CF Bankshares Inc. (CFBK) vs First Capital, Inc. (FCAP)

CF Bankshares Inc. and First Capital, Inc. are both Banks Regional companies. CF Bankshares Inc. and First Capital, Inc. are of similar size ($221.5M and $204.5M). First Capital, Inc. trades at the lower P/E: 10.9× against 11.8×. First Capital, Inc. grew revenue faster over the last twelve months: 12.1% against −0.37%. First Capital, Inc. has the higher net margin (26.8% vs 14.8%) and the lower return on invested capital (0.00% vs 25.6%). Both pay a dividend; First Capital, Inc. yields more (3.89% vs 1.11%). Across the 20 metrics below, First Capital, Inc. leads on 15 and CF Bankshares Inc. on 5.

Valuation

Metric CFBK FCAP Banks Regional median
P/E 11.82 10.90 12.15
P/S 1.75 2.92 2.37
P/B 1.12 1.41 1.21
Price to free cash flow 12.21 9.26 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.63 1.22 2.27
Earnings yield 8.46% 9.17% 8.11%
Free cash flow yield 8.19% 10.79% 8.98%

Profitability

Metric CFBK FCAP Banks Regional median
Gross margin 50.12% 79.17% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.75% 26.79% 18.66%
Free cash flow margin 14.30% 31.53% 21.18%
Return on equity 9.92% 13.88% 10.64%
Return on assets 0.86% 1.46% 1.13%
Return on invested capital 25.60% 0.00% 8.33%

Growth

Metric CFBK FCAP Banks Regional median
Revenue growth (TTM) (0.37%) 12.14% 6.61%
EPS growth (last fiscal year) 30.58% 36.97% —
Revenue growth, 5-year CAGR 4.23% 11.30% 12.30%
Net income growth, 5-year CAGR (9.06%) 10.07% 9.71%

Health

Metric CFBK FCAP Banks Regional median
Debt to equity 0.59 0.00 0.22
Current ratio 1.14 0.72 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFBK FCAP Banks Regional median
Dividend yield 1.11% 3.89% 3.75%
Payout ratio 0.08 0.27 0.27

Size

Metric CFBK FCAP Banks Regional median
Market cap 221.45m 204.52m 921.07m

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