Capital City Bank Group (CCBG) vs Great Southern Bancorp, Inc. (GSBC)

Capital City Bank Group and Great Southern Bancorp, Inc. are both Banks Regional companies. Capital City Bank Group and Great Southern Bancorp, Inc. are of similar size ($859.1M and $843.9M). Great Southern Bancorp, Inc. trades at the lower P/E: 13.0× against 13.9×. Capital City Bank Group grew revenue faster over the last twelve months: 3.76% against −8.85%. Capital City Bank Group has the higher net margin (21.4% vs 20.7%) and the higher return on invested capital (41.1% vs 10.5%). Both pay a dividend; Great Southern Bancorp, Inc. yields more (3.23% vs 3.00%). Across the 20 metrics below, Capital City Bank Group leads on 11 and Great Southern Bancorp, Inc. on 9.

Valuation

Metric CCBG GSBC Banks Regional median
P/E 13.85 13.00 12.15
P/S 2.95 2.64 2.37
P/B 1.50 1.34 1.21
Price to free cash flow 16.44 19.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.41 2.17 2.27
Earnings yield 7.22% 7.69% 8.11%
Free cash flow yield 6.08% 5.16% 8.98%

Profitability

Metric CCBG GSBC Banks Regional median
Gross margin 88.90% 69.71% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.37% 20.72% 18.66%
Free cash flow margin 17.95% 13.64% 21.18%
Return on equity 11.26% 10.65% 10.64%
Return on assets 1.40% 1.18% 1.13%
Return on invested capital 41.05% 10.48% 8.33%

Growth

Metric CCBG GSBC Banks Regional median
Revenue growth (TTM) 3.76% (8.85%) 6.61%
EPS growth (last fiscal year) 15.38% 17.68% —
Revenue growth, 5-year CAGR 5.70% 6.28% 12.30%
Net income growth, 5-year CAGR 14.28% 3.65% 9.71%

Health

Metric CCBG GSBC Banks Regional median
Debt to equity 0.06 0.04 0.22
Current ratio 0.79 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCBG GSBC Banks Regional median
Dividend yield 3.00% 3.23% 3.75%
Payout ratio 0.23 0.25 0.27

Size

Metric CCBG GSBC Banks Regional median
Market cap 843.86m 859.05m 921.07m

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