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Capital City Bank Group (CCBG) vs Farmers National Banc Corp. (FMNB)

Capital City Bank Group and Farmers National Banc Corp. are both Banks Regional companies. Capital City Bank Group and Farmers National Banc Corp. are of similar size ($900.6M and $836.5M). Farmers National Banc Corp. trades at the lower P/E: 10.4× against 13.6×. Farmers National Banc Corp. grew revenue faster over the last twelve months: 16.8% against 3.76%. Capital City Bank Group has the higher net margin (21.4% vs 20.5%) and the higher return on invested capital (41.1% vs 6.96%). Both pay a dividend; Farmers National Banc Corp. yields more (4.51% vs 2.18%). Across the 19 metrics below, Farmers National Banc Corp. leads on 11 and Capital City Bank Group on 8.

Valuation

Metric CCBG FMNB Banks Regional median
P/E 13.63 10.41 11.98
P/S 2.90 2.79 2.34
P/B 1.47 1.15 1.19
Price to free cash flow 16.18 14.65 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.33% 9.61% 8.23%
Free cash flow yield 6.18% 6.82% 9.08%

Profitability

Metric CCBG FMNB Banks Regional median
Gross margin 88.90% 69.08% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.37% 20.52% 18.66%
Free cash flow margin 17.95% 19.04% 21.11%
Return on equity 11.26% 10.87% 10.65%
Return on assets 1.40% 1.08% 1.13%
Return on invested capital 41.05% 6.96% 8.35%

Growth

Metric CCBG FMNB Banks Regional median
Revenue growth (TTM) 3.76% 16.75% 6.98%
EPS growth (last fiscal year) 15.38% 18.85% 18.88%
Revenue growth, 5-year CAGR 5.70% 13.52% 12.38%
Net income growth, 5-year CAGR 14.28% 5.44% 9.71%

Health

Metric CCBG FMNB Banks Regional median
Debt to equity 0.06 0.12 0.22
Current ratio 0.79 0.79 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCBG FMNB Banks Regional median
Dividend yield 2.18% 4.51% 2.57%
Payout ratio 0.30 0.47 0.30

Size

Metric CCBG FMNB Banks Regional median
Market cap 836.49m 900.57m 913.33m

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