Origin Bancorp (NYSE:OBK) & Capital City Bank Group (NASDAQ:CCBG) Head to Head Comparison

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

Analyst Ratings

This is a breakdown of recent ratings for Origin Bancorp and Capital City Bank Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Origin Bancorp	0	3	5	0	2.62
Capital City Bank Group	0	3	1	0	2.25

Origin Bancorp currently has a consensus price target of $58.00, suggesting a potential upside of 9.82%. Capital City Bank Group has a consensus price target of $51.75, suggesting a potential upside of 5.05%. Given Origin Bancorp’s stronger consensus rating and higher possible upside, research analysts plainly believe Origin Bancorp is more favorable than Capital City Bank Group.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Origin Bancorp	16.26%	7.97%	1.00%
Capital City Bank Group	21.37%	11.11%	1.40%

Dividends

Origin Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.9%. Capital City Bank Group pays an annual dividend of $1.08 per share and has a dividend yield of 2.2%. Origin Bancorp pays out 31.2% 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. Origin Bancorp has raised its dividend for 4 consecutive years and 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.

Earnings and Valuation

This table compares Origin Bancorp and Capital City Bank Group”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Origin Bancorp	$597.80 million	2.73	$75.20 million	$3.20	16.50
Capital City Bank Group	$247.41 million	3.41	$61.56 million	$3.60	13.68

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

Volatility & Risk

Origin Bancorp has a beta of 0.74, suggesting that its stock price is 26% less volatile than the S&P 500. Comparatively, Capital City Bank Group has a beta of 0.36, suggesting that its stock price is 64% less volatile than the S&P 500.

Institutional and Insider Ownership

54.7% of Origin Bancorp shares are held by institutional investors. Comparatively, 44.6% of Capital City Bank Group shares are held by institutional investors. 5.3% of Origin Bancorp shares are held by company insiders. Comparatively, 19.8% 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 company will outperform the market over the long term.

Summary

Capital City Bank Group beats Origin Bancorp on 9 of the 17 factors compared between the two stocks.

About Origin Bancorp

Origin Bancorp, Inc. operates as a bank holding company for Origin Bank that provides banking and financial services to small and medium-sized businesses, municipalities, high net worth individuals, and retail clients in Texas, Louisiana, and Mississippi. It offers noninterest and interest-bearing checking accounts, savings deposits, money market accounts, and time deposits; and offers commercial real estate, construction and land development, consumer, residential real estate, commercial and industrial, mortgage warehouse, residential mortgage, and paycheck protection program loans. The company also offers personal and commercial property, and casualty insurance products; and Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit box, U.S. savings bonds, and automatic account transfer services; and treasury management, mortgage origination and servicing facilities, peer-to-peer electronic pay solutions, and personal financial management solutions. As of December 31, 2021, it operated 44 banking centers. The company was founded in 1912 and is headquartered in Ruston, Louisiana.

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.