First Capital (NASDAQ:FCAP) & First Seacoast Bancorp (NASDAQ:FSEA) Head to Head Review

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First Seacoast Bancorp (NASDAQ:FSEA) and First Capital (NASDAQ:FCAP) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their institutional ownership, profitability, valuation, analyst recommendations, earnings, risk and dividends.

Profitability

This table compares First Seacoast Bancorp and First Capital’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Seacoast Bancorp N/A N/A N/A
First Capital 26.31% 13.88% 1.51%

Analyst Recommendations

This is a summary of current ratings and target prices for First Seacoast Bancorp and First Capital, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Seacoast Bancorp 0 0 0 0 N/A
First Capital 0 0 0 0 N/A

Dividends

First Capital pays an annual dividend of $0.96 per share and has a dividend yield of 1.6%. First Seacoast Bancorp does not pay a dividend. First Capital has increased its dividend for 2 consecutive years.

Institutional & Insider Ownership

10.8% of First Capital shares are held by institutional investors. 4.5% of First Capital shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares First Seacoast Bancorp and First Capital’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Seacoast Bancorp N/A N/A N/A N/A N/A
First Capital $35.05 million 5.60 $9.25 million N/A N/A

First Capital has higher revenue and earnings than First Seacoast Bancorp.

Summary

First Capital beats First Seacoast Bancorp on 8 of the 8 factors compared between the two stocks.

About First Seacoast Bancorp

First Seacoast Bancorp operates as a holding company for First Seacoast Bank that provides various banking products and services. It offers various deposit accounts, including non-interest-bearing and interest-bearing checking accounts, savings accounts, money market accounts, and certificates of deposit for individuals and businesses. The company also provides various lending products comprising one-to four-family residential real estate loans, commercial real estate and multi-family real estate loans, commercial and industrial loans, home equity loans and lines of credit, and consumer loans, as well as acquisition, development, and land loans. In addition, it offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning to individuals. The company operates through its main office located in Dover, New Hampshire; and four branch offices situated in Barrington, Durham, Portsmouth, and Rochester, New Hampshire. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp is a subsidiary of First Seacoast Bancorp, MHC.

About First Capital

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers. The company offers a range of deposit instruments, including non-interest bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also provides real estate mortgage loans, such as fixed-rate and adjustable rate mortgage residential loans, construction loans for residential and commercial properties, and commercial real estate loans, as well as commercial business loans. In addition, the company originates mortgage loans for sale in the secondary market and sells non-deposit investment products; and offers various secured or guaranteed consumer loans comprising automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans, and loans secured by savings deposits, as well as unsecured consumer loans. It provides its products and services through 18 locations in Indiana and Kentucky. First Capital, Inc. was founded in 1891 and is headquartered in Corydon, Indiana.

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