Capital City Bank Group, Inc. (CCBG) vs Financial Institutions, Inc. (FISI)
A side-by-side comparison of Capital City Bank Group, Inc. and Financial Institutions, Inc. 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 FISI
growth of $100 · dividends reinvested · last 10yCCBG vs FISI: by the numbers
- •CCBG is the larger company ($849M vs $782M market cap).
- •FISI trades at the lower trailing earnings multiple (9.84 vs 13.79 P/E), one valuation lens rather than an overall verdict.
- •FISI converts more revenue to profit (26.18% vs 22.19% net margin).
- •FISI grew revenue faster over the past five years (8.78% vs 4.91% CAGR).
- •FISI pays the higher dividend yield (3.20% vs 2.17%).
Metrics side by side
Valuation
| Metric | CCBG | FISI |
|---|---|---|
| P/E ratio | 13.79 | 9.84 |
| Forward P/E | 13.29 | 9.49 |
| PEG ratio | 0.99 | 1.04 |
| P/S ratio | 3.05 | 2.48 |
| P/B ratio | 1.49 | 1.25 |
Profitability
| Metric | CCBG | FISI |
|---|---|---|
| Operating margin | 30.04% | 24.17% |
| Net margin | 22.19% | 26.18% |
| ROE | 10.83% | 12.84% |
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.
Financial Institutions, 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.
Dividends
| Metric | CCBG | FISI |
|---|---|---|
| Dividend yield | 2.17% | 3.20% |
| Payout ratio | 29.72% | 31.44% |
Growth (annualized)
| Metric | CCBG | FISI |
|---|---|---|
| Revenue CAGR (5Y) | 4.91% | 8.78% |
| EPS CAGR (5Y) | 13.88% | 9.68% |
| Total return CAGR (5Y) | 17.08% | 10.04% |
Frequently asked
- Which has the lower trailing P/E, CCBG or FISI?
- FISI has the lower trailing P/E: CCBG trades at 13.79 and FISI at 9.84. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CCBG or FISI?
- Over the past five years, FISI grew revenue faster — CCBG at a 4.91% CAGR versus FISI at 8.78%.
- Does CCBG or FISI pay a bigger dividend?
- CCBG yields 2.17% and FISI yields 3.20% based on trailing dividends and the latest price.
- Is CCBG or FISI more profitable?
- FISI runs the higher net margin — CCBG at 22.19% versus FISI at 26.18%.
- How have CCBG and FISI total returns compared?
- Over the past 10 years, CCBG delivered 15.10% and FISI delivered 8.47% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Capital City Bank & Financial Institutions 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.