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Stock comparison · Signal date 2026-11-06

CCBG vs FMNB: stock comparison and AI forecast

Capital City Bank Group Inc (CCBG) and Farmers National Banc Corp /Oh/ (FMNB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market

Share
Nasdaq · State Commercial Banks

CCBG Capital City Bank Group Inc

Market Cap
$862M
P/E Ratio
13.5x
Size
small-cap
AI Forecast
Full analysis →
Nasdaq · State Commercial Banks

FMNB Farmers National Banc Corp /Oh/

Market Cap
$920M
P/E Ratio
10.6x
Size
small-cap
AI Forecast
Full analysis →
Model output

Which one does the AI model favor?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

CCBG · FMNB

Key facts

  • CCBG and FMNB have similar market capitalizations ($862M and $920M).
  • FMNB trades at 10.6 times trailing earnings, CCBG at 13.5 times.
  • CCBG turns 24.9% of its revenue into net income, against 20.5% for FMNB.
  • FMNB carries 8.11 times debt per unit of equity, against 6.66 times for CCBG.
  • FMNB yields 3.17% in dividends and CCBG 2.12%.
  • Both companies share the SEC industry classification State Commercial Banks.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricCCBGFMNB
Market Cap$862M$920M
P/E Ratio13.49x10.56x
P/B Ratio1.50x1.17x
Dividend Yield2.12%3.17%
EPS$3.73$1.47
Book Value/Share$33.53$13.23
Revenue/Share$14.72$5.46
FCF/Share$3.58$1.02

Profitability & Margins

MetricCCBGFMNB
ROE10.9%8.5%
ROA1.4%0.9%
Net Margin24.9%20.5%
EBT Margin32.8%24.6%
Tax Rate24.1%16.5%

Financial Health

MetricCCBGFMNB
D/E Ratio6.66x8.11x
Financial Leverage7.66x9.11x

Cash Flow

MetricCCBGFMNB
Operating Cash Flow$73M$64M
Free Cash Flow$61M$61M
Capital Spending-$12M-$4M
OCF Growth YoY-15.9%-3.3%
FCF Growth YoY-22.6%–
FCF/Sales24.3%18.7%
CapEx/Sales4.8%1.2%

Operational Efficiency

MetricCCBGFMNB
Asset Turnover0.06x0.05x
Fixed Assets Turnover3.0x4.2x

Income Statement

MetricCCBGFMNB
Total Revenue$252M$324M
Net Income$63M$66M

Dividend & Shareholder Information

MetricCCBGFMNB
Dividends Per Share$1.07$0.49
Payout Ratio28.7%33.3%
Shares Outstanding17M59M
Net Income Growth-28.4%31.7%
EPS Growth-10.3%14.8%
FAQ

CCBG vs FMNB: stock comparison and AI forecast

Which is bigger, CCBG or FMNB?

CCBG and FMNB have similar market capitalizations ($862M and $920M).

Which is cheaper on earnings, CCBG or FMNB?

FMNB trades at 10.6 times trailing earnings, CCBG at 13.5 times.

Which one does Intratio's AI model rank higher, CCBG or FMNB?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.