Capital City Bank Group (NASDAQ:CCBG) vs. Bar Harbor Bankshares (NYSE:BHB) Critical Review


Capital City Bank Group (NASDAQ:CCBG – Get Rating) and Bar Harbor Bankshares (NYSE:BHB – Get Rating) are both small cap finance companies, but which is the better company? We will compare the two companies based on the strength of their analyst recommendations, earnings, risk, valuation, profitability, institutional ownership and dividends.

Risk and Volatility

Capital City Bank Group has a beta of 0.66, suggesting its stock price is 34% less volatile than the S&P 500. Comparatively, Bar Harbor Bankshares has a beta of 0.85, suggesting its stock price is 15% less volatile than the S&P 500. .

Valuation and benefits

This table compares the gross income, earnings per share (EPS), and valuation of Capital City Bank Group and Bar Harbor Bankshares.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Capital banking group $213.90 million 2.09 $33.40 million $1.92 13.74
Bar Harbor Bankshares $153.07 million 2.42 $39.30 million $2.58 9.57

Bar Harbor Bankshares has lower revenues, but higher profits than Capital City Bank Group. Bar Harbor Bankshares trades 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

43.8% of Capital City Bank Group shares are held by institutional investors. By comparison, 51.3% of Bar Harbor Bankshares’ shares are held by institutional investors. 20.8% of Capital City Bank Group shares are held by insiders of the company. By comparison, 2.1% of Bar Harbor Bankshares shares are held by insiders of the company. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a stock will outperform the market over the long term.

Analyst Notes

This is a summary of recent recommendations and price targets for Capital City Bank Group and Bar Harbor Bankshares, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Capital banking group 0 0 3 0 3.00
Bar Harbor Bankshares 0 0 0 0 N / A

Capital City Bank Group currently has a consensus price target of $31.33, indicating a potential upside of 18.73%. Given Capital City Bank Group’s possible higher upside, equity research analysts clearly believe that Capital City Bank Group is more favorable than Bar Harbor Bankshares.

Dividends

Capital City Bank Group pays an annual dividend of $0.64 per share and has a dividend yield of 2.4%. Bar Harbor Bankshares pays an annual dividend of $1.04 per share and has a dividend yield of 4.2%. Capital City Bank Group pays 33.3% of its profits as a dividend. Bar Harbor Bankshares pays 40.3% of its profits in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Capital City Bank Group has increased its dividend for 7 consecutive years and Bar Harbor Bankshares has increased its dividend for 2 consecutive years.

Profitability

This table compares the net margins, return on equity and return on assets of Capital City Bank Group and Bar Harbor Bankshares.

Net margins Return on equity return on assets
Capital banking group 15.41% 8.98% 0.78%
Bar Harbor Bankshares 25.88% 9.60% 1.08%

Summary

Bar Harbor Bankshares beat Capital City Bank Group on 9 out of 16 factors compared between the two stocks.

Capital City Bank Group Company Profile (Get a rating)

Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank which provides a range of banking and banking-related services to individuals and businesses. The Company offers financing for commercial properties, equipment, inventory and accounts receivable, as well as commercial leasing and letters of credit; cash management services; and merchant credit card transaction processing services. It also offers commercial and residential real estate loan products, as well as fixed and adjustable rate residential mortgage loans; personal, auto, boat/RV and home equity loans; and credit card programs. In addition, the company offers institutional banking services, including personalized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit and term loans to meet the needs of governments. state and local, public schools and colleges, charities, members and nonprofit associations. In addition, it provides consumer banking services including checking accounts, savings programs, ATM/interactive machines, debit/credit cards, night deposit services, safety deposit boxes and online banking services. online and mobile. Additionally, the company provides asset management to individuals through agency, personal trust, IRA and personal investment management accounts; and various retail securities products, such as U.S. government bonds, tax-exempt municipal bonds, stocks, mutual funds, mutual funds, annuities, life insurance, and healthcare long-term health. As of December 31, 2021, it was operating through 57 banking offices and 86 ATMs/ITMs in Florida, Georgia and Alabama. The company was founded in 1895 and is based in Tallahassee, Florida.

Bar Harbor Bankshares Company Profile (Get a rating)

Bar Harbor Bankshares logoBar Harbor Bankshares operates as the holding company of Bar Harbor Bank & Trust which provides commercial banking, lending, retail and wealth management services. It accepts various deposit products, including interest-bearing and non-interest-bearing current accounts, savings accounts, term deposits and money market deposit accounts, as well as certificates of deposit. The Company also offers commercial real estate loans, such as multi-family buildings, commercial constructions and land developments, as well as other categories of commercial real estate; commercial and industrial loans, including loans to commercial and agricultural businesses and tax-exempt entities; residential real estate loans consist of mortgages for 1 to 4 family dwellings; and consumer loans include home equity loans, lines of credit, auto loans and other installment loans. In addition, it offers life insurance, annuity and retirement products, as well as financial planning services; and investment and insurance services for third parties. Additionally, the company provides trust and estate administration, wealth advisory and investment management services to individuals, businesses, non-profit organizations and municipalities; and 401K plan, financial, estate and charitable planning, investment management, family office, municipal and tax services. It operates 53 locations in Maine, New Hampshire and Vermont. The company was founded in 1887 and is based in Bar Harbor, Maine.



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