BanColombia (NYSE: CIB) and Capital City Bank Group (NASDAQ:CCBG) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, valuation, analyst recommendations, risk, dividends, institutional ownership and profitabiliy.

Insider & Institutional Ownership

16.1% of BanColombia shares are held by institutional investors. Comparatively, 31.0% of Capital City Bank Group shares are held by institutional investors. 26.2% of Capital City Bank Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares BanColombia and Capital City Bank Group’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
BanColombia $3.70 billion 2.96 $1.03 billion $4.28 10.62
Capital City Bank Group $129.05 million 2.80 $12.72 million $0.75 28.37

BanColombia has higher revenue and earnings than Capital City Bank Group. BanColombia is trading at a lower price-to-earnings ratio than Capital City Bank Group, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

BanColombia has a beta of 0.35, indicating that its stock price is 65% less volatile than the S&P 500. Comparatively, Capital City Bank Group has a beta of 0.78, indicating that its stock price is 22% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
BanColombia 16.72% 14.47% 1.61%
Capital City Bank Group 9.49% 4.65% 0.46%

Dividends

BanColombia pays an annual dividend of $1.31 per share and has a dividend yield of 2.9%. Capital City Bank Group pays an annual dividend of $0.20 per share and has a dividend yield of 0.9%. BanColombia pays out 30.6% of its earnings in the form of a dividend. Capital City Bank Group pays out 26.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Analyst Ratings

This is a summary of current ratings and recommmendations for BanColombia and Capital City Bank Group, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BanColombia 1 3 3 0 2.29
Capital City Bank Group 1 2 0 0 1.67

BanColombia currently has a consensus price target of $44.33, suggesting a potential downside of 2.50%. Capital City Bank Group has a consensus price target of $21.00, suggesting a potential downside of 1.32%. Given Capital City Bank Group’s higher probable upside, analysts plainly believe Capital City Bank Group is more favorable than BanColombia.

Summary

BanColombia beats Capital City Bank Group on 10 of the 16 factors compared between the two stocks.

About BanColombia

Bancolombia S.A. (Bancolombia) is a financial institution engaged in providing a range of financial products and services to a diversified individual, corporate, and government customer base throughout Colombia, Latin America and the Caribbean region. The Bank operates through 10 segments: Banking Colombia, Banking Panama, Banking El Salvador, Leasing, Trust, Investment Banking, Brokerage, Off Shore and All other. It delivers its products and services through its regional network comprising Colombia’s non-Government owned banking network, El Salvador’s financial conglomerate by gross loans, Guatemala’s bank, Panama’s bank and off-shore banking subsidiaries in Panama, Cayman and Puerto Rico, as well as subsidiaries in Peru. The Bank and its subsidiaries offer Savings And Investment, Ahorro A La Mano, Financing, Mortgage Banking, Factoring, Financial and Operating Leases, Capital Markets, eTrading, Cash Management, Foreign Currency, Bancassurance, Investment Banking and Trust Services.

About Capital City Bank Group

Capital City Bank Group, Inc. is a financial holding company. The Company provides a range of banking and banking-related services to individual and corporate clients through its subsidiary, Capital City Bank (CCB or the Bank), with banking offices located in Florida, Georgia and Alabama. It operates through commercial banking segment with over four principal services, including Banking Services (CCB), Data Processing Services (Capital City Services Company), Trust and Asset Management Services (Capital City Trust Company) and Brokerage Services (Capital City Banc Investments, Inc.). In addition to its banking subsidiary, the Bank has three subsidiaries, Capital City Trust Company, Capital City Banc Investments, Inc. and Capital City Services Company. As of December 31, 2016, its total loans were $1,572 billion. As of December 31, 2016, the Bank’s total investment securities were $700.1 million. As of December 31, 2016, The Bank’s total deposits are approximately $2.412 million.

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