Head-To-Head Analysis: TC Bancshares (NASDAQ:TCBC) versus First Capital (NASDAQ:FCAP)

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

Dividends

TC Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.6%. First Capital pays an annual dividend of $1.08 per share and has a dividend yield of 3.5%. First Capital pays out 30.3% of its earnings in the form of a dividend. First Capital has increased its dividend for 1 consecutive years. First Capital is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
TC Bancshares	-0.19%	-0.05%	-0.01%
First Capital	22.04%	12.01%	1.04%

Risk & Volatility

TC Bancshares has a beta of 0.05, indicating that its share price is 95% less volatile than the S&P 500. Comparatively, First Capital has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and target prices for TC Bancshares and First Capital, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TC Bancshares	0	0	0	0	N/A
First Capital	0	0	0	0	N/A

Valuation & Earnings

This table compares TC Bancshares and First Capital’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TC Bancshares	$14.76 million	4.58	$270,000.00	N/A	N/A
First Capital	$42.04 million	2.48	$12.79 million	$3.57	8.72

First Capital has higher revenue and earnings than TC Bancshares.

Institutional & Insider Ownership

23.6% of TC Bancshares shares are held by institutional investors. Comparatively, 11.6% of First Capital shares are held by institutional investors. 9.6% of TC Bancshares shares are held by insiders. Comparatively, 4.4% of First Capital shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Summary

First Capital beats TC Bancshares on 8 of the 12 factors compared between the two stocks.

About TC Bancshares

TC Bancshares, Inc. operates as the holding company for TC Federal Bank that provides various banking services for individual and commercial customers in the United States. It accepts various deposit products, including personal checking accounts, business checking accounts, savings accounts, money market accounts, and certificates of deposit. The company also offers lending products comprising single-family residential loans, home equity lines of credit, closed-end home equity loans, consumer loans, commercial and multi-family residential real estate loans, commercial and industrial loans, construction loans, land development loans, and SBA/USDA guaranteed loans. It operates branches in Thomasville, Georgia and Tallahassee, Florida, as well as loan production offices in Savannah, Georgia, and Jacksonville, Florida. The company was founded in 1934 and is based in Thomasville, Georgia.

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 various 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 residential mortgage 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, credit cards and other personal loans, and loans secured by savings deposits, as well as unsecured consumer loans. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.