First Capital (FCAP) Competitors

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

Which has more volatility and risk, ACNB or FCAP?

ACNB has a beta of 0.95, suggesting that its share price is 5% less volatile than the S&P 500. Comparatively, First Capital has a beta of 0.65, suggesting that its share price is 35% less volatile than the S&P 500.

Do insiders & institutionals believe in ACNB or FCAP?

32.4% of ACNB shares are owned by institutional investors. Comparatively, 11.7% of First Capital shares are owned by institutional investors. 3.5% of ACNB shares are owned by insiders. Comparatively, 4.0% of First Capital shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Which has better valuation & earnings, ACNB or FCAP?

ACNB has higher revenue and earnings than First Capital. First Capital is trading at a lower price-to-earnings ratio than ACNB, 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
ACNB	$132.20M	3.56	$31.85M	$2.69	16.70
First Capital	$58.13M	2.50	$11.94M	$3.94	10.99

Do analysts prefer ACNB or FCAP?

ACNB currently has a consensus target price of $49.25, suggesting a potential upside of 9.66%. Given ACNB's stronger consensus rating and higher probable upside, research analysts plainly believe ACNB is more favorable than First Capital.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ACNB	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
First Capital	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the media prefer ACNB or FCAP?

In the previous week, ACNB and ACNB both had 3 articles in the media. ACNB's average media sentiment score of 1.65 beat First Capital's score of 1.11 indicating that ACNB is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
ACNB	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
First Capital	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is ACNB or FCAP more profitable?

First Capital has a net margin of 21.45% compared to ACNB's net margin of 15.64%. First Capital's return on equity of 11.23% beat ACNB's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
ACNB	15.64%	10.22%	1.25%
First Capital	21.45%	11.23%	1.10%

Is ACNB or FCAP a better dividend stock?

ACNB pays an annual dividend of $1.36 per share and has a dividend yield of 3.0%. First Capital pays an annual dividend of $1.16 per share and has a dividend yield of 2.7%. ACNB pays out 50.6% of its earnings in the form of a dividend. First Capital pays out 29.4% 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. ACNB has raised its dividend for 8 consecutive years and First Capital has raised its dividend for 2 consecutive years. ACNB is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

ACNB beats First Capital on 13 of the 18 factors compared between the two stocks.