Capital City Bank Group (CCBG) vs Orrstown Financial Services Inc (ORRF)

Capital City Bank Group and Orrstown Financial Services Inc are both Banks Regional companies. Capital City Bank Group and Orrstown Financial Services Inc are of similar size ($843.9M and $823.2M). Orrstown Financial Services Inc trades at the lower P/E: 9.3× against 13.9×. Capital City Bank Group grew revenue faster over the last twelve months: 3.76% against −0.52%. Orrstown Financial Services Inc has the higher net margin (24.0% vs 21.4%) and the lower return on invested capital (14.7% vs 41.1%). Both pay a dividend; Orrstown Financial Services Inc yields more (3.19% vs 3.00%). Across the 20 metrics below, Orrstown Financial Services Inc leads on 16 and Capital City Bank Group on 4.

Valuation

Metric CCBG ORRF Banks Regional median
P/E 13.85 9.30 12.15
P/S 2.95 2.24 2.37
P/B 1.50 1.30 1.21
Price to free cash flow 16.44 9.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.41 1.79 2.27
Earnings yield 7.22% 10.75% 8.11%
Free cash flow yield 6.08% 10.62% 8.98%

Profitability

Metric CCBG ORRF Banks Regional median
Gross margin 88.90% 71.33% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.37% 24.00% 18.66%
Free cash flow margin 17.95% 23.83% 21.18%
Return on equity 11.26% 14.75% 10.64%
Return on assets 1.40% 1.57% 1.13%
Return on invested capital 41.05% 14.67% 8.33%

Growth

Metric CCBG ORRF Banks Regional median
Revenue growth (TTM) 3.76% (0.52%) 6.61%
EPS growth (last fiscal year) 15.38% 182.43% —
Revenue growth, 5-year CAGR 5.70% 22.72% 12.30%
Net income growth, 5-year CAGR 14.28% 25.03% 9.71%

Health

Metric CCBG ORRF Banks Regional median
Debt to equity 0.06 0.01 0.22
Current ratio 0.79 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCBG ORRF Banks Regional median
Dividend yield 3.00% 3.19% 3.75%
Payout ratio 0.23 0.34 0.27

Size

Metric CCBG ORRF Banks Regional median
Market cap 843.86m 823.17m 921.07m

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