First Capital (FCAP) vs Ponce Financial Group (PDLB)
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 Ponce Financial Group (PDLB) over the past year, gaining 42.2% versus a gain of 38.9%. Over five years, PDLB leads with a +93.2% price change compared with +56.2% for FCAP. Ponce Financial Group is the larger company by market cap ($487.4 million vs $212.9 million), about 2.3 times the size.
On valuation, First Capital trades at a lower trailing P/E (11.5x vs 14.3x for Ponce Financial Group). First Capital pays a dividend yielding 1.95%, while Ponce Financial Group does not currently pay one.
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 | PDLB |
|---|---|---|
| Share price | $63.65 | $20.15 |
| Market cap | $212.87M | $487.39M |
| 1-day change | -0.73% | -0.20% |
| YTD return | +8.29% | +23.49% |
| 1-year return | +42.18% | +38.86% |
| 5-year return | +56.18% | +93.18% |
| P/E ratio (TTM) | 11.53 | 14.29 |
| Forward P/E | — | 11.38 |
| EPS (TTM) | $5.52 | $1.41 |
| Dividend yield | 1.95% | 0.00% |
| Annual dividend | $1.24 | $0.00 |
| 52-week high | $71.00 | $21.10 |
| 52-week low | $37.64 | $13.91 |
| Distance from 52-week high | -10.36% | -4.50% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +19.11% |
| Average volume | 18.52K | 75.35K |
| Shares outstanding | 3.34M | 24.19M |
| Employees | 176 | 229 |
| 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
- Ponce Financial Group is about 2.3 times larger than First Capital by market value ($487.39M vs $212.87M).
- First Capital offers a meaningfully higher dividend yield (1.95% vs 0.00%).
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 Ponce Financial Group
PDLB stock →Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services.
Finance · Savings Institutions · 229 employees
FCAP vs PDLB FAQ
Which is bigger, First Capital or Ponce Financial Group?
Ponce Financial Group (PDLB) is larger, with a market capitalization of $487.39M compared with $212.87M for First Capital (FCAP).
Which stock has performed better over the past year, FCAP or PDLB?
FCAP returned +42.18% over the past 12 months, compared with +38.86% for PDLB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FCAP or PDLB?
FCAP has the lower trailing P/E at 11.5, versus 14.3 for PDLB. 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 Ponce Financial Group?
First Capital pays a dividend yielding 1.95%, while Ponce Financial Group does not currently pay a regular dividend.
Are First Capital and Ponce Financial Group in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.