Generations Bancorp NY (GBNY) Competitors

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

Do insiders & institutionals have more ownership in FCAP or GBNY?

11.6% of First Capital shares are held by institutional investors. Comparatively, 37.7% of Generations Bancorp NY shares are held by institutional investors. 4.4% of First Capital shares are held by company insiders. Comparatively, 6.2% of Generations Bancorp NY shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Does the MarketBeat Community favor FCAP or GBNY?

First Capital received 143 more outperform votes than Generations Bancorp NY when rated by MarketBeat users.

Company	Underperform	Outperform
First Capital	Outperform Votes 143 40.51%	Underperform Votes 210 59.49%
Generations Bancorp NY	N/A	N/A

Does the media prefer FCAP or GBNY?

In the previous week, First Capital had 3 more articles in the media than Generations Bancorp NY. MarketBeat recorded 3 mentions for First Capital and 0 mentions for Generations Bancorp NY. Generations Bancorp NY's average media sentiment score of 0.99 beat First Capital's score of 0.82 indicating that Generations Bancorp NY is being referred to more favorably in the news media.

Company	Overall Sentiment
First Capital	Positive
Generations Bancorp NY	Positive

Which has preferable earnings & valuation, FCAP or GBNY?

First Capital has higher revenue and earnings than Generations Bancorp NY. Generations Bancorp NY 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	$43.45M	2.93	$11.94M	$3.57	10.62
Generations Bancorp NY	$19.30M	1.79	-$1.57M	-$1.23	-12.28

Which has more risk & volatility, FCAP or GBNY?

First Capital has a beta of 0.52, meaning that its stock price is 48% less volatile than the S&P 500. Comparatively, Generations Bancorp NY has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500.

Is FCAP or GBNY more profitable?

First Capital has a net margin of 20.54% compared to Generations Bancorp NY's net margin of -13.15%. First Capital's return on equity of 10.84% beat Generations Bancorp NY's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Capital	20.54%	10.84%	1.02%
Generations Bancorp NY	-13.15%	-7.26%	-0.64%

Summary

First Capital beats Generations Bancorp NY on 11 of the 14 factors compared between the two stocks.