Head-To-Head Analysis: Mizuho Financial Group (NYSE:MFG) vs. Capital City Bank Group (NASDAQ:CCBG)

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

Profitability

This table compares Capital City Bank Group and Mizuho Financial Group’s 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%
Mizuho Financial Group	17.15%	12.82%	0.49%

Dividends

Capital City Bank Group pays an annual dividend of $1.08 per share and has a dividend yield of 2.1%. Mizuho Financial Group pays an annual dividend of $0.14 per share and has a dividend yield of 1.4%. Capital City Bank Group pays out 29.5% of its earnings in the form of a dividend. Mizuho Financial Group pays out 17.1% 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 raised its dividend for 11 consecutive years. Capital City Bank Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Recommendations

This is a summary of recent ratings and price targets for Capital City Bank Group and Mizuho Financial Group, 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
Mizuho Financial Group	0	0	1	0	3.00

Capital City Bank Group currently has a consensus price target of $51.75, indicating a potential upside of 1.01%. Given Capital City Bank Group’s higher possible upside, analysts plainly believe Capital City Bank Group is more favorable than Mizuho Financial Group.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Capital City Bank Group	$286.74 million	3.06	$61.56 million	$3.66	14.00
Mizuho Financial Group	$60.35 billion	1.98	$7.64 billion	$0.82	11.80

Mizuho Financial Group has higher revenue and earnings than Capital City Bank Group. Mizuho Financial Group 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 & Institutional Ownership

44.6% of Capital City Bank Group shares are owned by institutional investors. Comparatively, 3.3% of Mizuho Financial Group shares are owned by institutional investors. 19.8% of Capital City Bank Group shares are owned by company insiders. Comparatively, 0.0% of Mizuho Financial 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, suggesting that its stock price is 64% less volatile than the S&P 500. Comparatively, Mizuho Financial Group has a beta of 0.48, suggesting that its stock price is 52% less volatile than the S&P 500.

Summary

Capital City Bank Group beats Mizuho Financial 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 Mizuho Financial Group

Mizuho Financial Group, Inc., together with its subsidiaries, engages in banking, trust, securities, and other businesses related to financial services in Japan, the Americas, Europe, Asia/Oceania, and internationally. It operates through Retail & Business Banking Company, Corporate & Institutional Company, Global Corporate Company, Global Markets Company, Asset Management Company, and Others segments. The company provides deposit products; syndicated, housing, and card loans; business matching services; and advisory services related to overseas expansions, and mergers and acquisitions-related services. It also offers consulting services, including asset management and asset succession; payroll services; and sells lottery tickets issued by prefectures and ordinance-designated cities. In addition, it offers fund management, underwriting of equity and bonds, risk hedging products, etc. for corporate customers; solutions based on capital management, business strategy, and financial strategy; real estate services; advisory services and solutions, such as advice on proposals on various investment products to financial institutions; and financial services that include funding support and public bonds underwriting. Further, the company offers corporate finance and transaction banking srvices; sales and trading services; investment products; pension funds; and ALM and investment services, including stable capital raising and balance sheet management, as well as management of fixed income, equity, and other securities portfolios. Additionally, the company provides online banking, cash management solutions, currency transaction, trade finance, custody, yen correspondence settlement, and research and consulting services; trust, securitization and structured finance, and stock transfers; and private banking and information technology-related services. Mizuho Financial Group, Inc. was founded in 2000 and is headquartered in Tokyo, Japan.