First Capital (FCAP) vs OP Bancorp (OPBK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
First Capital (FCAP) has outperformed OP Bancorp (OPBK) over the past year, gaining 40.6% versus a gain of 11.8%. Over five years, FCAP leads with a +56.7% price change compared with +45.6% for OPBK. OP Bancorp is the larger company by market cap ($226.1 million vs $215.1 million), about 1.1 times the size.
On valuation, OP Bancorp trades at a lower trailing P/E (7.8x vs 11.7x for First Capital). OP Bancorp offers the higher dividend yield (3.30% 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 | OPBK |
|---|---|---|
| Share price | $64.32 | $15.14 |
| Market cap | $215.13M | $226.08M |
| 1-day change | -0.42% | -0.59% |
| YTD return | +8.65% | +7.22% |
| 1-year return | +40.59% | +11.82% |
| 5-year return | +56.69% | +45.58% |
| P/E ratio (TTM) | 11.65 | 7.80 |
| Forward P/E | — | 7.33 |
| EPS (TTM) | $5.52 | $1.94 |
| Dividend yield | 1.93% | 3.30% |
| Annual dividend | $1.24 | $0.50 |
| 52-week high | $71.00 | $16.83 |
| 52-week low | $37.64 | $12.41 |
| Distance from 52-week high | -9.41% | -10.04% |
| Analyst consensus | — | buy |
| Avg. price target upside | — | +17.24% |
| Average volume | 17.91K | 48.55K |
| Shares outstanding | 3.34M | 14.93M |
| Employees | 176 | 249 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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
- FCAP has outperformed OPBK by 28.8 percentage points over the past year.
- First Capital trades at a higher earnings multiple (11.7x vs 7.8x trailing P/E).
- OP Bancorp offers a meaningfully higher dividend yield (3.30% 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.
Financial Services · Banks - Regional · 176 employees
About OP Bancorp
OPBK stock →OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services. It offers demand, savings, money market, and time deposit accounts, as well as certificates of deposit.
Financial Services · Banks - Regional · 249 employees
FCAP vs OPBK FAQ
Which is bigger, First Capital or OP Bancorp?
OP Bancorp (OPBK) is larger, with a market capitalization of $226.08M compared with $215.13M for First Capital (FCAP).
Which stock has performed better over the past year, FCAP or OPBK?
FCAP returned +40.59% over the past 12 months, compared with +11.82% for OPBK (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FCAP or OPBK?
OPBK has the lower trailing P/E at 7.8, versus 11.7 for FCAP. 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 OP Bancorp?
OP Bancorp has the higher yield at 3.30%, compared with 1.93% for First Capital.
Are First Capital and OP Bancorp in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.