Capital City Bank Group, Inc. (CCBG) vs Orrstown Financial Services, Inc. (ORRF)
A side-by-side comparison of Capital City Bank Group, Inc. and Orrstown Financial Services, 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 ORRF
growth of $100 · dividends reinvested · last 10yCCBG vs ORRF: by the numbers
- •CCBG is the larger company ($843M vs $812M market cap).
- •ORRF trades at the lower trailing earnings multiple (8.94 vs 13.68 P/E), one valuation lens rather than an overall verdict.
- •ORRF converts more revenue to profit (24.06% vs 22.19% net margin).
- •ORRF grew revenue faster over the past five years (23.41% vs 4.91% CAGR).
- •ORRF pays the higher dividend yield (2.82% vs 2.17%).
Metrics side by side
Valuation
| Metric | CCBG | ORRF |
|---|---|---|
| P/E ratio | 13.68 | 8.94 |
| Forward P/E | 13.19 | 9.57 |
| PEG ratio | 0.99 | 0.76 |
| P/S ratio | 3.03 | 2.26 |
| P/B ratio | 1.48 | 1.31 |
Profitability
| Metric | CCBG | ORRF |
|---|---|---|
| Operating margin | 30.04% | 29.94% |
| Net margin | 22.19% | 24.06% |
| ROE | 10.83% | 13.89% |
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.
Orrstown Financial Services, 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 | ORRF |
|---|---|---|
| Dividend yield | 2.17% | 2.82% |
| Payout ratio | 29.72% | 25.32% |
Growth (annualized)
| Metric | CCBG | ORRF |
|---|---|---|
| Revenue CAGR (5Y) | 4.91% | 23.41% |
| EPS CAGR (5Y) | 13.88% | 11.71% |
| Total return CAGR (5Y) | 17.08% | 15.08% |
Frequently asked
- Which has the lower trailing P/E, CCBG or ORRF?
- ORRF has the lower trailing P/E: CCBG trades at 13.68 and ORRF at 8.94. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CCBG or ORRF?
- Over the past five years, ORRF grew revenue faster — CCBG at a 4.91% CAGR versus ORRF at 23.41%.
- Does CCBG or ORRF pay a bigger dividend?
- CCBG yields 2.17% and ORRF yields 2.82% based on trailing dividends and the latest price.
- Is CCBG or ORRF more profitable?
- ORRF runs the higher net margin — CCBG at 22.19% versus ORRF at 24.06%.
- How have CCBG and ORRF total returns compared?
- Over the past 10 years, CCBG delivered 15.10% and ORRF delivered 10.96% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Capital City Bank & Orrstown Financial Services 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.