Capital City Bank Group (NASDAQ: CCBG) and First Citizens BancShares (NASDAQ:FCNCA) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their valuation, profitability, dividends, risk, institutional ownership, earnings and analyst recommendations.
Earnings & Valuation
Get Capital City Bank Group alerts:This table compares Capital City Bank Group and First Citizens BancShares’ gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Capital City Bank Group | $138.68 million | 2.84 | $10.86 million | $0.88 | 26.26 |
| First Citizens BancShares | $1.61 billion | 3.30 | $323.75 million | N/A | N/A |
First Citizens BancShares has higher revenue and earnings than Capital City Bank Group.
Insider and Institutional Ownership
37.2% of Capital City Bank Group shares are owned by institutional investors. Comparatively, 44.8% of First Citizens BancShares shares are owned by institutional investors. 24.3% of Capital City Bank Group shares are owned by company insiders. Comparatively, 19.2% of First Citizens BancShares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Dividends
Capital City Bank Group pays an annual dividend of $0.28 per share and has a dividend yield of 1.2%. First Citizens BancShares pays an annual dividend of $1.40 per share and has a dividend yield of 0.3%. Capital City Bank Group pays out 31.8% of its earnings in the form of a dividend.
Analyst Ratings
This is a breakdown of current ratings and target prices for Capital City Bank Group and First Citizens BancShares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Capital City Bank Group | 0 | 2 | 1 | 0 | 2.33 |
| First Citizens BancShares | 0 | 0 | 0 | 0 | N/A |
Capital City Bank Group currently has a consensus price target of $26.50, suggesting a potential upside of 14.67%. Given Capital City Bank Group’s higher probable upside, research analysts clearly believe Capital City Bank Group is more favorable than First Citizens BancShares.
Profitability
This table compares Capital City Bank Group and First Citizens BancShares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Capital City Bank Group | 9.84% | 5.77% | 0.57% |
| First Citizens BancShares | 21.22% | 11.53% | 1.11% |
Risk and Volatility
Capital City Bank Group has a beta of 0.69, indicating that its share price is 31% less volatile than the S&P 500. Comparatively, First Citizens BancShares has a beta of 1.11, indicating that its share price is 11% more volatile than the S&P 500.
Summary
First Citizens BancShares beats Capital City Bank Group on 9 of the 14 factors compared between the two stocks.
About Capital City Bank Group
Capital City Bank Group, Inc. operates as the bank holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients in Florida, Georgia, and Alabama. It 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. The company also provides commercial and residential real estate lending products, as well as fixed-rate and adjustable rate residential mortgage loans; retail credit products, such as personal loans, automobile loans, boat/RV loans, home equity loans, and credit card programs; and 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. Its consumer banking services include checking accounts, savings programs, automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, online banking, and mobile banking. In addition, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and offers access to retail securities products, including the U.S. Government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care. As of February 28, 2018, it had 59 banking offices. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.
About First Citizens BancShares
First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides banking services to retail and commercial customers. Its deposit products include checking, savings, money market and time deposit accounts. The company's loan products portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, lease financing, and other commercial real estate loans; and noncommercial construction and land development, residential mortgage, revolving mortgage, consumer loans, and construction and land development loans. It also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment services, including annuities, discount brokerage services, and third-party mutual funds, as well as investment advisory services; trust and asset management services; and title insurance products. The company offers its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2017, it operated 545 branches in Arizona, California, Colorado, Florida, Georgia, Illinois, Kansas, Maryland, Minnesota, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, and Wisconsin. The company was founded in 1898 and is headquartered in Raleigh, North Carolina.
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