First Capital vs Union Bankshares
First Capital and Union Bankshares are similar in size: $50.6m and $54.5m of revenue in their latest fiscal years. First Capital grew faster (16.5% against 13.3%). First Capital kept more of each dollar of sales as profit: a net margin of 32.3% against 20.3%.
| Latest fiscal year | First CapitalFCAP, 2025 | Union BanksharesUNB, 2025 |
|---|---|---|
| Revenue | $50.6m | $54.5m |
| Revenue growth | 16.5% | 13.3% |
| Net income | $16.4m | $11.1m |
| Operating margin | — | — |
| Net margin | 32.3% | 20.3% |
| Return on equity | 13.0% | 15.0% |
| Free cash flow | $19.9m | $16.0m |
| Cash | — | $12.3m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.20 | $1.44 |
| Dividend yield | 1.9% | 6.1% |
| Share buybacks | $578,000 | — |
| Employees | 176 | — |
| Market value | $213m | $111m |
| Price vs our value range | — | — |
| Moat score | 77 (Strong) | 70 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 6 buys, 0 sales |