Capital City Bank Group (CCBG)vsICICI Bank Limited (IBN)
CCBG
Capital City Bank Group
$43.02
+0.23%
FINANCIAL SERVICES · Cap: $718.34M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 773684% more annual revenue ($1.92T vs $248.74M). IBN leads profitability with a 27.5% profit margin vs 24.7%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 69/100 (B-).
CCBG
Buy60
out of 100
Grade: C+
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+12.6%
Fair Value
$48.67
Current Price
$43.02
$5.65 discount
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 30.3%
Keeps 25 of every $100 in revenue as profit
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
3.9% revenue growth
4.2% earnings growth
Smaller company, higher risk/reward
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : CCBG
The strongest argument for CCBG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.7% and operating margin at 30.3%.
Bull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : CCBG
The primary concerns for CCBG are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
CCBG carries more volatility with a beta of 0.32 — expect wider price swings.
CCBG is growing revenue faster at 3.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 60/100), backed by strong 27.5% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Capital City Bank Group
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Capital City Bank Group, Inc. is Capital City Bank's financial holding company providing a range of banking and banking-related services to individual and corporate clients. The company is headquartered in Tallahassee, Florida.
ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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