$51.24M	2.38	$12.79M	$3.53	10.30

Do analysts prefer TBNK or FCAP?

Territorial Bancorp presently has a consensus target price of $9.89, suggesting a potential downside of 4.03%. Given Territorial Bancorp's higher possible upside, equities research analysts clearly believe Territorial Bancorp is more favorable than First Capital.

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

Does the media prefer TBNK or FCAP?

In the previous week, Territorial Bancorp had 5 more articles in the media than First Capital. MarketBeat recorded 10 mentions for Territorial Bancorp and 5 mentions for First Capital. First Capital's average media sentiment score of 0.44 beat Territorial Bancorp's score of -0.03 indicating that First Capital is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Territorial Bancorp	2 Very Positive mention(s)	0 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Neutral
First Capital	2 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is TBNK or FCAP more profitable?

First Capital has a net margin of 20.87% compared to Territorial Bancorp's net margin of -3.01%. First Capital's return on equity of 11.08% beat Territorial Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Territorial Bancorp	-3.01%	-0.90%	-0.10%
First Capital	20.87%	11.08%	1.02%

Do institutionals and insiders have more ownership in TBNK or FCAP?

50.4% of Territorial Bancorp shares are owned by institutional investors. Comparatively, 11.7% of First Capital shares are owned by institutional investors. 9.0% of Territorial Bancorp shares are owned by insiders. Comparatively, 4.4% of First Capital shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Is TBNK or FCAP a better dividend stock?

Territorial Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. First Capital pays an annual dividend of $1.16 per share and has a dividend yield of 3.2%. Territorial Bancorp pays out -15.4% of its earnings in the form of a dividend. First Capital pays out 32.9% 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 believe in TBNK or FCAP?

Territorial Bancorp received 63 more outperform votes than First Capital when rated by MarketBeat users. Likewise, 47.69% of users gave Territorial Bancorp an outperform vote while only 42.43% of users gave First Capital an outperform vote.

Company	Underperform	Outperform
Territorial Bancorp	Outperform Votes 206 47.69%	Underperform Votes 226 52.31%
First Capital	Outperform Votes 143 42.43%	Underperform Votes 194 57.57%

Which has more volatility and risk, TBNK or FCAP?

Territorial Bancorp has a beta of 0.61, meaning that its share price is 39% less volatile than the S&P 500. Comparatively, First Capital has a beta of 0.64, meaning that its share price is 36% less volatile than the S&P 500.

Summary

First Capital beats Territorial Bancorp on 10 of the 18 factors compared between the two stocks.