BayFirst Financial Corp. (BAFN) vs First Capital, Inc. (FCAP)
BayFirst Financial Corp. and First Capital, Inc. are both Banks Regional companies. BayFirst Financial Corp. and First Capital, Inc. are of similar size ($204.5M and $192.0M). BayFirst Financial Corp. has negative trailing earnings, so its P/E is not meaningful; First Capital, Inc. trades at 10.9×. First Capital, Inc. grew revenue faster over the last twelve months: 12.1% against −50.1%. First Capital, Inc. has the higher net margin (26.8% vs −86.9%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; First Capital, Inc. yields more (3.89% vs 2.52%). Across the 18 metrics below, First Capital, Inc. leads on 11 and BayFirst Financial Corp. on 7.
Valuation
Profitability
| Metric | BAFN | FCAP | Banks Regional median |
|---|---|---|---|
| Gross margin | 49.73% | 79.17% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (86.85%) | 26.79% | 18.66% |
| Free cash flow margin | 205.06% | 31.53% | 21.18% |
| Return on equity | (102.63%) | 13.88% | 10.64% |
| Return on assets | (4.89%) | 1.46% | 1.13% |
| Return on invested capital | 0.00% | 0.00% | 8.33% |
Growth
Health
Dividend
Size
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