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Capital City Bank Group (CCBG) vs River City Bank (RCBC)

Capital City Bank Group and River City Bank are both Banks Regional companies. Capital City Bank Group and River City Bank are of similar size ($861.6M and $828.4M). Across the 6 metrics below, Capital City Bank Group leads on 4 and River City Bank on 2.

Valuation

Metric CCBG RCBC Banks Regional median
P/E 13.80 — 12.02
P/S 3.01 n/m 2.36
P/B 1.51 1.53 1.23
Price to free cash flow 14.12 n/m 10.60
EV/EBITDA — n/m —
EV/Sales — n/m —
Earnings yield 7.25% — 8.21%
Free cash flow yield 7.08% 0.00% 9.23%

Profitability

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

Growth

Metric CCBG RCBC Banks Regional median
Revenue growth (TTM) 1.29% — 6.37%
EPS growth (last fiscal year) 15.38% (5.98%) 18.85%
Revenue growth, 5-year CAGR 5.70% — 12.65%
Net income growth, 5-year CAGR 14.28% — 9.81%

Health

Metric CCBG RCBC Banks Regional median
Debt to equity 0.06 0.00 0.17
Current ratio 0.78 0.91 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCBG RCBC Banks Regional median
Dividend yield 2.12% — 2.49%
Payout ratio 0.29 — 0.29

Size

Metric CCBG RCBC Banks Regional median
Market cap 861.60m 828.41m 934.85m

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