JPMorgan Chase & Co. (NYSE:JPM – Get Free Report) and Capital City Bank Group (NASDAQ:CCBG – Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, risk, analyst recommendations, earnings, valuation, dividends and institutional ownership.
Profitability
This table compares JPMorgan Chase & Co. and Capital City Bank Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| JPMorgan Chase & Co. | 21.86% | 18.23% | 1.33% |
| Capital City Bank Group | 21.37% | 11.11% | 1.40% |
Dividends
JPMorgan Chase & Co. pays an annual dividend of $6.00 per share and has a dividend yield of 1.7%. Capital City Bank Group pays an annual dividend of $1.08 per share and has a dividend yield of 2.2%. JPMorgan Chase & Co. pays out 25.7% 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. JPMorgan Chase & Co. has increased its dividend for 15 consecutive years and Capital City Bank Group has increased its dividend for 11 consecutive years.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| JPMorgan Chase & Co. | 0 | 12 | 16 | 0 | 2.57 |
| Capital City Bank Group | 0 | 3 | 1 | 0 | 2.25 |
JPMorgan Chase & Co. currently has a consensus target price of $359.96, suggesting a potential upside of 2.94%. Capital City Bank Group has a consensus target price of $51.75, suggesting a potential upside of 3.28%. Given Capital City Bank Group’s higher possible upside, analysts plainly believe Capital City Bank Group is more favorable than JPMorgan Chase & Co..
Insider and Institutional Ownership
71.6% of JPMorgan Chase & Co. shares are held by institutional investors. Comparatively, 44.6% of Capital City Bank Group shares are held by institutional investors. 0.4% of JPMorgan Chase & Co. 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 large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Volatility and Risk
JPMorgan Chase & Co. has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500. Comparatively, Capital City Bank Group has a beta of 0.32, suggesting that its stock price is 68% less volatile than the S&P 500.
Valuation & Earnings
This table compares JPMorgan Chase & Co. and Capital City Bank Group”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| JPMorgan Chase & Co. | $280.35 billion | 3.32 | $57.05 billion | $23.34 | 14.98 |
| Capital City Bank Group | $286.74 million | 2.99 | $61.56 million | $3.60 | 13.92 |
JPMorgan Chase & Co. has higher revenue and earnings than Capital City Bank Group. Capital City Bank Group is trading at a lower price-to-earnings ratio than JPMorgan Chase & Co., indicating that it is currently the more affordable of the two stocks.
Summary
JPMorgan Chase & Co. beats Capital City Bank Group on 13 of the 17 factors compared between the two stocks.
About JPMorgan Chase & Co.
JPMorgan Chase & Co. is a financial holding company, which engages in the provision of financial and investment banking services. It focuses on investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. It operates through the following segments: Consumer and Community Banking (CCB), Commercial and Investment Bank (CIB), Asset and Wealth Management (AWM), and Corporate. The CCB segment originates and services mortgage loans. The CIB segment makes markets and services clients across fixed income, foreign exchange, equities, and commodities. The AWM segment provides initial capital investments in products such as mutual funds and capital invested alongside third-party investors. The Corporate segment manages its liquidity, funding, capital, structural interest rate, and foreign exchange risks. The company was founded in 1799 and is headquartered in New York, NY.
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.
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