PBNC vs FCAP: Earnings, Dividends & Valuation

PB Financial Corporation PBNC | OTC

$74.20 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $215.36 M

PE Ratio: 9.53

52-Week Range: $53 - $78.93

6.9-year Total Return: +145.6%

Dividend Yield (FWD): 3.40%

First Capital Inc. FCAP | NASDAQ

$65.39 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $220.75 M

PE Ratio: 11.43

52-Week Range: $44.02 - $71

6.9-year Total Return: +13.2%

Dividend Yield (FWD): 1.96%

6.9-year Total Returns with DRIP & Price Chart for PBNC and FCAP

1Y 2Y 5Y 10Y All

6.9-yr Total Returns PBNC vs FCAP

	PBNC	FCAP
Initial Balance	$10,000	$10,000
Initial Price	$35	$69.49
Initial Shares	285.71	143.91

Total Dividends	$2,232	$1,121
Last Dividend	$0.63	$0.32
Estimated Divs	$209 / quarter	$55 / quarter
Yield-on-Cost	7.2%	1.84%
End Shares	331.03 (+45.32)	173.15 (+29.24)
Last Shares Price	$74.2	$65.39
Total End Value	$24,563	$11,322
Total Return	+145.6%	+13.2%
Comparison start date: Dec 18, 2019

PBNC & FCAP Dividend Charts

Dividend Payments & Yield - PBNC

PBNC Dividend CAGR:1Y: 5.00%2Y: 6.07%5Y: 18.47%10Y: 20.18%

Dividend Payments & Yield - FCAP

FCAP Dividend CAGR:1Y: 0.00%2Y: 3.02%5Y: 3.41%10Y: 3.87%

Dividend Payout Ratio - PBNC

Dividend Payout Ratio - FCAP

Dividend to Free Cash Flow (FCF) Ratio - PBNC

Dividend to Free Cash Flow (FCF) Ratio - FCAP

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Fundamentals: Revenue, Earnings, Cash Flow, EBITDA & Shares Outstanding:

PBNC - Revenue

PBNC Revenue CAGR:1Y: 81.47%2Y: 7.76%5Y: 33.91%10Y: N/A

FCAP - Revenue

FCAP Revenue CAGR:1Y: 38.63%2Y: N/A5Y: N/A10Y: N/A

PBNC - Earnings Per Share (EPS)

PBNC EPS CAGR:1Y: 12.30%2Y: 16.77%5Y: 13.60%10Y: N/A

FCAP - Earnings Per Share (EPS)

FCAP EPS CAGR:1Y: 14.18%2Y: N/A5Y: N/A10Y: N/A

PBNC - Net Income

PBNC Net Income CAGR:1Y: 14.64%2Y: 18.59%5Y: 22.50%10Y: N/A

FCAP - Net Income

FCAP Net Income CAGR:1Y: 13.98%2Y: N/A5Y: N/A10Y: N/A

PBNC - EBITDA

PBNC EBITDA CAGR:1Y: 13.38%2Y: 18.36%5Y: 22.58%10Y: N/A

FCAP - EBITDA

FCAP EBITDA CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A

PBNC - Free Cash Flow

PBNC Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: N/A

FCAP - Free Cash Flow

FCAP Free Cash Flow CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A

PBNC - Free Cash Flow / Share

PBNC Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: N/A

FCAP - Free Cash Flow / Share

FCAP Free Cash Flow / Share CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A

PBNC - Shares Outstanding

PBNC Shares Outstanding CAGR:1Y: 2.91%2Y: 2.59%5Y: 6.86%10Y: N/A

FCAP - Shares Outstanding

FCAP Shares Outstanding CAGR:1Y: -0.29%2Y: N/A5Y: N/A10Y: N/A

PBNC - Stock-Based Comp

PBNC Stock-Based Comp CAGR:1Y: N/A2Y: N/A5Y: N/A10Y: N/A

FCAP - Stock-Based Comp

FCAP Stock-Based Comp CAGR:1Y: -100.00%2Y: N/A5Y: N/A10Y: N/A

PBNC - Expenses

PBNC Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: N/A

FCAP - Expenses

FCAP Expenses CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

PBNC - REVENUE: Actual + Estimates

PBNC Actual Revenue CAGR:1Y: 81.47%2Y: 7.76%5Y: 33.91%10Y: N/A

FCAP - REVENUE: Actual + Estimates

FCAP Actual Revenue CAGR:1Y: 38.63%2Y: N/A5Y: N/A10Y: N/A

PBNC - EPS: Actual + Estimates

PBNC Actual EPS CAGR:1Y: 12.30%2Y: 16.77%5Y: 13.60%10Y: N/A

FCAP - EPS: Actual + Estimates

FCAP Actual EPS CAGR:1Y: 14.18%2Y: N/A5Y: N/A10Y: N/A

PBNC - NET INCOME: Actual + Estimates

PBNC Actual Net Income CAGR:1Y: 14.64%2Y: 18.59%5Y: 22.50%10Y: N/A

FCAP - NET INCOME: Actual + Estimates

FCAP Actual Net Income CAGR:1Y: 13.98%2Y: N/A5Y: N/A10Y: N/A

PBNC - EBITDA: Actual + Estimates

PBNC Actual EBITDA CAGR:1Y: 13.38%2Y: 18.36%5Y: 22.58%10Y: N/A

FCAP - EBITDA: Actual + Estimates

FCAP Actual EBITDA CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A

Ratios, Profit Margins & Return on Capital:

PBNC - Net Profit Margin

PBNC Net Profit Margin CAGR:1Y: -36.83%2Y: 10.04%5Y: -8.52%10Y: N/A

FCAP - Net Profit Margin

FCAP Net Profit Margin CAGR:1Y: 5.15%2Y: N/A5Y: N/A10Y: N/A

PBNC - Gross Profit Margin

PBNC Gross Profit Margin CAGR:1Y: -39.18%2Y: 5.02%5Y: -9.47%10Y: N/A

FCAP - Gross Profit Margin

FCAP Gross Profit Margin CAGR:1Y: 1.67%2Y: N/A5Y: N/A10Y: N/A

PBNC - Price to Earnings

FCAP - Price to Earnings

PBNC - Price To Sales Ratio

FCAP - Price To Sales Ratio

PBNC - Return on Capital Employed

FCAP - Return on Capital Employed

PBNC - Return on Invested Capital

FCAP - Return on Invested Capital

Combined Charts: Earnings, Cash Flow, Valuation, Cash & Debt:

PBNC - EPS vs PE Ratio

FCAP - EPS vs PE Ratio

PBNC - FCF vs FCF/Share

FCAP - FCF vs FCF/Share

PBNC - EPS vs FCF per Share

FCAP - EPS vs FCF per Share

PBNC - FCF vs Stock Based Comp

FCAP - FCF vs Stock Based Comp

PBNC - Revenue vs Net Income

FCAP - Revenue vs Net Income

PBNC - Cash & Debt

FCAP - Cash & Debt

Dividend History Tables

PBNC Dividends Info:

Estimated Annual Dividend: $2.52

Forward Yield: 3.4%

Ex-Dividend Date: 2026-08-03

Lifetime Dividends / Share: $10.79

PBNC Dividend History: Dates, Payments & Yield list

Below is a schedule of all PBNC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/03/2026	08/05/2026	$0.630	3.55%	3.55%	$71.00
05/07/2026	05/11/2026	$0.620	3.31%	3.31%	$75.00
02/18/2026	02/20/2026	$0.610	3.96%	3.96%	$61.60
02/11/2026	02/13/2026	$0.340	2.21%	2.21%	$61.60
11/12/2025	11/14/2025	$0.600	4.44%	4.44%	$54.00
08/01/2025	08/04/2025	$0.590	4.72%	4.71%	$50.10
05/08/2025	05/12/2025	$0.580	4.82%	4.82%	$48.10
02/11/2025	02/13/2025	$0.570	4.77%	5.01%	$45.51
11/05/2024	11/07/2024	$0.560	5.33%	5.33%	$42.00
08/02/2024	08/05/2024	$0.540	5.28%	5.28%	$40.90
05/07/2024	05/09/2024	$0.530	4.94%	0%	$0.00
02/05/2024	02/07/2024	$0.520	5.07%	5.01%	$41.50
11/06/2023	11/08/2023	$0.510	5.2%	0%	$0.00
08/04/2023	08/07/2023	$0.500	4.8%	0%	$0.00
05/09/2023	05/11/2023	$0.450	4.21%	0%	$0.00
02/06/2023	02/08/2023	$0.400	3.75%	0%	$0.00
11/04/2022	11/25/2022	$0.350	0%	3.37%	$41.60
07/29/2022	08/22/2022	$0.310	3.18%	3.08%	$40.31
05/10/2022	05/26/2022	$0.290	3.02%	3.02%	$38.45
02/07/2022	02/24/2022	$0.280	2.8%	2.92%	$38.35
11/08/2021	11/26/2021	$0.270	2.88%	2.86%	$37.75
07/30/2021	08/23/2021	$0.260	2.94%	2.94%	$35.36
05/11/2021	05/26/2021	$0.250	0%	2.84%	$35.25
02/08/2021	02/25/2021	$0.230	2.63%	2.63%	$35.01

FCAP Dividends Info:

Estimated Annual Dividend: $1.28

Forward Yield: 1.96%

Ex-Dividend Date: 2026-09-11

Lifetime Dividends / Share: $15.08

FCAP Dividend History: Dates, Payments & Yield list

Below is a schedule of all FCAP dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
09/11/2026	09/14/2026	$0.320	2.04%	2.09%	$61.32
06/12/2026	06/15/2026	$0.310	1.93%	1.95%	$63.49
03/13/2026	03/16/2026	$0.310	2.65%	2.64%	$47.03
12/12/2025	12/15/2025	$0.310	1.9%	1.91%	$65.00
09/12/2025	09/15/2025	$0.310	2.85%	2.82%	$44.02
06/13/2025	06/16/2025	$0.290	2.54%	2.58%	$45.00
03/14/2025	03/17/2025	$0.290	3.05%	3.04%	$38.21
12/13/2024	12/16/2024	$0.290	3.97%	3.93%	$29.50
09/13/2024	09/16/2024	$0.290	3.62%	3.62%	$32.06
06/14/2024	06/17/2024	$0.270	3.68%	3.68%	$29.32
03/14/2024	03/18/2024	$0.270	3.87%	3.86%	$28.01
12/14/2023	12/18/2023	$0.270	4%	4%	$27.00
09/14/2023	09/18/2023	$0.270	3.61%	3.67%	$29.41
06/15/2023	06/19/2023	$0.270	3.78%	3.51%	$30.80
03/16/2023	03/20/2023	$0.270	4.41%	4.49%	$24.06
12/15/2022	12/19/2022	$0.260	4.33%	4.41%	$23.57
09/15/2022	09/19/2022	$0.260	3.83%	3.79%	$27.42
06/15/2022	06/17/2022	$0.260	3.3%	3.5%	$29.73
03/16/2022	03/18/2022	$0.260	2.66%	2.65%	$39.26
12/15/2021	12/17/2021	$0.260	2.59%	2.63%	$39.60
09/15/2021	09/17/2021	$0.260	2.47%	2.53%	$41.17
06/15/2021	06/17/2021	$0.260	2.26%	2.29%	$45.36
03/15/2021	03/17/2021	$0.260	1.86%	1.92%	$54.06
12/15/2020	12/17/2020	$0.240	1.41%	1.41%	$67.90
09/14/2020	09/16/2020	$0.240	1.59%	1.71%	$56.13
06/12/2020	06/15/2020	$0.240	1.49%	1.42%	$67.45
03/13/2020	03/16/2020	$0.240	1.54%	1.75%	$54.71
12/13/2019	12/16/2019	$0.240	1.51%	1.48%	$64.81
09/12/2019	09/16/2019	$0.240	1.66%	1.66%	$57.75
06/13/2019	06/17/2019	$0.240	2.01%	1.99%	$48.18
03/14/2019	03/18/2019	$0.230	1.78%	1.78%	$51.83
12/13/2018	12/17/2018	$0.230	2.4%	2.59%	$35.50
09/13/2018	09/17/2018	$0.230	2.38%	2.4%	$38.37
06/14/2018	06/18/2018	$0.230	2.49%	2.4%	$38.41
03/15/2018	03/19/2018	$0.230	2.19%	2.4%	$38.33
12/14/2017	12/18/2017	$0.220	2.45%	2.42%	$36.43
09/14/2017	09/18/2017	$0.220	2.38%	2.58%	$34.10
06/13/2017	06/15/2017	$0.210	2.77%	2.7%	$31.10
03/14/2017	03/16/2017	$0.210	2.59%	2.58%	$32.50
12/14/2016	12/16/2016	$0.210	2.72%	2.82%	$29.75
09/13/2016	09/15/2016	$0.210	3.15%	3.1%	$27.08
06/13/2016	06/15/2016	$0.210	2.66%	2.61%	$32.21
03/14/2016	03/16/2016	$0.210	3.01%	2.97%	$28.29
12/14/2015	12/16/2015	$0.210	3.19%	3.12%	$26.94
09/14/2015	09/16/2015	$0.210	3.2%	3.19%	$26.31
06/11/2015	06/15/2015	$0.210	3.2%	3%	$28.00
03/12/2015	03/16/2015	$0.210	3.55%	3.44%	$24.39
12/12/2014	12/15/2014	$0.210	3.51%	3.57%	$23.50
09/11/2014	09/15/2014	$0.210	1.83%	3.66%	$22.93
06/12/2014	06/16/2014	$0.210	2.09%	4.08%	$20.60
03/13/2014	03/17/2014	$0.210	1.95%	2.03%	$20.72
12/12/2013	12/16/2013	$0.200	1.93%	1.86%	$21.50
09/12/2013	09/16/2013	$0.200	1.89%	1.89%	$21.11
03/13/2013	03/15/2013	$0.200	2.02%	2.02%	$19.84
06/12/2003	06/16/2003	$0.127	0%	0%	$0.00
03/13/2003	03/17/2003	$0.118	0%	0%	$0.00
12/12/2002	12/16/2002	$0.118	0%	0%	$0.00
09/12/2002	09/16/2002	$0.118	0%	0%	$0.00
06/12/2002	06/14/2002	$0.118	0%	0%	$0.00
03/13/2002	03/15/2002	$0.118	0%	0%	$0.00
12/12/2001	12/14/2001	$0.118	0%	0%	$0.00
09/12/2001	09/14/2001	$0.109	0%	0%	$0.00
06/13/2001	06/15/2001	$0.109	0%	0%	$0.00
03/14/2001	03/16/2001	$0.100	0%	0%	$0.00
12/13/2000	12/15/2000	$0.100	0%	0%	$0.00
09/13/2000	09/15/2000	$0.091	0%	0%	$0.00
06/14/2000	06/16/2000	$0.091	0%	0%	$0.00
03/15/2000	03/17/2000	$0.091	0%	0%	$0.00
12/15/1999	12/17/1999	$0.091	0%	0%	$0.00
09/15/1999	09/17/1999	$0.091	0%	0%	$0.00
06/15/1999	06/17/1999	$0.073	0%	0%	$0.00
03/16/1999	03/18/1999	$0.064	0%	0%	$0.00

Projected Future Values & Dividends for PBNC & FCAP

Based on past 6.9 years performance, PBNC had share price CAGR of +24.66%, and dividend CAGR of +18.02%.

During same period FCAP had share price CAGR of +7.66%, and dividend CAGR of +3.97%.

Using these CAGR metrics, we can estimate that your initial $10,000 investment from 6.9 years ago, with dividends being reinvested (DRIP), is modelled to grow and collect dividends as follows:

Projection uses PBNC applied at 10.00% price / 10.00% dividend.

	PBNC	FCAP
Start Value	$10,000	$10,000
Start Share Price	$74.20	$65.39
Start Shares	134.77	152.93

After 10 years:	PBNC	FCAP
Final Share Count	189.00	180.87
Dividends Payment	$1.63	$0.47
Annual Dividends	$1,235	$342
Share Price	$192.46	$136.78
Total Dividends	$6,582	$2,577
Final Value	$36,375	$24,741

Estimated Future Returns - PBNC

Estimated Future Returns - FCAP

Estimate Dividend Snowball and total future returns for PBNC and FCAP with our dividend (DRIP) calculator.

Above numbers are merely projections based on Dividend and Price CAGR for each stock, and should only be considered as 'potential future returns'! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these metrics.

Compare Stocks: PBNC vs FCAP