S&T Bancorp (NASDAQ:STBA) vs. Capital City Bank Group (NASDAQ:CCBG) Head-To-Head Contrast

S&T Bancorp (NASDAQ:STBA) and Capital City Bank Group (NASDAQ:CCBG) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, earnings, valuation, risk, profitability, analyst recommendations and dividends.

Institutional & Insider Ownership

65.2% of S&T Bancorp shares are held by institutional investors. Comparatively, 44.6% of Capital City Bank Group shares are held by institutional investors. 1.2% of S&T Bancorp shares are held by insiders. Comparatively, 19.8% of Capital City Bank Group shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Volatility & Risk

S&T Bancorp has a beta of 0.84, indicating that its share price is 16% less volatile than the S&P 500. Comparatively, Capital City Bank Group has a beta of 0.32, indicating that its share price is 68% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current recommendations and price targets for S&T Bancorp and Capital City Bank Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
S&T Bancorp	0	4	2	1	2.57
Capital City Bank Group	0	3	1	0	2.25

S&T Bancorp currently has a consensus target price of $51.60, suggesting a potential upside of 2.31%. Capital City Bank Group has a consensus target price of $51.75, suggesting a potential upside of 2.53%. Given Capital City Bank Group’s higher probable upside, analysts clearly believe Capital City Bank Group is more favorable than S&T Bancorp.

Dividends

S&T Bancorp pays an annual dividend of $1.48 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 2.1%. S&T Bancorp pays out 39.4% of its earnings in the form of a dividend. Capital City Bank Group pays out 30.0% 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. S&T Bancorp has raised its dividend for 13 consecutive years and Capital City Bank Group has raised its dividend for 11 consecutive years. S&T Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares S&T Bancorp and Capital City Bank Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
S&T Bancorp	24.51%	9.74%	1.42%
Capital City Bank Group	21.37%	11.11%	1.40%

Earnings and Valuation

This table compares S&T Bancorp 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
S&T Bancorp	$415.61 million	4.28	$134.23 million	$3.76	13.41
Capital City Bank Group	$247.41 million	3.49	$61.56 million	$3.60	14.02

S&T Bancorp has higher revenue and earnings than Capital City Bank Group. S&T Bancorp 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.

Summary

S&T Bancorp beats Capital City Bank Group on 13 of the 18 factors compared between the two stocks.

About S&T Bancorp

S&T Bancorp, Inc. is a bank holding company, which engages in the provision of consumer, commercial, and small business banking services. It operates through the following segments: Commercial Real Estate, Commercial and Industrial, Commercial Construction, Business Banking, Consumer Real Estate, and Other Consumer. The Commercial Real Estate segment includes both owner-occupied properties and investment properties for various purposes such as hotels, retail, multifamily and health care. The Commercial and Industrial segment focuses on the companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory or equipment financing. The Commercial Construction segment refers to the finance construction of buildings or other structures, as well as to finance the acquisition and development of raw land for various purposes. The Business Banking segment is made to small businesses that are standard, non-complex products evaluated through a streamlined credit approval process that has been designed to maximize efficiency while maintaining high credit quality standards. The Consumer Real Estate segment offers first and second liens such as 1-4 family residential mortgages, home equity loans and home equity lines of credit. The Other Consumer segment consists of individuals that may be secured by assets other than 1-4 family residences, as well as unsecured loans. The company was founded on March 17, 1983 and is headquartered in Indiana, PA.

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.