Capital City Bank Group (CCBG) Competitors

Univest Financial (NASDAQ:UVSP) and Capital City Bank Group (NASDAQ:CCBG) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their valuation, profitability, institutional ownership, risk, earnings, community ranking, dividends, media sentiment and analyst recommendations.

Which has more risk & volatility, UVSP or CCBG?

Univest Financial has a beta of 0.9, indicating that its share price is 10% less volatile than the S&P 500. Comparatively, Capital City Bank Group has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500.

Does the MarketBeat Community believe in UVSP or CCBG?

Capital City Bank Group received 60 more outperform votes than Univest Financial when rated by MarketBeat users. Likewise, 54.30% of users gave Capital City Bank Group an outperform vote while only 51.77% of users gave Univest Financial an outperform vote.

Company	Underperform	Outperform
Univest Financial	Outperform Votes 161 51.77%	Underperform Votes 150 48.23%
Capital City Bank Group	Outperform Votes 221 54.30%	Underperform Votes 186 45.70%

Do analysts rate UVSP or CCBG?

Univest Financial presently has a consensus target price of $27.50, indicating a potential upside of 61.20%. Capital City Bank Group has a consensus target price of $38.00, indicating a potential upside of 31.76%. Given Capital City Bank Group's higher possible upside, equities research analysts clearly believe Univest Financial is more favorable than Capital City Bank Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Univest Financial	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
Capital City Bank Group	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Is UVSP or CCBG more profitable?

Univest Financial has a net margin of 20.85% compared to Univest Financial's net margin of 20.61%. Univest Financial's return on equity of 13.13% beat Capital City Bank Group's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Univest Financial	20.85%	10.66%	1.15%
Capital City Bank Group	20.61%	13.13%	1.19%

Which has higher valuation and earnings, UVSP or CCBG?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Univest Financial	$330.08M	1.52	$78.12M	$2.80	6.09
Capital City Bank Group	$225.98M	2.17	$40.15M	$3.08	9.36

Is UVSP or CCBG a better dividend stock?

Univest Financial pays an annual dividend of $0.84 per share and has a dividend yield of 4.9%. Capital City Bank Group pays an annual dividend of $0.80 per share and has a dividend yield of 2.8%. Univest Financial pays out 30.0% of its earnings in the form of a dividend. Capital City Bank Group pays out 26.0% 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. Univest Financial has raised its dividend for 1 consecutive years and Capital City Bank Group has raised its dividend for 9 consecutive years.

Does the media prefer UVSP or CCBG?

In the previous week, Univest Financial had 2 more articles in the media than Capital City Bank Group. MarketBeat recorded 4 mentions for Univest Financial and 2 mentions for Capital City Bank Group. Univest Financial's average media sentiment score of 1.41 beat Capital City Bank Group's score of 0.96 indicating that Capital City Bank Group is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Univest Financial	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
Capital City Bank Group	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do institutionals and insiders hold more shares of UVSP or CCBG?

73.3% of Univest Financial shares are held by institutional investors. Comparatively, 45.8% of Capital City Bank Group shares are held by institutional investors. 2.1% of Univest Financial shares are held by insiders. Comparatively, 23.2% of Capital City Bank Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Capital City Bank Group beats Univest Financial on 12 of the 20 factors compared between the two stocks.