First Capital (FCAP) Competitors

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

Which has preferable earnings & valuation, 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	1.97	$12.79M	$3.57	8.46
Territorial Bancorp	$71.56M	0.99	$5.03M	$0.25	32.00

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 3.6%. 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.

Does the media prefer FCAP or TBNK?

In the previous week, First Capital had 4 more articles in the media than Territorial Bancorp. MarketBeat recorded 8 mentions for First Capital and 4 mentions for Territorial Bancorp. Territorial Bancorp's average media sentiment score of 0.94 beat First Capital's score of 0.74 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)	2 Positive mention(s)	3 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

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, 50.00% of users gave Territorial Bancorp an outperform vote while only 45.11% of users gave First Capital an outperform vote.

Company	Underperform	Outperform
First Capital	Outperform Votes 143 45.11%	Underperform Votes 174 54.89%
Territorial Bancorp	Outperform Votes 206 50.00%	Underperform Votes 206 50.00%

Is FCAP or TBNK more profitable?

First Capital has a net margin of 22.59% compared to Territorial Bancorp's net margin of 3.06%. First Capital's return on equity of 12.15% beat Territorial Bancorp'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 & 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 large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Do analysts prefer FCAP or TBNK?

Territorial Bancorp has a consensus price target of $9.08, indicating a potential upside of 13.50%. Given Territorial Bancorp's higher probable upside, analysts clearly 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 risk & volatility, FCAP or TBNK?

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

Summary

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