First Capital (FCAP) vs Kearny Financial (KRNY)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
First Capital (FCAP) has outperformed Kearny Financial (KRNY) over the past year, gaining 40.6% versus a gain of 37.3%. Over five years, FCAP leads with a +56.7% price change compared with -29.7% for KRNY. Kearny Financial is the larger company by market cap ($581.2 million vs $214.4 million), about 2.7 times the size.
On valuation, First Capital trades at a lower trailing P/E (11.6x vs 16.1x for Kearny Financial). Kearny Financial offers the higher dividend yield (4.78% vs 1.93%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FCAP | KRNY |
|---|---|---|
| Share price | $64.11 | $9.20 |
| Market cap | $214.42M | $581.19M |
| 1-day change | -0.33% | +0.99% |
| YTD return | +8.65% | +24.16% |
| 1-year return | +40.59% | +37.31% |
| 5-year return | +56.69% | -29.66% |
| P/E ratio (TTM) | 11.61 | 16.14 |
| Forward P/E | — | 9.25 |
| EPS (TTM) | $5.52 | $0.57 |
| Dividend yield | 1.93% | 4.78% |
| Annual dividend | $1.24 | $0.44 |
| 52-week high | $71.00 | $10.24 |
| 52-week low | $37.64 | $6.23 |
| Distance from 52-week high | -9.70% | -10.16% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +15.98% |
| Average volume | 18.52K | 579.10K |
| Shares outstanding | 3.34M | 63.17M |
| Employees | 176 | 502 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Savings Institutions |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Kearny Financial is about 2.7 times larger than First Capital by market value ($581.19M vs $214.42M).
- Kearny Financial trades at a higher earnings multiple (16.1x vs 11.6x trailing P/E).
- Kearny Financial offers a meaningfully higher dividend yield (4.78% vs 1.93%).
About First Capital
FCAP stock →First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States.
Finance · Savings Institutions · 176 employees
About Kearny Financial
KRNY stock →Kearny Financial Corp. operates as the holding company for Kearny Bank that provides banking products and services in the United States.
Finance · Savings Institutions · 502 employees
FCAP vs KRNY FAQ
Which is bigger, First Capital or Kearny Financial?
Kearny Financial (KRNY) is larger, with a market capitalization of $581.19M compared with $214.42M for First Capital (FCAP).
Which stock has performed better over the past year, FCAP or KRNY?
FCAP returned +40.59% over the past 12 months, compared with +37.31% for KRNY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FCAP or KRNY?
FCAP has the lower trailing P/E at 11.6, versus 16.1 for KRNY. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Capital or Kearny Financial?
Kearny Financial has the higher yield at 4.78%, compared with 1.93% for First Capital.
Are First Capital and Kearny Financial in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.