Territorial Bancorp (TBNK) Competitors

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

Do analysts rate FCAP or TBNK?

Territorial Bancorp has a consensus target price of $9.08, indicating a potential upside of 13.08%. Given First Capital'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

Which has more volatility and risk, FCAP or TBNK?

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

Is FCAP or TBNK more profitable?

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

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

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

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. First Capital has increased its dividend for 1 consecutive years. First Capital is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the MarketBeat Community prefer 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%

Which has higher 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	$51.24M	1.87	$12.79M	$3.57	8.00
Territorial Bancorp	$71.56M	0.99	$5.03M	$0.25	32.12

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. Territorial Bancorp's average media sentiment score of 0.72 beat First Capital'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

Summary

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