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Capital City Bank Group (CCBG) vs NB Bancorp, Inc. (NBBK)

Capital City Bank Group and NB Bancorp, Inc. are both Banks Regional companies. Capital City Bank Group and NB Bancorp, Inc. are of similar size ($899.0M and $861.6M). NB Bancorp, Inc. trades at the lower P/E: 13.2× against 13.8×. NB Bancorp, Inc. grew revenue faster over the last twelve months: 27.9% against 1.29%. Capital City Bank Group has the higher net margin (21.9% vs 0.00%) and the higher return on invested capital (26.4% vs 0.00%). Both pay a dividend; Capital City Bank Group yields more (2.12% vs 1.26%). Across the 17 metrics below, NB Bancorp, Inc. leads on 9 and Capital City Bank Group on 8.

Valuation

Metric CCBG NBBK Banks Regional median
P/E 13.80 13.19 12.02
P/S 3.01 2.11 2.36
P/B 1.51 1.02 1.23
Price to free cash flow 14.12 11.60 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.25% 7.58% 8.21%
Free cash flow yield 7.08% 8.62% 9.23%

Profitability

Metric CCBG NBBK Banks Regional median
Gross margin 88.97% 62.48% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.85% 0.00% 18.82%
Free cash flow margin 21.32% 0.00% 17.97%
Return on equity 11.26% 8.40% 10.28%
Return on assets 1.44% 1.02% 1.13%
Return on invested capital 26.35% 0.00% 8.45%

Growth

Metric CCBG NBBK Banks Regional median
Revenue growth (TTM) 1.29% 27.92% 6.37%
EPS growth (last fiscal year) 15.38% 25.23% 18.85%
Revenue growth, 5-year CAGR 5.70% — 12.65%
Net income growth, 5-year CAGR 14.28% — 9.81%

Health

Metric CCBG NBBK Banks Regional median
Debt to equity 0.06 0.18 0.17
Current ratio 0.78 1.06 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCBG NBBK Banks Regional median
Dividend yield 2.12% 1.26% 2.49%
Payout ratio 0.29 0.17 0.29

Size

Metric CCBG NBBK Banks Regional median
Market cap 861.60m 899.04m 934.85m

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