Reviewing First Capital (NASDAQ:FCAP) and Northfield Bancorp, Inc. (Staten Island, NY) (NASDAQ:NFBK)

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

Institutional & Insider Ownership

11.6% of First Capital shares are held by institutional investors. Comparatively, 65.5% of Northfield Bancorp, Inc. (Staten Island, NY) shares are held by institutional investors. 4.4% of First Capital shares are held by insiders. Comparatively, 6.5% of Northfield Bancorp, Inc. (Staten Island, NY) 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.

Volatility & Risk

First Capital has a beta of 0.63, suggesting that its stock price is 37% less volatile than the S&P 500. Comparatively, Northfield Bancorp, Inc. (Staten Island, NY) has a beta of 0.75, suggesting that its stock price is 25% less volatile than the S&P 500.

Valuation & Earnings

This table compares First Capital and Northfield Bancorp, Inc. (Staten Island, NY)’s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Capital	$41.54 million	2.42	$12.79 million	$3.57	8.40
Northfield Bancorp, Inc. (Staten Island, NY)	$220.69 million	1.90	$37.67 million	$0.75	12.64

Northfield Bancorp, Inc. (Staten Island, NY) has higher revenue and earnings than First Capital. First Capital is trading at a lower price-to-earnings ratio than Northfield Bancorp, Inc. (Staten Island, NY), indicating that it is currently the more affordable of the two stocks.

Dividends

First Capital pays an annual dividend of $1.08 per share and has a dividend yield of 3.6%. Northfield Bancorp, Inc. (Staten Island, NY) pays an annual dividend of $0.52 per share and has a dividend yield of 5.5%. First Capital pays out 30.3% of its earnings in the form of a dividend. Northfield Bancorp, Inc. (Staten Island, NY) pays out 69.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Capital has raised its dividend for 1 consecutive years.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for First Capital and Northfield Bancorp, Inc. (Staten Island, NY), as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Capital	0	0	0	0	N/A
Northfield Bancorp, Inc. (Staten Island, NY)	0	2	0	0	2.00

Northfield Bancorp, Inc. (Staten Island, NY) has a consensus price target of $11.00, indicating a potential upside of 16.03%. Given Northfield Bancorp, Inc. (Staten Island, NY)’s higher possible upside, analysts plainly believe Northfield Bancorp, Inc. (Staten Island, NY) is more favorable than First Capital.

Profitability

This table compares First Capital and Northfield Bancorp, Inc. (Staten Island, NY)’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Capital	22.59%	12.15%	1.03%
Northfield Bancorp, Inc. (Staten Island, NY)	14.02%	4.65%	0.57%

Summary

Northfield Bancorp, Inc. (Staten Island, NY) 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 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.

About Northfield Bancorp, Inc. (Staten Island, NY)

Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking products and services primarily to individuals and corporate customers. It accepts various deposits products, including certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest-bearing checking accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and home equity loans and lines of credit. In addition, it purchases various investment securities, such as mortgage-backed securities and corporate bonds; and deposits funds in other financial institutions, as well as holds mortgage loans, mortgage-backed securities, and other investments. Further, the company provides automated teller machines; telephone, internet, and mobile banking services; and ACH and wire transfers, cash management, positive pay, and remote deposit capture services. It operates full-service banking offices in Staten Island and Brooklyn, New York; and Hunterdon, Middlesex, Mercer, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.