Capital City Bank Group, Inc. (CCBG) vs CNB Financial Corporation (CCNEP)
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 CCNEP
growth of $100 · dividends reinvested · last 6yCCBG vs CCNEP: by the numbers
- •CCNEP is the larger company ($1.02B vs $847M market cap).
- •CCNEP trades at the lower trailing earnings multiple (7.91 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).
- •CCNEP grew revenue faster over the past five years (18.16% vs 4.91% CAGR).
- •CCNEP pays the higher dividend yield (7.20% vs 2.17%).
Metrics side by side
Valuation
| Metric | CCBG | CCNEP |
|---|---|---|
| P/E ratio | 13.76 | 7.91 |
| Forward P/E | 13.26 | 6.92 |
| PEG ratio | 0.99 | 1.59 |
| P/S ratio | 3.05 | 2.16 |
| P/B ratio | 1.49 | 1.19 |
Profitability
| Metric | CCBG | CCNEP |
|---|---|---|
| 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 | CCNEP |
|---|---|---|
| Dividend yield | 2.17% | 7.20% |
| Payout ratio | 29.72% | 57.46% |
Growth (annualized)
| Metric | CCBG | CCNEP |
|---|---|---|
| Revenue CAGR (5Y) | 4.91% | 18.16% |
| EPS CAGR (5Y) | 13.88% | 4.96% |
| Total return CAGR (5Y) | 17.08% | 5.00% |
Frequently asked
- Which has the lower trailing P/E, CCBG or CCNEP?
- CCNEP has the lower trailing P/E: CCBG trades at 13.76 and CCNEP at 7.91. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CCBG or CCNEP?
- Over the past five years, CCNEP grew revenue faster — CCBG at a 4.91% CAGR versus CCNEP at 18.16%.
- Does CCBG or CCNEP pay a bigger dividend?
- CCBG yields 2.17% and CCNEP yields 7.20% based on trailing dividends and the latest price.
- Is CCBG or CCNEP more profitable?
- CCBG runs the higher net margin — CCBG at 22.19% versus CCNEP at 20.46%.
- How have CCBG and CCNEP total returns compared?
- Over the past 5 years, CCBG delivered 17.08% and CCNEP delivered 5.00% 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.