Capital City Bank Group (CCBG) vs First Financial Corporation Indiana (THFF)

Capital City Bank Group and First Financial Corporation Indiana are both Banks Regional companies. Capital City Bank Group and First Financial Corporation Indiana are of similar size ($876.8M and $836.5M). First Financial Corporation Indiana trades at the lower P/E: 10.4× against 13.6×. First Financial Corporation Indiana grew revenue faster over the last twelve months: 8.15% against 3.76%. First Financial Corporation Indiana has the higher net margin (23.3% vs 21.4%) and the lower return on invested capital (7.53% vs 41.1%). Both pay a dividend; First Financial Corporation Indiana yields more (3.02% vs 2.18%). Across the 19 metrics below, First Financial Corporation Indiana leads on 15 and Capital City Bank Group on 4.

Valuation

Metric CCBG THFF Banks Regional median
P/E 13.63 10.38 11.98
P/S 2.90 2.42 2.34
P/B 1.47 1.30 1.19
Price to free cash flow 16.18 9.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.33% 9.64% 8.23%
Free cash flow yield 6.18% 10.55% 9.08%

Profitability

Metric CCBG THFF Banks Regional median
Gross margin 88.90% 76.02% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.37% 23.32% 18.66%
Free cash flow margin 17.95% 25.60% 21.11%
Return on equity 11.26% 13.42% 10.65%
Return on assets 1.40% 1.44% 1.13%
Return on invested capital 41.05% 7.53% 8.35%

Growth

Metric CCBG THFF Banks Regional median
Revenue growth (TTM) 3.76% 8.15% 6.98%
EPS growth (last fiscal year) 15.38% 67.00% 18.88%
Revenue growth, 5-year CAGR 5.70% 11.36% 12.38%
Net income growth, 5-year CAGR 14.28% 8.03% 9.71%

Health

Metric CCBG THFF Banks Regional median
Debt to equity 0.06 0.43 0.22
Current ratio 0.79 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCBG THFF Banks Regional median
Dividend yield 2.18% 3.02% 2.57%
Payout ratio 0.30 0.31 0.30

Size

Metric CCBG THFF Banks Regional median
Market cap 836.49m 876.79m 913.33m

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