Critical Comparison: Capital City Bank Group (CCBG) versus Its Peers

Capital City Bank Group (NASDAQ:CCBG) is one of 919 publicly-traded companies in the “Banks” industry, but how does it contrast to its competitors? We will compare Capital City Bank Group to similar companies based on the strength of its earnings, institutional ownership, dividends, profitability, analyst recommendations, valuation and risk.

Dividends

Capital City Bank Group pays an annual dividend of $1.08 per share and has a dividend yield of 2.1%. Capital City Bank Group pays out 29.5% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.2% and pay out 28.9% of their earnings in the form of a dividend. Capital City Bank Group has increased its dividend for 11 consecutive years. Capital City Bank Group lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.

Valuation & Earnings

This table compares Capital City Bank Group and its competitors revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Capital City Bank Group	$286.74 million	$61.56 million	14.20
Capital City Bank Group Competitors	$9.95 billion	$2.42 billion	17.29

Capital City Bank Group’s competitors have higher revenue and earnings than Capital City Bank Group. Capital City Bank Group is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Insider & Institutional Ownership

44.6% of Capital City Bank Group shares are held by institutional investors. Comparatively, 47.8% of shares of all “Banks” companies are held by institutional investors. 19.8% of Capital City Bank Group shares are held by insiders. Comparatively, 9.8% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Volatility & Risk

Capital City Bank Group has a beta of 0.33, indicating that its share price is 67% less volatile than the S&P 500. Comparatively, Capital City Bank Group’s competitors have a beta of 0.52, indicating that their average share price is 48% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Capital City Bank Group and its competitors, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Capital City Bank Group	0	3	0	1	2.50
Capital City Bank Group Competitors	7464	30192	27759	1465	2.35

Capital City Bank Group currently has a consensus target price of $51.75, indicating a potential downside of 0.39%. As a group, “Banks” companies have a potential upside of 14.49%. Given Capital City Bank Group’s competitors higher possible upside, analysts clearly believe Capital City Bank Group has less favorable growth aspects than its competitors.

Profitability

This table compares Capital City Bank Group and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Capital City Bank Group	21.85%	11.12%	1.42%
Capital City Bank Group Competitors	15.66%	9.44%	0.93%

Summary

Capital City Bank Group competitors beat Capital City Bank Group on 9 of the 15 factors compared.

About Capital City Bank Group

Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking- related services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail securities products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care, as well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.