First Capital, Inc. (FCAP) vs First Internet Bancorp (INBK)

First Capital, Inc. and First Internet Bancorp are both Banks Regional companies. First Capital, Inc. and First Internet Bancorp are of similar size ($226.6M and $206.0M). First Internet Bancorp has negative trailing earnings, so its P/E is not meaningful; First Capital, Inc. trades at 11.1×. First Capital, Inc. grew revenue faster over the last twelve months: 12.1% against −9.20%. First Capital, Inc. has the higher net margin (26.8% vs −9.77%) and the higher return on invested capital (0.00% vs −9.59%). Both pay a dividend; First Capital, Inc. yields more (2.03% vs 0.94%). Across the 18 metrics below, First Capital, Inc. leads on 11 and First Internet Bancorp on 7.

Valuation

Metric FCAP INBK Banks Regional median
P/E 11.12 n/m 11.98
P/S 2.98 0.70 2.34
P/B 1.44 0.62 1.19
Price to free cash flow 9.45 1.40 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.00% (13.99%) 8.23%
Free cash flow yield 10.59% 71.19% 9.08%

Profitability

Metric FCAP INBK Banks Regional median
Gross margin 79.17% 40.91% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.79% (9.77%) 18.66%
Free cash flow margin 31.53% 49.69% 21.11%
Return on equity 13.88% (8.34%) 10.65%
Return on assets 1.46% (0.54%) 1.13%
Return on invested capital 0.00% (9.59%) 8.35%

Growth

Metric FCAP INBK Banks Regional median
Revenue growth (TTM) 12.14% (9.20%) 6.98%
EPS growth (last fiscal year) 36.97% (239.93%) 18.88%
Revenue growth, 5-year CAGR 11.30% 13.27% 12.38%
Net income growth, 5-year CAGR 10.07% 0.00% 9.71%

Health

Metric FCAP INBK Banks Regional median
Debt to equity 0.00 0.95 0.22
Current ratio 0.72 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCAP INBK Banks Regional median
Dividend yield 2.03% 0.94% 2.57%
Payout ratio 0.23 — 0.30

Size

Metric FCAP INBK Banks Regional median
Market cap 206.00m 226.55m 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack