Capital City Bank Group (NASDAQ: CCBG) and Your Community Bankshares (NASDAQ:YCB) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, analyst recommendations, dividends, risk, earnings, valuation and institutional ownership.

Valuation and Earnings

This table compares Capital City Bank Group and Your Community Bankshares’ 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 3.11 $12.55 million $0.74 32.12
Your Community Bankshares N/A N/A N/A $2.73 14.42

Capital City Bank Group has higher revenue and earnings than Your Community Bankshares. Your Community Bankshares 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.

Insider & Institutional Ownership

31.5% of Capital City Bank Group shares are owned by institutional investors. Comparatively, 34.7% of Your Community Bankshares shares are owned by institutional investors. 26.2% of Capital City Bank Group shares are owned by insiders. Comparatively, 11.5% of Your Community Bankshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Risk & Volatility

Capital City Bank Group has a beta of 0.67, suggesting that its stock price is 33% less volatile than the S&P 500. Comparatively, Your Community Bankshares has a beta of 0.32, suggesting that its stock price is 68% less volatile than the S&P 500.

Profitability

This table compares Capital City Bank Group and Your Community Bankshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Capital City Bank Group 9.27% 4.49% 0.44%
Your Community Bankshares 22.71% 11.13% 0.98%

Dividends

Capital City Bank Group pays an annual dividend of $0.28 per share and has a dividend yield of 1.2%. Your Community Bankshares pays an annual dividend of $0.48 per share and has a dividend yield of 1.2%. Capital City Bank Group pays out 37.8% of its earnings in the form of a dividend. Your Community Bankshares pays out 17.6% 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. Your Community Bankshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Capital City Bank Group and Your Community Bankshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Capital City Bank Group 1 3 0 0 1.75
Your Community Bankshares 0 0 0 0 N/A

Capital City Bank Group presently has a consensus target price of $23.00, suggesting a potential downside of 3.24%. Given Capital City Bank Group’s higher probable upside, equities research analysts clearly believe Capital City Bank Group is more favorable than Your Community Bankshares.

Summary

Your Community Bankshares beats Capital City Bank Group on 7 of the 11 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.

Your Community Bankshares Company Profile

Your Community Bankshares, Inc., formerly Community Bank Shares of Indiana, Inc., is a bank holding company. The Company operates through its banking subsidiary, Your Community Bank (the Bank). The Bank is a state-chartered commercial bank. The Bank has approximately three subsidiaries to manage its investment portfolio, including CBSI Holdings, Inc. and CBSI Investments, Inc., which together owns CBSI Investment Portfolio Management, LLC, which holds and manages investment securities owned by the Bank. In addition, the Company owns a captive insurance company, CBIN Insurance, Inc., which issues policies to its banking subsidiaries. The Company offers business and personal banking services through a range of deposit products and services that include non-interest and interest-bearing checking accounts, mobile banking, debit cards, savings accounts, money market accounts, certificates of deposit and individual retirement accounts.

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