Capital City Bank Group (NASDAQ:CCBG) and Commerce Bancshares (NASDAQ:CBSH) Stock Analysis


Trading Bancactions (NASDAQ: CBSHGet a rating) and Capital City Bank Group (NASDAQ: CCBGGet a rating) are both finance companies, but which stock is superior? We’ll compare the two companies based on earnings strength, risk, valuation, profitability, dividends, analyst recommendations and institutional ownership.

Risk and Volatility

Commerce Bancshares has a beta of 0.81, indicating that its stock price is 19% less volatile than the S&P 500. By comparison, Capital City Bank Group has a beta of 0.61, indicating that its stock price is its stock is 39% less volatile than the S&P 500.

Dividends

Commerce Bancshares pays an annual dividend of $1.06 per share and has a dividend yield of 1.5%. Capital City Bank Group pays an annual dividend of $0.64 per share and has a dividend yield of 2.0%. Commerce Bancshares pays 27.4% of its profits as a dividend. Capital City Bank Group pays 32.2% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Commerce Bancshares increased its dividend for 1 consecutive year and Capital City Bank Group increased its dividend for 7 consecutive years. Capital City Bank Group is clearly the best dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Commerce Bancshares and Capital City Bank Group, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Bancshares Trading 1 2 0 0 1.67
Capital banking group 0 0 3 0 3.00

Commerce Bancshares currently has a consensus price target of $68.72, suggesting a potential downside of 1.12%. Capital City Bank Group has a consensus price target of $32.83, suggesting a potential upside of 1.37%. Given Capital City Bank Group’s stronger consensus rating and higher likely upside, analysts clearly believe Capital City Bank Group is more favorable than Commerce Bancshares.

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of Commerce Bancshares and Capital City Bank Group.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Bancshares Trading $1.41 billion 5.96 $530.77 million $3.87 17.96
Capital banking group $213.90 million 2.57 $33.40 million $1.99 16.28

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

Profitability

This table compares the net margins, return on equity and return on assets of Commerce Bancshares and Capital City Bank Group.

Net margins Return on equity return on assets
Bancshares Trading 32.88% 14.27% 1.33%
Capital banking group 15.95% 9.14% 0.80%

Institutional and Insider Ownership

67.9% of Commerce Bancshares shares are held by institutional investors. By comparison, 43.8% of Capital City Bank Group’s shares are held by institutional investors. 3.2% of Commerce Bancshares shares are held by insiders. By comparison, 20.8% of Capital City Bank Group shares are held by insiders. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a company will outperform the market over the long term.

Summary

Commerce Bancshares beats Capital City Bank Group on 11 out of 17 factors compared between the two stocks.

About Commerce Bancshares

(Get a rating)

Commerce Bancshares, Inc. operates as a banking holding company for Commerce Bank which provides retail banking, mortgage banking, corporate, investment, trust and asset management products and services to individuals and to businesses in the United States. It operates through three segments: Consumer, Commercial and Wealth. The Consumer segment offers various banking products and services, including consumer deposits; consumer loans, such as automobile, motorcycle, marine, tractor/trailer, recreational vehicle, fixed rate and revolving, and other consumer loans; patient health care funding; real estate loans; indirect financing and other consumer financing; personal mortgage banking services; consumer installment loans; and consumer credit and debit cards. The Commercial segment provides business lending, leasing, international, business and commercial bank cards, securities custody and bond accounting; and commercial products, government deposits and related commercial cash management services, as well as the sale of fixed income securities to correspondent banks, corporations, public institutions, municipalities and individuals. The Wealth segment offers traditional trust and estate planning, advisory and discretionary investment portfolio management, brokerage, and private banking accounts. The Company also offers private equity investment, securities brokerage, insurance agency, specialty lending and leasing services, as well as online and mobile banking. It operates through a network of 287 locations in Missouri, Kansas, Illinois, Oklahoma and Colorado, as well as sales offices. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri.

About Capital City Bank Group

(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.



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