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First Capital, Inc. (FCAP) vs Meridian Bank (MRBK)

First Capital, Inc. and Meridian Bank are both Banks Regional companies. First Capital, Inc. and Meridian Bank are of similar size ($219.6M and $206.0M). Meridian Bank trades at the lower P/E: 9.9× against 11.1×. First Capital, Inc. grew revenue faster over the last twelve months: 12.1% against 0.72%. First Capital, Inc. has the higher net margin (26.8% vs 10.6%) and the lower return on invested capital (0.00% vs 8.03%). Both pay a dividend; Meridian Bank yields more (2.94% vs 2.03%). Across the 19 metrics below, First Capital, Inc. leads on 12 and Meridian Bank on 7.

Valuation

Metric FCAP MRBK Banks Regional median
P/E 11.12 9.90 11.98
P/S 2.98 1.07 2.34
P/B 1.44 1.07 1.19
Price to free cash flow 9.45 11.76 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.00% 10.10% 8.23%
Free cash flow yield 10.59% 8.50% 9.08%

Profitability

Metric FCAP MRBK Banks Regional median
Gross margin 79.17% 63.55% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.79% 10.57% 18.66%
Free cash flow margin 31.53% 9.11% 21.11%
Return on equity 13.88% 11.31% 10.65%
Return on assets 1.46% 0.85% 1.13%
Return on invested capital 0.00% 8.03% 8.35%

Growth

Metric FCAP MRBK Banks Regional median
Revenue growth (TTM) 12.14% 0.72% 6.98%
EPS growth (last fiscal year) 36.97% 30.34% 18.88%
Revenue growth, 5-year CAGR 11.30% 6.56% 12.38%
Net income growth, 5-year CAGR 10.07% (3.75%) 9.71%

Health

Metric FCAP MRBK Banks Regional median
Debt to equity 0.00 0.24 0.22
Current ratio 0.72 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCAP MRBK Banks Regional median
Dividend yield 2.03% 2.94% 2.57%
Payout ratio 0.23 0.30 0.30

Size

Metric FCAP MRBK Banks Regional median
Market cap 206.00m 219.61m 913.33m

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