First Capital (FCAP) Competitors

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

Is FCAP or TBNK a better dividend stock?

First Capital pays an annual dividend of $1.16 per share and has a dividend yield of 3.5%. Territorial Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. First Capital pays out 32.9% of its earnings in the form of a dividend. Territorial Bancorp pays out -15.4% 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.

Which has more volatility & risk, FCAP or TBNK?

First Capital has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500. Comparatively, Territorial Bancorp has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.

Do analysts recommend FCAP or TBNK?

Territorial Bancorp has a consensus price target of $9.89, suggesting a potential downside of 7.96%. Given Territorial Bancorp's stronger consensus rating and higher possible 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)	0.00
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, 47.36% of users gave Territorial Bancorp an outperform vote while only 42.18% of users gave First Capital an outperform vote.

Company	Underperform	Outperform
First Capital	Outperform Votes 143 42.18%	Underperform Votes 196 57.82%
Territorial Bancorp	Outperform Votes 206 47.36%	Underperform Votes 229 52.64%

Do insiders and institutionals believe in FCAP or TBNK?

11.6% of First Capital shares are held by institutional investors. Comparatively, 50.4% 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 hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Which has better earnings & valuation, FCAP or TBNK?

First Capital has higher earnings, but lower revenue 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
First Capital	$42.48M	2.63	$12.79M	$3.53	9.43
Territorial Bancorp	$71.56M	1.33	$5.03M	-$0.26	-41.31

Does the media favor FCAP or TBNK?

In the previous week, Territorial Bancorp had 2 more articles in the media than First Capital. MarketBeat recorded 3 mentions for Territorial Bancorp and 1 mentions for First Capital. Territorial Bancorp's average media sentiment score of 0.81 beat First Capital's score of 0.00 indicating that Territorial Bancorp is being referred to more favorably in the news media.

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

Is FCAP or TBNK 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 10.82% beat Territorial Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Capital	20.87%	10.82%	1.01%
Territorial Bancorp	-3.01%	-0.90%	-0.10%

Summary

Territorial Bancorp beats First Capital on 10 of the 19 factors compared between the two stocks.