Critical Analysis: Capital City Bank Group (NASDAQ:CCBG) versus Carter Bank and Trust (NASDAQ:CARE)
Capital City Bank Group (NASDAQ:CCBG) and Carter Bank and Trust (NASDAQ:CARE) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, analyst recommendations, valuation, profitability, institutional ownership, risk and earnings.
Insider and Institutional Ownership
39.2% of Capital City Bank Group shares are owned by institutional investors. Comparatively, 16.2% of Carter Bank and Trust shares are owned by institutional investors. 20.9% of Capital City Bank Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
This table compares Capital City Bank Group and Carter Bank and Trust’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Capital City Bank Group||17.29%||8.30%||0.85%|
|Carter Bank and Trust||N/A||N/A||N/A|
This is a breakdown of current ratings for Capital City Bank Group and Carter Bank and Trust, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Capital City Bank Group||0||2||1||0||2.33|
|Carter Bank and Trust||0||1||0||0||2.00|
Capital City Bank Group presently has a consensus target price of $27.00, indicating a potential upside of 10.25%. Carter Bank and Trust has a consensus target price of $21.00, indicating a potential upside of 5.00%. Given Capital City Bank Group’s stronger consensus rating and higher probable upside, equities analysts clearly believe Capital City Bank Group is more favorable than Carter Bank and Trust.
Capital City Bank Group pays an annual dividend of $0.44 per share and has a dividend yield of 1.8%. Carter Bank and Trust does not pay a dividend. Capital City Bank Group pays out 33.8% of its earnings in the form of a dividend.
Valuation & Earnings
This table compares Capital City Bank Group and Carter Bank and Trust’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Capital City Bank Group||$150.96 million||2.73||$26.22 million||$1.30||18.84|
|Carter Bank and Trust||$169.01 million||3.11||$11.90 million||N/A||N/A|
Capital City Bank Group has higher earnings, but lower revenue than Carter Bank and Trust.
Capital City Bank Group beats Carter Bank and Trust on 10 of the 13 factors compared between the two stocks.
Capital City Bank Group Company Profile
Capital City Bank Group, Inc. operates as the bank holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients in Florida, Georgia, and Alabama. It offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. The company also provides commercial and residential real estate lending products, as well as fixed-rate and adjustable rate residential mortgage loans; retail credit products, such as personal loans, automobile loans, boat/RV loans, home equity loans, and credit card programs; and institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Its consumer banking services include checking accounts, savings programs, automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, online banking, and mobile banking. In addition, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and offers access to retail securities products, including the U.S. Government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care. As of February 28, 2018, it had 59 banking offices. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.
Carter Bank and Trust Company Profile
Carter Bank & Trust provides a range of retail and commercial banking products and services in Virginia and North Carolina. It accepts checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposit. The company also offers loans, such as secured and unsecured commercial loans; secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments; real estate construction and acquisition loans; and fixed and variable rate mortgage loans. In addition, it provides safe deposit boxes, direct deposit of payroll and social security checks, and automated drafts for various accounts. As of December 31, 2018, the company operated 105 branches. Carter Bank & Trust is headquartered in Martinsville, Virginia.
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