Axos Financial (NYSE:AX) 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 analyst recommendations, earnings, valuation, dividends, risk, profitability and institutional ownership.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Axos Financial and First Capital, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Axos Financial 0 0 4 0 3.00
First Capital 0 0 0 0 N/A

Axos Financial presently has a consensus price target of $37.25, indicating a potential upside of 31.02%. Given Axos Financial’s higher possible upside, equities analysts plainly believe Axos Financial is more favorable than First Capital.

Profitability

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

Net Margins Return on Equity Return on Assets
Axos Financial 23.48% 16.66% 1.60%
First Capital 26.62% 13.71% 1.54%

Risk & Volatility

Axos Financial has a beta of 0.99, suggesting that its stock price is 1% less volatile than the S&P 500. Comparatively, First Capital has a beta of -0.12, suggesting that its stock price is 112% less volatile than the S&P 500.

Institutional and Insider Ownership

72.6% of Axos Financial shares are owned by institutional investors. Comparatively, 13.0% of First Capital shares are owned by institutional investors. 7.0% of Axos Financial shares are owned by company insiders. Comparatively, 4.5% of First Capital shares are owned 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.

Valuation and Earnings

This table compares Axos Financial and First Capital’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Axos Financial $647.64 million 2.69 $155.13 million $2.75 10.34
First Capital $35.05 million 6.56 $9.25 million N/A N/A

Axos Financial has higher revenue and earnings than First Capital.

Summary

Axos Financial beats First Capital on 9 of the 12 factors compared between the two stocks.

Axos Financial Company Profile

Axos Financial, Inc. operates as the holding company for BofI Federal Bank that provides consumer and business banking products in the United States. The company offers deposits products, including consumer and business checking, demand, savings, and time deposit accounts. It also provides single family and multifamily mortgage secured lending products; commercial real estate secured and commercial lending products; specialty finance factoring products; prime loans to customers secured by new and used automobiles; and term unsecured personal loans to individual borrowers, as well as overdraft lines of credit. In addition, the company offers prepaid card and refund transfer, debit card or ATM card, portfolio management, online bill payment, money transfer, overdraft protection, online and mobile banking, and text message banking services. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in San Diego, California.

First Capital Company Profile

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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