First Commonwealth Financial Corporation (FCF) vs. Capital City Bank Group (CCBG) Head-To-Head Contrast

First Commonwealth Financial Corporation (NYSE: FCF) and Capital City Bank Group (NASDAQ:CCBG) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, risk, dividends, earnings, analyst recommendations, institutional ownership and profitability.

Dividends

First Commonwealth Financial Corporation pays an annual dividend of $0.32 per share and has a dividend yield of 2.5%. Capital City Bank Group pays an annual dividend of $0.28 per share and has a dividend yield of 1.3%. First Commonwealth Financial Corporation pays out 45.1% of its earnings in the form of a dividend. Capital City Bank Group pays out 37.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Profitability

This table compares First Commonwealth Financial Corporation and Capital City Bank Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Commonwealth Financial Corporation 21.61% 9.45% 1.08%
Capital City Bank Group 9.27% 4.49% 0.44%

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for First Commonwealth Financial Corporation and Capital City Bank Group, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Commonwealth Financial Corporation 0 2 4 0 2.67
Capital City Bank Group 1 2 0 0 1.67

First Commonwealth Financial Corporation presently has a consensus price target of $9.13, suggesting a potential downside of 29.65%. Capital City Bank Group has a consensus price target of $23.00, suggesting a potential upside of 10.52%. Given Capital City Bank Group’s higher probable upside, analysts clearly believe Capital City Bank Group is more favorable than First Commonwealth Financial Corporation.

Valuation & Earnings

This table compares First Commonwealth Financial Corporation and Capital City Bank Group’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
First Commonwealth Financial Corporation $276.71 million 4.57 $69.21 million $0.71 18.27
Capital City Bank Group $129.72 million 2.72 $12.55 million $0.74 28.12

First Commonwealth Financial Corporation has higher revenue and earnings than Capital City Bank Group. First Commonwealth Financial Corporation is trading at a lower price-to-earnings ratio than Capital City Bank Group, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

63.1% of First Commonwealth Financial Corporation shares are owned by institutional investors. Comparatively, 31.4% of Capital City Bank Group shares are owned by institutional investors. 1.7% of First Commonwealth Financial Corporation shares are owned by insiders. Comparatively, 26.2% of Capital City Bank Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Volatility and Risk

First Commonwealth Financial Corporation has a beta of 0.99, meaning that its stock price is 1% less volatile than the S&P 500. Comparatively, Capital City Bank Group has a beta of 0.7, meaning that its stock price is 30% less volatile than the S&P 500.

Summary

First Commonwealth Financial Corporation beats Capital City Bank Group on 11 of the 16 factors compared between the two stocks.

First Commonwealth Financial Corporation Company Profile

First Commonwealth Financial Corporation is a financial holding company. The Company, through its subsidiary, First Commonwealth Bank (the Bank), provides a range of consumer and commercial banking services. The Company also provides trust and wealth management services, and offers insurance products through the Bank and its other operating subsidiaries. The Bank is a Pennsylvania bank and trust company. As of December 31, 2016, the Bank operated 105 community banking offices throughout western and central Pennsylvania, 17 community banking offices in Central Ohio and loan production offices in Akron and Cleveland, Ohio. As of December 31, 2016, the Bank also operated a network of 133 automated teller machines (ATMs) at various branch offices and offsite locations. As of December 31, 2016, the Bank operated 122 community banking offices throughout western Pennsylvania and central and northern Ohio, as well as loan production offices in Akron and Cleveland, Ohio.

Capital City Bank Group Company Profile

Capital City Bank Group, Inc. is a financial holding company. The Company provides a range of banking and banking-related services to individual and corporate clients through its subsidiary, Capital City Bank (CCB or the Bank), with banking offices located in Florida, Georgia and Alabama. It operates through commercial banking segment with over four principal services, including Banking Services (CCB), Data Processing Services (Capital City Services Company), Trust and Asset Management Services (Capital City Trust Company) and Brokerage Services (Capital City Banc Investments, Inc.). In addition to its banking subsidiary, the Bank has three subsidiaries, Capital City Trust Company, Capital City Banc Investments, Inc. and Capital City Services Company. As of December 31, 2016, its total loans were $1,572 billion. As of December 31, 2016, the Bank’s total investment securities were $700.1 million. As of December 31, 2016, The Bank’s total deposits are approximately $2.412 million.

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