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First Capital, Inc. (FCAP) vs GBank Financial Holdings Inc. (GBFH)

First Capital, Inc. and GBank Financial Holdings Inc. are both Banks Regional companies. First Capital, Inc. and GBank Financial Holdings Inc. are of similar size ($224.3M and $207.3M). First Capital, Inc. trades at the lower P/E: 11.2× against 12.0×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against 12.1%. First Capital, Inc. has the higher net margin (26.8% vs 15.4%) and the lower return on invested capital (0.00% vs 23.9%). Across the 16 metrics below, First Capital, Inc. leads on 9 and GBank Financial Holdings Inc. on 7.

Valuation

Metric FCAP GBFH Banks Regional median
P/E 11.18 12.02 12.02
P/S 2.99 1.87 2.36
P/B 1.45 1.30 1.23
Price to free cash flow 9.50 7.22 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.95% 8.32% 8.21%
Free cash flow yield 10.53% 13.84% 9.23%

Profitability

Metric FCAP GBFH Banks Regional median
Gross margin 79.17% 68.90% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.79% 15.44% 18.82%
Free cash flow margin 31.53% 25.93% 17.97%
Return on equity 13.88% 11.39% 10.28%
Return on assets 1.46% 1.39% 1.13%
Return on invested capital 0.00% 23.93% 8.45%

Growth

Metric FCAP GBFH Banks Regional median
Revenue growth (TTM) 12.14% 19.95% 6.37%
EPS growth (last fiscal year) 36.97% 5.11% 18.85%
Revenue growth, 5-year CAGR 11.30% — 12.65%
Net income growth, 5-year CAGR 10.07% — 9.81%

Health

Metric FCAP GBFH Banks Regional median
Debt to equity 0.00 0.18 0.17
Current ratio 0.72 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCAP GBFH Banks Regional median
Dividend yield 2.02% — 2.49%
Payout ratio 0.23 — 0.29

Size

Metric FCAP GBFH Banks Regional median
Market cap 207.34m 224.33m 934.85m

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