Head to Head Contrast: First Capital (FCAP) & PDL Community Bancorp (PDLB)

First Capital (NASDAQ:FCAP) and PDL Community Bancorp (NASDAQ:PDLB) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their risk, profitability, earnings, dividends, valuation, analyst recommendations and institutional ownership.

Earnings and Valuation

This table compares First Capital and PDL Community Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Capital $35.05 million 4.73 $9.25 million N/A N/A
PDL Community Bancorp $49.09 million 5.16 $2.68 million N/A N/A

First Capital has higher earnings, but lower revenue than PDL Community Bancorp.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for First Capital and PDL Community Bancorp, as reported by MarketBeat.

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

Institutional and Insider Ownership

5.3% of First Capital shares are held by institutional investors. Comparatively, 19.0% of PDL Community Bancorp shares are held by institutional investors. 4.5% of First Capital shares are held by insiders. Comparatively, 1.2% of PDL Community Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

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

Net Margins Return on Equity Return on Assets
First Capital 25.79% 11.00% 1.16%
PDL Community Bancorp 4.75% 1.43% 0.24%

Volatility & Risk

First Capital has a beta of -0.33, meaning that its stock price is 133% less volatile than the S&P 500. Comparatively, PDL Community Bancorp has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500.

Dividends

First Capital pays an annual dividend of $0.92 per share and has a dividend yield of 1.9%. PDL Community Bancorp does not pay a dividend. First Capital has increased its dividend for 2 consecutive years.

Summary

First Capital beats PDL Community Bancorp on 7 of the 12 factors compared between the two stocks.

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.

About PDL Community Bancorp

PDL Community Bancorp provides various banking products and services primarily in the New York City metropolitan area. The company offers a range of deposit accounts, including demand, savings, and money market accounts, as well as certificates of deposit accounts; and individual retirement accounts. It also provides mortgage loans consisting of one-to-four family real estate loans, including residential investor-owned and owner-occupied, multifamily residential, and nonresidential property loans, as well as construction and land loans; commercial business and consumer loans; commercial and industrial loans; and lines of credit. In addition, the company invests in debt securities. It operates a network of 13 banking offices, which include 4 branches in Bronx, 2 branches in Manhattan, 3 branches in Queens, and 3 branches in Brooklyn, New York; and 1 branch in Union City, New Jersey. The company was formerly known as Ponce De Leon Federal Bank and changed its name to PDL Community Bancorp in September 2017. The company was founded in 1960 and is headquartered in Bronx, New York. PDL Community Bancorp is a subsidiary of Ponce Bank Mutual Holding Company.

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