Capital City Bank Group (NASDAQ:CCBG – Get Free Report) and Intercorp Financial Services (NYSE:IFS – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, risk, dividends, valuation and analyst recommendations.
Earnings & Valuation
This table compares Capital City Bank Group and Intercorp Financial Services”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Capital City Bank Group | $247.41 million | 3.51 | $61.56 million | $3.66 | 13.88 |
| Intercorp Financial Services | $1.67 billion | 3.13 | $542.25 million | $5.47 | 8.59 |
Intercorp Financial Services has higher revenue and earnings than Capital City Bank Group. Intercorp Financial Services 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
44.6% of Capital City Bank Group shares are owned by institutional investors. 19.8% of Capital City Bank Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Risk and Volatility
Capital City Bank Group has a beta of 0.36, indicating that its stock price is 64% less volatile than the S&P 500. Comparatively, Intercorp Financial Services has a beta of 0.79, indicating that its stock price is 21% less volatile than the S&P 500.
Profitability
This table compares Capital City Bank Group and Intercorp Financial Services’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Capital City Bank Group | 21.85% | 11.18% | 1.42% |
| Intercorp Financial Services | 34.81% | 17.06% | 2.10% |
Analyst Ratings
This is a breakdown of current recommendations and price targets for Capital City Bank Group and Intercorp Financial Services, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Capital City Bank Group | 0 | 3 | 1 | 0 | 2.25 |
| Intercorp Financial Services | 0 | 2 | 1 | 0 | 2.33 |
Capital City Bank Group currently has a consensus price target of $51.75, indicating a potential upside of 1.89%. Intercorp Financial Services has a consensus price target of $62.00, indicating a potential upside of 31.94%. Given Intercorp Financial Services’ stronger consensus rating and higher possible upside, analysts clearly believe Intercorp Financial Services is more favorable than Capital City Bank Group.
Dividends
Capital City Bank Group pays an annual dividend of $1.08 per share and has a dividend yield of 2.1%. Intercorp Financial Services pays an annual dividend of $1.71 per share and has a dividend yield of 3.6%. Capital City Bank Group pays out 29.5% of its earnings in the form of a dividend. Intercorp Financial Services pays out 31.3% 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. Capital City Bank Group has increased its dividend for 11 consecutive years and Intercorp Financial Services has increased its dividend for 1 consecutive years.
Summary
Intercorp Financial Services beats Capital City Bank Group on 10 of the 16 factors compared between the two stocks.
About Capital City Bank Group
Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking- related services to individual and corporate clients. The company 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. It also provides commercial and residential real estate lending products, as well as fixed and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs. In addition, the company offers 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. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail securities products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care, as well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.
About Intercorp Financial Services
Intercorp Financial Services Inc., together with its subsidiaries, offers banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company provides loans, credit facilities, deposits, and current accounts; life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and brokerage and investment management services. It engages in the development, management, operation, and processing of credit and debit cards; facilitation of payments and services through commercial stores; and installation and maintenance of infrastructure for transactions through electronic commerce modality and networks of payment methods processors. The company was incorporated in 1897 and is based in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.
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