Which has the lower trailing P/E, CCBG or SPFI?

SPFI has the lower trailing P/E: CCBG trades at 13.68 and SPFI at 11.65. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CCBG or SPFI?

Over the past five years, SPFI grew revenue faster — CCBG at a 4.91% CAGR versus SPFI at 5.08%.

Does CCBG or SPFI pay a bigger dividend?

CCBG yields 2.17% and SPFI yields 1.58% based on trailing dividends and the latest price.

Is CCBG or SPFI more profitable?

CCBG runs the higher net margin — CCBG at 22.19% versus SPFI at 21.48%.

How have CCBG and SPFI total returns compared?

Over the past 5 years, CCBG delivered 17.08% and SPFI delivered 13.77% annualized total return. Past performance doesn't predict future results.

Capital City Bank Group, Inc. (CCBG) vs South Plains Financial, Inc. (SPFI)

A side-by-side comparison of Capital City Bank Group, Inc. and South Plains Financial, 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.

CCBG

Capital City Bank Group, Inc.

$843M

$49.26Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

SPFI

South Plains Financial, Inc.

$819M

$42.76Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — CCBG vs SPFI

growth of $100 · dividends reinvested · last 7y

CCBG +154.8% (+14.3%/yr)SPFI +169.7% (+15.2%/yr)SPFI compounded faster over this window

CCBG SPFI

CCBG vs SPFI: by the numbers

•CCBG is the larger company ($843M vs $819M market cap).
•SPFI trades at the lower trailing earnings multiple (11.65 vs 13.68 P/E), one valuation lens rather than an overall verdict.
•CCBG converts more revenue to profit (22.19% vs 21.48% net margin).
•SPFI grew revenue faster over the past five years (5.08% vs 4.91% CAGR).
•CCBG pays the higher dividend yield (2.17% vs 1.58%).

Metrics side by side

Valuation

Metric	CCBG	SPFI
P/E ratio	13.68	11.65
Forward P/E	13.19	10.96
PEG ratio	0.99	1.79
P/S ratio	3.03	2.70
P/B ratio	1.48	1.30

Profitability

Metric	CCBG	SPFI
Operating margin	30.04%	27.18%
Net margin	22.19%	21.48%
ROE	10.83%	10.34%

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.

South Plains Financial, 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	SPFI
Dividend yield	2.17%	1.58%
Payout ratio	29.72%	18.53%

Growth (annualized)

Metric	CCBG	SPFI
Revenue CAGR (5Y)	4.91%	5.08%
EPS CAGR (5Y)	13.88%	7.48%
Total return CAGR (5Y)	17.08%	13.77%

Frequently asked

Which has the lower trailing P/E, CCBG or SPFI?: SPFI has the lower trailing P/E: CCBG trades at 13.68 and SPFI at 11.65. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CCBG or SPFI?: Over the past five years, SPFI grew revenue faster — CCBG at a 4.91% CAGR versus SPFI at 5.08%.
Does CCBG or SPFI pay a bigger dividend?: CCBG yields 2.17% and SPFI yields 1.58% based on trailing dividends and the latest price.
Is CCBG or SPFI more profitable?: CCBG runs the higher net margin — CCBG at 22.19% versus SPFI at 21.48%.
How have CCBG and SPFI total returns compared?: Over the past 5 years, CCBG delivered 17.08% and SPFI delivered 13.77% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CCBG analysis Full SPFI analysis Interactive comparison tool

Dig into the metrics

Capital City Bank P/E ratio South Plains Financial P/E ratio Capital City Bank dividend yield South Plains Financial dividend yield Capital City Bank ROE South Plains Financial ROE Capital City Bank operating margin South Plains Financial operating margin Capital City Bank revenue growth South Plains Financial revenue growth

Capital City Bank & South Plains Financial appear in these rankings

Highest Dividend Yield Stocks Highest Operating Margin Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

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.