FCAP vs. GCBC

Last updated Jun 3, 2026

FCAP (First Capital, Inc.) and GCBC (Greene County Bancorp, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, FCAP returned 9.85%/yr vs 13.47%/yr for GCBC. At a 0.09 correlation, their price movements are largely independent.

Performance

FCAP vs. GCBC - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in First Capital, Inc. (FCAP) and Greene County Bancorp, Inc. (GCBC). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FCAP achieves a 3.93% return, which is significantly lower than GCBC's 17.48% return. Over the past 10 years, FCAP has underperformed GCBC with an annualized return of 9.85%, while GCBC has yielded a comparatively higher 13.47% annualized return.

FCAP

• 1D: 0.99%
• 1M: 12.02%
• YTD: 3.93%
• 6M: 25.96%
• 1Y: 31.55%
• 3Y*: 38.93%
• 5Y*: 9.68%
• 10Y*: 9.85%

GCBC

• 1D: -1.30%
• 1M: 7.72%
• YTD: 17.48%
• 6M: 17.64%
• 1Y: 23.90%
• 3Y*: -0.03%
• 5Y*: 12.14%
• 10Y*: 13.47%

*Multi-year figures are annualized to reflect compound growth (CAGR)

FCAP vs. GCBC - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FCAP First Capital, Inc.	3.93%	88.44%	19.97%	16.53%	-36.33%	-31.57%	-15.75%	74.86%	18.49%	16.23%
GCBC Greene County Bancorp, Inc.	17.48%	-18.53%	-0.61%	-0.57%	57.91%	46.75%	-9.74%	-6.14%	-3.39%	44.60%

Correlation

The correlation between FCAP and GCBC is 0.39, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.39
Correlation (3Y) Calculated over the trailing 3-year period	0.21
Correlation (5Y) Calculated over the trailing 5-year period	0.14
Correlation (10Y) Calculated over the trailing 10-year period	0.19
Correlation (All Time) Calculated using the full available price history since Jul 1, 1999	0.09

Over the past year, FCAP and GCBC have become more correlated (0.39) than their long-term average of 0.09, meaning their price movements have been converging.

Fundamentals

EPS FCAP : $5.22 GCBC : $2.23
PE Ratio FCAP : 11.71 GCBC : 11.61
PEG Ratio FCAP : 1.11 GCBC : 1.41
PS Ratio FCAP : 3.05 GCBC : 3.10
Total Revenue (TTM) FCAP : $67.09M GCBC : $106.77M
Gross Profit (TTM) FCAP : $51.50M GCBC : $63.62M
EBITDA (TTM) FCAP : $21.91M GCBC : $33.26M

Return for Risk

FCAP vs. GCBC — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FCAP

FCAP Risk / Return Rank: 58
FCAP Sharpe Ratio Rank: 62
FCAP Sortino Ratio Rank: 59
FCAP Omega Ratio Rank: 56
FCAP Calmar Ratio Rank: 58
FCAP Martin Ratio Rank: 55

GCBC

GCBC Risk / Return Rank: 60
GCBC Sharpe Ratio Rank: 62
GCBC Sortino Ratio Rank: 59
GCBC Omega Ratio Rank: 54
GCBC Calmar Ratio Rank: 66
GCBC Martin Ratio Rank: 61

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FCAP vs. GCBC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for First Capital, Inc. (FCAP) and Greene County Bancorp, Inc. (GCBC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	FCAP	GCBC	Difference
Sharpe ratio Return per unit of total volatility	0.67	0.68	0.00
Sortino ratio Return per unit of downside risk	1.25	1.25	0.00
Omega ratio Gain probability vs. loss probability	1.15	1.14	+0.01
Calmar ratio Return relative to maximum drawdown	0.85	1.33	-0.48
Martin ratio Return relative to average drawdown	1.51	2.31	-0.80
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FCAP vs. GCBC - Sharpe Ratio Comparison

The current FCAP Sharpe Ratio is 0.67, which is comparable to the GCBC Sharpe Ratio of 0.68. The chart below compares the historical Sharpe Ratios of FCAP and GCBC, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	FCAP	GCBC	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.67	0.68	0.00
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.27	0.28	-0.01
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.25	0.32	-0.07
Sharpe Ratio (All Time) Calculated using the full available price history	0.30	0.35	-0.05

Drawdowns

FCAP vs. GCBC - Drawdown Comparison

The maximum FCAP drawdown since its inception was -68.71%, which is greater than GCBC's maximum drawdown of -53.06%. Use the drawdown chart below to compare losses from any high point for FCAP and GCBC.

Drawdown Indicators

	FCAP	GCBC	Difference
Max Drawdown Largest peak-to-trough decline	-68.71%	-53.06%	-15.65%
Max Drawdown (1Y) Largest decline over 1 year	-32.51%	-16.16%	-16.35%
Max Drawdown (3Y) Largest decline over 3 years	-36.19%	-42.92%	+6.73%
Max Drawdown (5Y) Largest decline over 5 years	-46.71%	-53.06%	+6.35%
Max Drawdown (10Y) Largest decline over 10 years	-68.71%	-53.06%	-15.65%
Current Drawdown Current decline from peak	-11.73%	-28.79%	+17.06%
Average Drawdown Average peak-to-trough decline	-17.70%	-14.62%	-3.08%
Ulcer Index Depth and duration of drawdowns from previous peaks	18.21%	9.28%	+8.93%

Volatility

FCAP vs. GCBC - Volatility Comparison

First Capital, Inc. (FCAP) has a higher volatility of 11.63% compared to Greene County Bancorp, Inc. (GCBC) at 5.54%. This indicates that FCAP's price experiences larger fluctuations and is considered to be riskier than GCBC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FCAP	GCBC	Difference
Volatility (1M) Calculated over the trailing 1-month period	11.63%	5.54%	+6.09%
Volatility (6M) Calculated over the trailing 6-month period	37.63%	20.74%	+16.89%
Volatility (1Y) Calculated over the trailing 1-year period	47.10%	35.62%	+11.48%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	35.63%	43.38%	-7.75%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	39.26%	42.41%	-3.15%

Dividends

FCAP vs. GCBC - Dividend Comparison

FCAP's dividend yield for the trailing twelve months is around 2.00%, more than GCBC's 1.54% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FCAP First Capital, Inc.	2.00%	2.03%	3.47%	3.87%	4.18%	2.57%	1.59%	1.30%	2.17%	2.34%	2.59%	3.22%
GCBC Greene County Bancorp, Inc.	1.54%	1.71%	1.23%	1.06%	0.94%	1.36%	1.80%	1.46%	1.27%	1.18%	1.64%	2.28%

Financials

Frequently Asked Questions

Can I hold both FCAP and GCBC in my portfolio?

FCAP and GCBC have a correlation of 0.39, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FCAP or GCBC?

FCAP has higher volatility (11.63%) compared to GCBC (5.54%). In terms of maximum drawdown, FCAP dropped -68.71% vs GCBC's -53.06%.

Which has better risk-adjusted returns?

GCBC currently has the higher Sharpe Ratio (0.68 vs 0.67), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.