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First Capital, Inc. (FCAP) vs OP Bancorp (OPBK)

First Capital, Inc. and OP Bancorp are both Banks Regional companies. First Capital, Inc. and OP Bancorp are of similar size ($221.8M and $206.0M). OP Bancorp trades at the lower P/E: 7.6× against 11.1×. First Capital, Inc. grew revenue faster over the last twelve months: 12.1% against 7.14%. First Capital, Inc. has the higher net margin (26.8% vs 16.9%) and the lower return on invested capital (0.00% vs 15.4%). Both pay a dividend; OP Bancorp yields more (3.53% vs 2.03%). Across the 19 metrics below, OP Bancorp leads on 11 and First Capital, Inc. on 8.

Valuation

Metric FCAP OPBK Banks Regional median
P/E 11.12 7.56 11.98
P/S 2.98 1.28 2.34
P/B 1.44 0.92 1.19
Price to free cash flow 9.45 8.14 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.00% 13.22% 8.23%
Free cash flow yield 10.59% 12.29% 9.08%

Profitability

Metric FCAP OPBK Banks Regional median
Gross margin 79.17% 57.65% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.79% 16.90% 18.66%
Free cash flow margin 31.53% 15.72% 21.11%
Return on equity 13.88% 12.83% 10.65%
Return on assets 1.46% 1.09% 1.13%
Return on invested capital 0.00% 15.37% 8.35%

Growth

Metric FCAP OPBK Banks Regional median
Revenue growth (TTM) 12.14% 7.14% 6.98%
EPS growth (last fiscal year) 36.97% 23.74% 18.88%
Revenue growth, 5-year CAGR 11.30% 20.94% 12.38%
Net income growth, 5-year CAGR 10.07% 14.67% 9.71%

Health

Metric FCAP OPBK Banks Regional median
Debt to equity 0.00 0.42 0.22
Current ratio 0.72 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCAP OPBK Banks Regional median
Dividend yield 2.03% 3.53% 2.57%
Payout ratio 0.23 0.27 0.30

Size

Metric FCAP OPBK Banks Regional median
Market cap 206.00m 221.75m 913.33m

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