Head-To-Head Comparison: Thomasville Bancshares (OTCMKTS:THVB) vs. Capital City Bank Group (NASDAQ:CCBG)

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

Institutional & Insider 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 insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Thomasville Bancshares	N/A	N/A	N/A
Capital City Bank Group	21.01%	11.10%	1.38%

Dividends

Thomasville Bancshares pays an annual dividend of $2.90 per share and has a dividend yield of 2.9%. Capital City Bank Group pays an annual dividend of $1.08 per share and has a dividend yield of 2.3%. Thomasville Bancshares pays out 41.1% of its earnings in the form of a dividend. Capital City Bank Group pays out 30.6% 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.

Analyst Ratings

This is a summary of current recommendations and price targets for Thomasville Bancshares and Capital City Bank Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Thomasville Bancshares	0	0	0	0	0.00
Capital City Bank Group	0	3	1	0	2.25

Capital City Bank Group has a consensus price target of $49.75, indicating a potential upside of 6.83%. Given Capital City Bank Group’s stronger consensus rating and higher probable upside, analysts plainly believe Capital City Bank Group is more favorable than Thomasville Bancshares.

Earnings and Valuation

This table compares Thomasville Bancshares and Capital City Bank Group”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Thomasville Bancshares	$137.59 million	4.61	$44.71 million	$7.05	14.18
Capital City Bank Group	$286.74 million	2.78	$61.56 million	$3.53	13.19

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

Risk and Volatility

Thomasville Bancshares has a beta of 0.22, meaning that its stock price is 78% less volatile than the S&P 500. Comparatively, Capital City Bank Group has a beta of 0.33, meaning that its stock price is 67% less volatile than the S&P 500.

Summary

Capital City Bank Group beats Thomasville Bancshares on 13 of the 17 factors compared between the two stocks.

About Thomasville Bancshares

Thomasville Bancshares, Inc. operates as the bank holding company for Thomasville National Bank that provides a range of banking services to individual and corporate customers primarily in Thomas and Glynn counties, Georgia, Leon County, Florida, and the surrounding counties. The company offers checking and savings accounts; money market accounts; and certificates of deposits. It also provides commercial real estate mortgage loans, such as non-farm and non-residential commercial real estate loans, construction loans for commercial businesses, multifamily loans secured by income producing properties, and farmland; and 1-4 family residential loans, including first mortgage liens, junior liens, and home equity lines. In addition, the company offers commercial, financial, and agricultural loans; consumer loans comprising direct consumer instalment loans, overdrafts, and other revolving credit loans and educational loans; and loans to municipalities and development authorities. Further, it provides trust and money management services. The company was incorporated in 1995 and is based in Thomasville, Georgia.

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.