First Capital (FCAP) Competitors

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

Does the MarketBeat Community believe in FCAP or PROV?

Provident Financial received 90 more outperform votes than First Capital when rated by MarketBeat users. Likewise, 46.05% of users gave Provident Financial an outperform vote while only 45.54% of users gave First Capital an outperform vote.

Company	Underperform	Outperform
First Capital	Outperform Votes 143 45.54%	Underperform Votes 171 54.46%
Provident Financial	Outperform Votes 233 46.05%	Underperform Votes 273 53.95%

Which has more risk & volatility, FCAP or PROV?

First Capital has a beta of 0.62, suggesting that its stock price is 38% less volatile than the S&P 500. Comparatively, Provident Financial has a beta of 0.4, suggesting that its stock price is 60% less volatile than the S&P 500.

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

11.7% of First Capital shares are held by institutional investors. Comparatively, 71.3% of Provident Financial shares are held by institutional investors. 4.4% of First Capital shares are held by insiders. Comparatively, 15.1% of Provident Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Is FCAP or PROV a better dividend stock?

First Capital pays an annual dividend of $1.08 per share and has a dividend yield of 3.8%. Provident Financial pays an annual dividend of $0.56 per share and has a dividend yield of 4.4%. First Capital pays out 30.3% of its earnings in the form of a dividend. Provident Financial pays out 53.8% 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 higher valuation and earnings, FCAP or PROV?

First Capital has higher revenue and earnings than Provident Financial. First Capital is trading at a lower price-to-earnings ratio than Provident Financial, 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	1.84	$12.79M	$3.57	7.87
Provident Financial	$50.07M	1.78	$8.59M	$1.04	12.36

Do analysts recommend FCAP or PROV?

Provident Financial has a consensus target price of $14.00, indicating a potential upside of 8.95%. Given Provident Financial's higher possible upside, analysts plainly believe Provident Financial 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
Provident Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Is FCAP or PROV more profitable?

First Capital has a net margin of 22.59% compared to Provident Financial's net margin of 12.57%. First Capital's return on equity of 12.47% beat Provident Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Capital	22.59%	12.47%	1.04%
Provident Financial	12.57%	5.56%	0.55%

Does the media favor FCAP or PROV?

In the previous week, Provident Financial had 9 more articles in the media than First Capital. MarketBeat recorded 12 mentions for Provident Financial and 3 mentions for First Capital. First Capital's average media sentiment score of 0.15 beat Provident Financial's score of -0.29 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)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Provident Financial	0 Very Positive mention(s)	0 Positive mention(s)	6 Neutral mention(s)	4 Negative mention(s)	0 Very Negative mention(s)	Neutral

Summary

First Capital beats Provident Financial on 10 of the 18 factors compared between the two stocks.