Capital City Bank Group, Inc. (CCBG) vs CNB Financial Corporation (CCNE)
A side-by-side comparison of Capital City Bank Group, Inc. and CNB Financial Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CCBG vs CCNE
growth of $100 · dividends reinvested · last 10yCCBG vs CCNE: by the numbers
- •CCNE is the larger company ($1.01B vs $847M market cap).
- •CCNE trades at the lower trailing earnings multiple (10.97 vs 13.76 P/E), one valuation lens rather than an overall verdict.
- •CCBG converts more revenue to profit (22.19% vs 20.46% net margin).
- •CCNE grew revenue faster over the past five years (18.16% vs 4.91% CAGR).
- •CCNE pays the higher dividend yield (2.21% vs 2.17%).
Metrics side by side
Valuation
| Metric | CCBG | CCNE |
|---|---|---|
| P/E ratio | 13.76 | 10.97 |
| Forward P/E | 13.26 | 9.59 |
| PEG ratio | 0.99 | 2.21 |
| P/S ratio | 3.05 | 2.15 |
| P/B ratio | 1.49 | 1.18 |
Profitability
| Metric | CCBG | CCNE |
|---|---|---|
| Operating margin | 30.04% | 23.26% |
| Net margin | 22.19% | 20.46% |
| ROE | 10.83% | 10.56% |
Capital City Bank Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
CNB Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CCBG | CCNE |
|---|---|---|
| Dividend yield | 2.17% | 2.21% |
| Payout ratio | 29.72% | 24.19% |
Growth (annualized)
| Metric | CCBG | CCNE |
|---|---|---|
| Revenue CAGR (5Y) | 4.91% | 18.16% |
| EPS CAGR (5Y) | 13.88% | 4.96% |
| Total return CAGR (5Y) | 17.08% | 10.15% |
Frequently asked
- Which has the lower trailing P/E, CCBG or CCNE?
- CCNE has the lower trailing P/E: CCBG trades at 13.76 and CCNE at 10.97. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CCBG or CCNE?
- Over the past five years, CCNE grew revenue faster — CCBG at a 4.91% CAGR versus CCNE at 18.16%.
- Does CCBG or CCNE pay a bigger dividend?
- CCBG yields 2.17% and CCNE yields 2.21% based on trailing dividends and the latest price.
- Is CCBG or CCNE more profitable?
- CCBG runs the higher net margin — CCBG at 22.19% versus CCNE at 20.46%.
- How have CCBG and CCNE total returns compared?
- Over the past 10 years, CCBG delivered 15.10% and CCNE delivered 8.22% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Capital City Bank & CNB Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.