First Capital (NASDAQ:FCAP) versus Brookline Bancorp (NASDAQ:BRKL) Financial Survey

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

Earnings & Valuation

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Capital $35.05 million 4.64 $9.25 million N/A N/A
Brookline Bancorp $339.12 million 3.49 $83.06 million $1.07 13.87

Brookline Bancorp has higher revenue and earnings than First Capital.

Dividends

First Capital pays an annual dividend of $0.92 per share and has a dividend yield of 1.9%. Brookline Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 3.0%. Brookline Bancorp pays out 41.1% of its earnings in the form of a dividend. First Capital has raised its dividend for 2 consecutive years.

Analyst Ratings

This is a breakdown of recent recommendations for First Capital and Brookline Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Capital 0 0 0 0 N/A
Brookline Bancorp 0 3 1 0 2.25

Brookline Bancorp has a consensus target price of $17.50, indicating a potential upside of 17.92%. Given Brookline Bancorp’s higher probable upside, analysts plainly believe Brookline Bancorp is more favorable than First Capital.

Institutional & Insider Ownership

5.3% of First Capital shares are held by institutional investors. Comparatively, 76.8% of Brookline Bancorp shares are held by institutional investors. 4.5% of First Capital shares are held by company insiders. Comparatively, 2.5% of Brookline Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares First Capital and Brookline 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%
Brookline Bancorp 24.61% 9.78% 1.19%

Risk and Volatility

First Capital has a beta of -0.22, suggesting that its share price is 122% less volatile than the S&P 500. Comparatively, Brookline Bancorp has a beta of 0.9, suggesting that its share price is 10% less volatile than the S&P 500.

Summary

Brookline Bancorp beats First Capital on 8 of the 15 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 Brookline Bancorp

Brookline Bancorp, Inc. operates as the holding company for Brookline Bank, Bank Rhode Island, First Ipswich Bank, and Brookline Securities Corp that provide commercial, business, and retail banking services to corporate, municipal, and retail customers in the United States. Its deposit products include non-interest-bearing demand checking accounts, NOW accounts, savings accounts, and money market accounts, as well as commercial, municipal, and retail deposits. The company's loan portfolio primarily comprises first mortgage loans secured by commercial, multi-family, and residential real estate properties; loans to business entities comprising commercial lines of credit; loans to condominium associations; financing for construction and development projects; home equity and other consumer loans; and commercial loans and leases to small and midsized businesses. It also provides term loans, letters of credit, cash management, investment advisory, and online and mobile banking services, as well as invests in debt and equity securities. As of December 31, 2018, the Company operated 51 full-service banking offices in greater Boston, the north shore of Massachusetts, and Rhode Island. Brookline Bancorp, Inc. was founded in 1871 and is headquartered in Boston, Massachusetts.

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