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Capital City Bank Group (CCBG) vs Independent Bank Corp. (IBCP)

Capital City Bank Group and Independent Bank Corp. are both Banks Regional companies. Capital City Bank Group and Independent Bank Corp. are of similar size ($836.5M and $783.4M). Independent Bank Corp. trades at the lower P/E: 10.2× against 13.6×. Capital City Bank Group grew revenue faster over the last twelve months: 3.76% against 0.86%. Independent Bank Corp. has the higher net margin (22.3% vs 21.4%) and the lower return on invested capital (10.0% vs 41.1%). Both pay a dividend; Independent Bank Corp. yields more (3.09% vs 2.18%). Across the 19 metrics below, Capital City Bank Group leads on 10 and Independent Bank Corp. on 9.

Valuation

Metric CCBG IBCP Banks Regional median
P/E 13.63 10.23 11.98
P/S 2.90 2.28 2.34
P/B 1.47 1.39 1.19
Price to free cash flow 16.18 19.24 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.33% 9.78% 8.23%
Free cash flow yield 6.18% 5.20% 9.08%

Profitability

Metric CCBG IBCP Banks Regional median
Gross margin 88.90% 73.96% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.37% 22.32% 18.66%
Free cash flow margin 17.95% 11.86% 21.11%
Return on equity 11.26% 14.38% 10.65%
Return on assets 1.40% 1.29% 1.13%
Return on invested capital 41.05% 10.04% 8.35%

Growth

Metric CCBG IBCP Banks Regional median
Revenue growth (TTM) 3.76% 0.86% 6.98%
EPS growth (last fiscal year) 15.38% 3.48% 18.88%
Revenue growth, 5-year CAGR 5.70% 7.41% 12.38%
Net income growth, 5-year CAGR 14.28% 4.07% 9.71%

Health

Metric CCBG IBCP Banks Regional median
Debt to equity 0.06 0.32 0.22
Current ratio 0.79 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCBG IBCP Banks Regional median
Dividend yield 2.18% 3.09% 2.57%
Payout ratio 0.30 0.32 0.30

Size

Metric CCBG IBCP Banks Regional median
Market cap 836.49m 783.42m 913.33m

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