Critical Review: Capital City Bank Group (NASDAQ:CCBG) vs. Stewardship Financial (NASDAQ:SSFN)

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Capital City Bank Group (NASDAQ:CCBG) and Stewardship Financial (NASDAQ:SSFN) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their valuation, profitability, dividends, risk, institutional ownership, earnings and analyst recommendations.

Risk and Volatility

Capital City Bank Group has a beta of 0.7, indicating that its share price is 30% less volatile than the S&P 500. Comparatively, Stewardship Financial has a beta of 1.1, indicating that its share price is 10% more volatile than the S&P 500.

Earnings and Valuation

This table compares Capital City Bank Group and Stewardship Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Capital City Bank Group $150.96 million 2.84 $26.22 million $1.30 19.68
Stewardship Financial $39.42 million 3.43 $8.03 million N/A N/A

Capital City Bank Group has higher revenue and earnings than Stewardship Financial.

Profitability

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

Net Margins Return on Equity Return on Assets
Capital City Bank Group 17.63% 8.59% 0.89%
Stewardship Financial 16.94% 8.66% 0.73%

Analyst Ratings

This is a breakdown of current ratings and target prices for Capital City Bank Group and Stewardship Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Capital City Bank Group 0 1 0 0 2.00
Stewardship Financial 0 0 0 0 N/A

Capital City Bank Group currently has a consensus price target of $25.00, suggesting a potential downside of 2.27%. Given Capital City Bank Group’s higher probable upside, research analysts clearly believe Capital City Bank Group is more favorable than Stewardship Financial.

Insider and Institutional Ownership

38.7% of Capital City Bank Group shares are owned by institutional investors. Comparatively, 30.8% of Stewardship Financial shares are owned by institutional investors. 20.9% of Capital City Bank Group shares are owned by company insiders. Comparatively, 10.3% of Stewardship Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Dividends

Capital City Bank Group pays an annual dividend of $0.52 per share and has a dividend yield of 2.0%. Stewardship Financial pays an annual dividend of $0.12 per share and has a dividend yield of 0.8%. Capital City Bank Group pays out 40.0% of its earnings in the form of a dividend.

Summary

Capital City Bank Group beats Stewardship Financial on 9 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.

Stewardship Financial Company Profile

Stewardship Financial Corporation operates as the bank holding company for Atlantic Stewardship Bank that provides various commercial and retail banking products and services for small and medium-sized businesses, professionals, and individuals. The company offers various deposits, such as personal and business checking accounts, time deposits, money market accounts, regular savings accounts, certificates of deposit, and term certificate accounts. It also offers various loans consisting of commercial, consumer, residential real estate and mortgage, home equity, personal, construction, automobile, home improvement, and unsecured loans. The company, through its other subsidiaries, is involved in owning and managing an investment portfolio; and insurance business. It operates through main office in Midland Park, as well 11 branches in Hawthorne, Ridgewood, Montville, Morristown, North Haledon, Pequannock, Waldwick, Wayne, Westwood, and Wyckoff, New Jersey. The company was founded in 1984 and is based in Midland Park, New Jersey.

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