Capital City Bank Group (CCBG) vs Mid Penn Bancorp (MPB)

Capital City Bank Group and Mid Penn Bancorp are both Banks Regional companies. Capital City Bank Group and Mid Penn Bancorp are of similar size ($869.3M and $861.6M). Mid Penn Bancorp trades at the lower P/E: 11.8× against 13.8×. Mid Penn Bancorp grew revenue faster over the last twelve months: 18.7% against 1.29%. Capital City Bank Group has the higher net margin (21.9% vs 17.8%) and the higher return on invested capital (26.4% vs 0.00%). Both pay a dividend; Mid Penn Bancorp yields more (3.26% vs 2.12%). Across the 19 metrics below, Mid Penn Bancorp leads on 12 and Capital City Bank Group on 7.

Valuation

Metric CCBG MPB Banks Regional median
P/E 13.80 11.81 12.02
P/S 3.01 2.17 2.36
P/B 1.51 0.96 1.23
Price to free cash flow 14.12 11.45 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.25% 8.47% 8.21%
Free cash flow yield 7.08% 8.73% 9.23%

Profitability

Metric CCBG MPB Banks Regional median
Gross margin 88.97% 69.21% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.85% 17.83% 18.82%
Free cash flow margin 21.32% 0.00% 17.97%
Return on equity 11.26% 8.41% 10.28%
Return on assets 1.44% 1.07% 1.13%
Return on invested capital 26.35% 0.00% 8.45%

Growth

Metric CCBG MPB Banks Regional median
Revenue growth (TTM) 1.29% 18.71% 6.37%
EPS growth (last fiscal year) 15.38% (12.07%) 18.85%
Revenue growth, 5-year CAGR 5.70% 22.74% 12.65%
Net income growth, 5-year CAGR 14.28% 16.50% 9.81%

Health

Metric CCBG MPB Banks Regional median
Debt to equity 0.06 0.00 0.17
Current ratio 0.78 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCBG MPB Banks Regional median
Dividend yield 2.12% 3.26% 2.49%
Payout ratio 0.29 0.39 0.29

Size

Metric CCBG MPB Banks Regional median
Market cap 861.60m 869.25m 934.85m

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