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Capital City Bank Group (CCBG) vs SmartFinancial, Inc. (SMBK)

Capital City Bank Group and SmartFinancial, Inc. are both Banks Regional companies. Capital City Bank Group and SmartFinancial, Inc. are of similar size ($861.9M and $836.5M). Capital City Bank Group trades at the lower P/E: 13.6× against 14.9×. SmartFinancial, Inc. grew revenue faster over the last twelve months: 11.1% against 3.76%. Capital City Bank Group has the higher net margin (21.4% vs 17.1%) and the higher return on invested capital (41.1% vs 15.2%). Both pay a dividend; Capital City Bank Group yields more (2.18% vs 0.67%). Across the 19 metrics below, Capital City Bank Group leads on 10 and SmartFinancial, Inc. on 9.

Valuation

Metric CCBG SMBK Banks Regional median
P/E 13.63 14.87 11.98
P/S 2.90 2.55 2.34
P/B 1.47 1.48 1.19
Price to free cash flow 16.18 12.68 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.33% 6.73% 8.23%
Free cash flow yield 6.18% 7.89% 9.08%

Profitability

Metric CCBG SMBK Banks Regional median
Gross margin 88.90% 63.90% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.37% 17.12% 18.66%
Free cash flow margin 17.95% 20.12% 21.11%
Return on equity 11.26% 10.47% 10.65%
Return on assets 1.40% 0.99% 1.13%
Return on invested capital 41.05% 15.22% 8.35%

Growth

Metric CCBG SMBK Banks Regional median
Revenue growth (TTM) 3.76% 11.14% 6.98%
EPS growth (last fiscal year) 15.38% 39.25% 18.88%
Revenue growth, 5-year CAGR 5.70% 19.21% 12.38%
Net income growth, 5-year CAGR 14.28% 15.65% 9.71%

Health

Metric CCBG SMBK Banks Regional median
Debt to equity 0.06 0.17 0.22
Current ratio 0.79 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCBG SMBK Banks Regional median
Dividend yield 2.18% 0.67% 2.57%
Payout ratio 0.30 0.10 0.30

Size

Metric CCBG SMBK Banks Regional median
Market cap 836.49m 861.93m 913.33m

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