Capital City Bank Group (NASDAQ: CCBG) and First Commonwealth Financial Corporation (NYSE:FCF) are both small-cap financials companies, but which is the superior stock? We will contrast the two businesses based on the strength of their profitability, analyst recommendations, institutional ownership, risk, valuation, earnings and dividends.

Dividends

Capital City Bank Group pays an annual dividend of $0.28 per share and has a dividend yield of 1.4%. First Commonwealth Financial Corporation pays an annual dividend of $0.32 per share and has a dividend yield of 2.6%. Capital City Bank Group pays out 37.8% of its earnings in the form of a dividend. First Commonwealth Financial Corporation pays out 45.1% 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.

Insider & Institutional Ownership

31.4% of Capital City Bank Group shares are held by institutional investors. Comparatively, 63.1% of First Commonwealth Financial Corporation shares are held by institutional investors. 26.2% of Capital City Bank Group shares are held by insiders. Comparatively, 1.7% of First Commonwealth Financial Corporation shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Risk & Volatility

Capital City Bank Group has a beta of 0.7, meaning that its stock price is 30% less volatile than the S&P 500. Comparatively, First Commonwealth Financial Corporation has a beta of 0.99, meaning that its stock price is 1% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and price targets for Capital City Bank Group and First Commonwealth Financial Corporation, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Capital City Bank Group 1 2 0 0 1.67
First Commonwealth Financial Corporation 0 2 4 0 2.67

Capital City Bank Group currently has a consensus price target of $23.00, indicating a potential upside of 15.00%. First Commonwealth Financial Corporation has a consensus price target of $9.13, indicating a potential downside of 25.69%. Given Capital City Bank Group’s higher possible upside, analysts clearly believe Capital City Bank Group is more favorable than First Commonwealth Financial Corporation.

Profitability

This table compares Capital City Bank Group and First Commonwealth Financial Corporation’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Capital City Bank Group 10.59% 5.11% 0.50%
First Commonwealth Financial Corporation 21.61% 9.45% 1.08%

Valuation & Earnings

This table compares Capital City Bank Group and First Commonwealth Financial Corporation’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Capital City Bank Group $129.72 million 2.62 $12.55 million $0.74 27.03
First Commonwealth Financial Corporation $276.71 million 4.33 $69.21 million $0.71 17.30

First Commonwealth Financial Corporation has higher revenue and earnings than Capital City Bank Group. First Commonwealth Financial Corporation 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.

Summary

First Commonwealth Financial Corporation beats Capital City Bank Group on 11 of the 16 factors compared between the two stocks.

Capital City Bank Group Company Profile

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.

First Commonwealth Financial Corporation Company Profile

First Commonwealth Financial Corporation is a financial holding company. The Company, through its subsidiary, First Commonwealth Bank (the Bank), provides a range of consumer and commercial banking services. The Company also provides trust and wealth management services, and offers insurance products through the Bank and its other operating subsidiaries. The Bank is a Pennsylvania bank and trust company. As of December 31, 2016, the Bank operated 105 community banking offices throughout western and central Pennsylvania, 17 community banking offices in Central Ohio and loan production offices in Akron and Cleveland, Ohio. As of December 31, 2016, the Bank also operated a network of 133 automated teller machines (ATMs) at various branch offices and offsite locations. As of December 31, 2016, the Bank operated 122 community banking offices throughout western Pennsylvania and central and northern Ohio, as well as loan production offices in Akron and Cleveland, Ohio.

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