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Stocks to Compare Sections All Sections Selected Performance Chart Price & Volume MarketRank Analyst Ratings Sales & Book Value Profitability & Earnings Dividends Debt Ownership Miscellaneous Headlines About Compare NASDAQ:FCAPNASDAQ:IBCPNYSE:VELNYSE:XYF On This Page Performance ChartPrice & VolumeMarketRank™Analyst RatingsSales & Book ValueProfitability & EarningsDividendsDebtOwnershipMiscellaneousHeadlinesAbout Comparison Ideas Stock Ideas Comparative Price Performance Over Time1 day7 days30 days90 days365 daysCompare Price & VolumeCompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's VolumeFCAPFirst Capital$43.25-1.0%$46.12$28.50▼$53.85$146.56M0.626,971 shs9,927 shsIBCPIndependent Bank$33.93-1.9%$31.77$25.63▼$40.32$716.94M0.84104,049 shs80,073 shsVELVelocity Financial$18.36-1.5%$17.59$16.12▼$20.98$680.21M1.2282,436 shs96,096 shsXYFX Financial$18.74-1.4%$16.67$3.78▼$19.80$794.23M0.2127,436 shs371,297 shsBeginner's Guide To Retirement StocksEnter your email address and we'll send you MarketBeat's list of seven best retirement stocks and why they should be in your portfolio. Get This Free ReportCompare Price PerformanceCompany1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year PerformanceFCAPFirst Capital-1.00%+4.75%-3.37%+12.45%+43.95%IBCPIndependent Bank-1.94%+4.69%+7.95%+18.80%+33.01%VELVelocity Financial-1.50%-0.86%+7.57%+6.79%+0.27%XYFX Financial-1.42%+7.83%-3.69%+55.39%+336.32%Compare MarketRank™CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & ValuationFCAPFirst CapitalN/AN/AN/AN/AN/AN/AN/AN/AIBCPIndependent Bank3.0074 of 5 stars1.03.04.20.02.33.31.9VELVelocity Financial2.0034 of 5 stars2.23.00.00.00.62.51.9XYFX Financial2.7436 of 5 stars0.03.01.70.03.01.71.9Compare Analyst ForecastsCompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current PriceFCAPFirst Capital 0.00N/AN/AN/AIBCPIndependent Bank 2.00Hold$36.678.07% UpsideVELVelocity Financial 2.33Hold$21.3316.19% UpsideXYFX Financial 0.00N/AN/AN/ACurrent Analyst Ratings BreakdownLatest FCAP, XYF, IBCP, and VEL Analyst RatingsDateCompanyBrokerageActionRatingPrice TargetDetails6/10/2025VELVelocity FinancialJMP SecuritiesSubscribe to MarketBeat All Access for the recommendation accuracy ratingReiterated RatingMarket Outperform ➝ Market Outperform$21.004/28/2025IBCPIndependent BankPiper SandlerSubscribe to MarketBeat All Access for the recommendation accuracy ratingLower Price TargetNeutral ➝ Neutral$38.00 ➝ $36.004/25/2025IBCPIndependent BankKeefe, Bruyette & WoodsSubscribe to MarketBeat All Access for the recommendation accuracy ratingLower Price TargetMarket Perform ➝ Market Perform$37.00 ➝ $35.00(Data available from 7/8/2022 forward. View 10+ years of historical ratings with our analyst ratings screener.)Compare Sales & Book ValueCompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/BookFCAPFirst Capital$44.38M3.27$4.82 per share8.98$34.22 per share1.26IBCPIndependent Bank$323.14M2.18$3.61 per share9.41$21.76 per share1.56VELVelocity Financial$224.07M2.99$2.59 per share7.09$15.71 per share1.17XYFX Financial$804.43M0.97$4.87 per share3.85$22.80 per share0.82Compare Profitability & EarningsCompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings DateFCAPFirst Capital$11.94M$3.6611.82∞N/A20.51%10.64%1.03%7/25/2025 (Estimated)IBCPIndependent Bank$66.79M$3.1410.8110.34N/A20.62%14.71%1.25%7/24/2025 (Estimated)VELVelocity Financial$68.42M$1.949.469.32N/A48.70%14.62%1.39%7/30/2025 (Estimated)XYFX Financial$210.97M$4.803.90∞N/A24.76%23.30%13.70%8/20/2025 (Estimated)Latest FCAP, XYF, IBCP, and VEL EarningsDateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails7/24/2025Q2 2025IBCPIndependent Bank$0.78N/AN/AN/A$47.72 millionN/A5/19/2025Q1 2025XYFX FinancialN/A$1.40N/A$1.46N/A$267.00 million5/1/2025Q1 2025VELVelocity Financial$0.52$0.55+$0.03$0.51$51.33 million$69.08 million4/25/2025Q1 2025FCAPFirst CapitalN/A$0.97N/A$0.97N/A$11.43 million4/24/2025Q1 2025IBCPIndependent Bank$0.70$0.74+$0.04$0.74$46.25 million$54.11 millionCompare DividendsCompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive GrowthFCAPFirst Capital$1.162.68%N/A31.69%2 YearsIBCPIndependent Bank$1.043.07%N/A33.12%11 YearsVELVelocity FinancialN/AN/AN/AN/AN/AXYFX Financial$0.482.56%N/A10.00%N/ALatest FCAP, XYF, IBCP, and VEL DividendsAnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date5/21/2025FCAPFirst Capitalquarterly$0.292.35%6/13/20256/13/20256/27/20254/22/2025IBCPIndependent Bankquarterly$0.263.38%5/5/20255/5/20255/15/2025(Data available from 1/1/2013 forward)Compare DebtCompanyDebt-to-Equity RatioCurrent RatioQuick RatioFCAPFirst CapitalN/A0.700.70IBCPIndependent Bank0.270.910.90VELVelocity Financial8.2738.6738.67XYFX FinancialN/A2.392.39Compare OwnershipInstitutional OwnershipCompanyInstitutional OwnershipFCAPFirst Capital11.65%IBCPIndependent Bank79.43%VELVelocity Financial97.49%XYFX Financial1.15%Insider OwnershipCompanyInsider OwnershipFCAPFirst Capital4.01%IBCPIndependent Bank5.68%VELVelocity Financial4.60%XYFX Financial31.58%Compare Miscellaneous StatsCompanyEmployeesShares OutstandingFree FloatOptionableFCAPFirst Capital2203.36 million3.22 millionNot OptionableIBCPIndependent Bank92020.72 million19.54 millionOptionableVELVelocity Financial22036.49 million34.81 millionOptionableXYFX Financial42041.78 million28.59 millionNot OptionableFCAP, XYF, IBCP, and VEL HeadlinesRecent News About These CompaniesX Financial (NYSE:XYF) Shares Down 1.4% - What's Next?3 hours ago | marketbeat.comX Financial (NYSE:XYF) Sees Large Volume Increase - Still a Buy?July 2, 2025 | marketbeat.comThe total return for X Financial (NYSE:XYF) investors has risen faster than earnings growth over the last three yearsJune 19, 2025 | finance.yahoo.comX Financial (NYSE:XYF) Shares Gap Down - Here's What HappenedJune 18, 2025 | marketbeat.comX Financial (NYSE:XYF) Sees Large Volume Increase - Here's WhyJune 16, 2025 | marketbeat.comLa Rosa Holdings Corp. Enters Strategic Alliance with MiiX Financial to Enhance Residential Financing SolutionsJune 12, 2025 | quiverquant.comQX Financial (NYSE:XYF) Trading Up 5.5% - Should You Buy?June 11, 2025 | marketbeat.comX Financial: Stock Quadruples In 12 Months, Still An Asymmetric BetJune 7, 2025 | seekingalpha.comSEC Reportedly Has Qualms About Two Firms’ Crypto ETF PlansJune 1, 2025 | pymnts.comSEC Raises Red Flags Over Crypto ETFs Offering Staking RewardsJune 1, 2025 | benzinga.comX Financial (NYSE:XYF) Q1 2025 Earnings Call TranscriptMay 21, 2025 | msn.comX Financial (XYF) Q1 2025 Earnings Call Highlights: Robust Loan Growth and Strategic Share BuybacksMay 21, 2025 | finance.yahoo.comQ1 2025 X Financial Earnings Call TranscriptMay 20, 2025 | gurufocus.comX Financial Reports Strong Q1 2025 PerformanceMay 20, 2025 | tipranks.comX Financial XYF Q1 2025 Earnings Call TranscriptMay 20, 2025 | msn.comX Financial Reports Strong Q1 Growth Amid Regulatory ConcernsMay 20, 2025 | tipranks.comX Financial Authorizes $100 Million In Additional Share RepurchasesMay 20, 2025 | marketwatch.comAgilysys, Amer Sports, X Financial And Other Big Stocks Moving Higher On TuesdayMay 20, 2025 | benzinga.comX Financial (XYF) Q1 2025 Earnings Call TranscriptMay 20, 2025 | seekingalpha.comX Financial Reports Robust Q1 2025 Growth with Increased Loan FacilitationMay 19, 2025 | tipranks.comX Financial Reports First Quarter 2025 Unaudited Financial ResultsMay 19, 2025 | gurufocus.comNew MarketBeat Followers Over TimeMedia Sentiment Over TimeFCAP, XYF, IBCP, and VEL Company DescriptionsFirst Capital NASDAQ:FCAP$43.25 -0.43 (-0.98%) As of 07/7/2025 04:00 PM EasternFirst Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers. The company offers various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also provides residential mortgage loans, construction loans for residential and commercial properties, and commercial real estate loans, as well as commercial business loans. In addition, the company originates mortgage loans for sale in the secondary market and sells non-deposit investment products; and offers various secured or guaranteed consumer loans comprising automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans, credit cards and other personal loans, and loans secured by savings deposits, as well as unsecured consumer loans. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.Independent Bank NASDAQ:IBCP$33.93 -0.67 (-1.94%) As of 07/7/2025 04:00 PM EasternIndependent Bank Corporation operates as the bank holding company for Independent Bank that provides commercial banking services to individuals and businesses in rural and suburban communities in Michigan. It offers checking and savings accounts, commercial lending, direct and indirect consumer financing, mortgage lending, and safe deposit box services. The company also provides title insurance services and investment services, as well as automatic teller machines, and internet and mobile banking services. In addition, it operates through branches, drive-thru facilities, and loan production offices. Independent Bank Corporation was founded in 1864 and is based in Grand Rapids, Michigan.Velocity Financial NYSE:VEL$18.36 -0.28 (-1.50%) As of 07/7/2025 03:58 PM EasternVelocity Financial, Inc. operates as a real estate finance company in the United States. It originates, securitizes, and manages a portfolio of loans, which are secured by first mortgage liens on income-producing and/or owner/user commercial properties, including investor 1-4, a non-owner occupied residential rental properties with 1-4 units; residential apartments combined with office or retail space; and multi-family comprising traditional apartment buildings, condominiums, and other residential properties with 5+ units. The company also finances for retail properties with various types of retail products and merchandise or services; commercial properties occupied by professional or business offices; and warehouse and other properties, which include self-storage units, auto services, hospitality, light industrial, and other commercial enterprises, as well as provides short-term and interest-only loans for acquisition and improvement of 1-4-unit residential properties. It offers its products through a network of independent mortgage brokers for independent real estate investors and small business owners. The company was founded in 2004 and is headquartered in Westlake Village, California.X Financial NYSE:XYF$18.74 -0.27 (-1.42%) As of 07/7/2025 03:59 PM EasternX Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China. 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