FCAP vs. PROV, RVSB, HMNF, SFBC, FNWD, FSFG, OFED, BVFL, MGYR, and CZWI
Should you be buying First Capital stock or one of its competitors? The main competitors of First Capital include Provident Financial (PROV), Riverview Bancorp (RVSB), HMN Financial (HMNF), Sound Financial Bancorp (SFBC), Finward Bancorp (FNWD), First Savings Financial Group (FSFG), Oconee Federal Financial (OFED), BV Financial (BVFL), Magyar Bancorp (MGYR), and Citizens Community Bancorp (CZWI). These companies are all part of the "federal savings institutions" industry.
First Capital (NASDAQ:FCAP) and Provident Financial (NASDAQ:PROV) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, community ranking, risk, institutional ownership, profitability, earnings, media sentiment, dividends and valuation.
First Capital has a net margin of 24.96% compared to Provident Financial's net margin of 14.43%. First Capital's return on equity of 13.42% beat Provident Financial's return on equity.
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.
11.7% of First Capital shares are owned by institutional investors. Comparatively, 71.3% of Provident Financial shares are owned by institutional investors. 4.2% of First Capital shares are owned by insiders. Comparatively, 15.1% of Provident Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
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.
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 4.2%. First Capital pays out 28.2% of its earnings in the form of a dividend. Provident Financial pays out 48.7% 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.
Provident Financial received 90 more outperform votes than First Capital when rated by MarketBeat users. Likewise, 46.41% of users gave Provident Financial an outperform vote while only 45.83% of users gave First Capital an outperform vote.
In the previous week, Provident Financial had 4 more articles in the media than First Capital. MarketBeat recorded 7 mentions for Provident Financial and 3 mentions for First Capital. First Capital's average media sentiment score of 0.69 beat Provident Financial's score of 0.20 indicating that First Capital is being referred to more favorably in the media.
Summary
First Capital beats Provident Financial on 10 of the 17 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding FCAP and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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