Capital City Bank Group (NASDAQ:CCBG) vs. Stewardship Financial (NASDAQ:SSFN) Head to Head Survey

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

Analyst Ratings

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

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

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

Valuation and Earnings

This table compares Stewardship Financial and Capital City Bank Group’s top-line revenue, earnings per share (EPS) and valuation.

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

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

Insider and Institutional Ownership

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

Dividends

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

Profitability

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

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

Risk and Volatility

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

Summary

Capital City Bank Group beats Stewardship Financial on 9 of the 13 factors compared between the two stocks.

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.

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.

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