Contrasting First Capital (FCAP) & First Northern Community Bancorp (FNRN)

First Northern Community Bancorp (OTCMKTS:FNRN) and First Capital (NASDAQ:FCAP) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, valuation, dividends, analyst recommendations and risk.

Profitability

This table compares First Northern Community Bancorp and First Capital’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Northern Community Bancorp 19.79% 11.48% 0.97%
First Capital 24.09% 10.72% 1.11%

Institutional & Insider Ownership

3.4% of First Northern Community Bancorp shares are held by institutional investors. Comparatively, 4.8% of First Capital shares are held by institutional investors. 9.7% of First Northern Community Bancorp shares are held by company insiders. Comparatively, 4.9% of First Capital shares are held by company 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.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for First Northern Community Bancorp and First Capital, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Northern Community Bancorp 0 0 0 0 N/A
First Capital 0 0 0 0 N/A

Dividends

First Capital pays an annual dividend of $0.92 per share and has a dividend yield of 2.3%. First Northern Community Bancorp does not pay a dividend. First Capital has increased its dividend for 2 consecutive years.

Earnings & Valuation

This table compares First Northern Community Bancorp and First Capital’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Northern Community Bancorp $48.14 million 2.64 $8.74 million N/A N/A
First Capital $33.12 million 4.06 $7.43 million N/A N/A

First Northern Community Bancorp has higher revenue and earnings than First Capital.

Risk and Volatility

First Northern Community Bancorp has a beta of 0.32, meaning that its share price is 68% less volatile than the S&P 500. Comparatively, First Capital has a beta of -0.4, meaning that its share price is 140% less volatile than the S&P 500.

Summary

First Capital beats First Northern Community Bancorp on 7 of the 12 factors compared between the two stocks.

About First Northern Community Bancorp

First Northern Community Bancorp operates as the holding company for First Northern Bank of Dixon, a state-chartered bank that provides commercial banking services to individuals and small to medium sized businesses in California. It accepts demand, interest bearing transaction, savings and money market, and time deposits. The company also provides commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. In addition, it offers investment and brokerage services; alternative investment products and services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. Further, the company provides credit cards; issues cashier's checks; sells travelers' checks; rents safe deposit boxes; and offers other customary banking services. It operates 10 full service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and an asset management and trust department in Downtown Sacramento. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.

About First Capital

First 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 a range of 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 real estate mortgage loans, such as fixed-rate and adjustable rate mortgage residential 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, and loans secured by savings deposits, as well as unsecured consumer loans. It provides its products and services through 18 locations in Indiana and Kentucky. First Capital, Inc. was founded in 1891 and is headquartered in Corydon, Indiana.

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