First Capital (FCAP) Competitors

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

Does the MarketBeat Community believe in PROV or FCAP?

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

Do analysts recommend PROV or FCAP?

Provident Financial currently has a consensus target price of $14.00, indicating a potential upside of 12.00%. Given First Capital's higher probable upside, equities research analysts clearly believe Provident Financial is more favorable than First Capital.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Provident Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
First Capital	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Is PROV or FCAP a better dividend stock?

Provident Financial pays an annual dividend of $0.56 per share and has a dividend yield of 4.5%. First Capital pays an annual dividend of $1.08 per share and has a dividend yield of 3.9%. Provident Financial pays out 53.8% of its earnings in the form of a dividend. First Capital pays out 30.3% 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. First Capital has raised its dividend for 1 consecutive years.

Is PROV or FCAP more profitable?

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

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

Which has more volatility and risk, PROV or FCAP?

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

Does the media refer more to PROV or FCAP?

In the previous week, Provident Financial had 6 more articles in the media than First Capital. MarketBeat recorded 6 mentions for Provident Financial and 0 mentions for First Capital. Provident Financial's average media sentiment score of 0.15 beat First Capital's score of -0.58 indicating that First Capital is being referred to more favorably in the news media.

Company	Overall Sentiment
Provident Financial	Negative
First Capital	Neutral

Do insiders & institutionals believe in PROV or FCAP?

71.3% of Provident Financial shares are owned by institutional investors. Comparatively, 11.6% of First Capital shares are owned by institutional investors. 15.1% of Provident Financial shares are owned by company insiders. Comparatively, 4.4% of First Capital shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Which has better valuation and earnings, PROV or FCAP?

First Capital has lower revenue, but higher 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
Provident Financial	$50.07M	1.73	$8.59M	$1.04	12.02
First Capital	$41.54M	2.26	$12.79M	$3.57	7.85

Summary

First Capital beats Provident Financial on 10 of the 19 factors compared between the two stocks.