First Financial (THFF) Competitors

First Financial (NASDAQ:THFF) and Capital City Bank Group (NASDAQ:CCBG) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, media sentiment, risk, earnings, dividends, institutional ownership, profitability, valuation and community ranking.

Does the MarketBeat Community favor THFF or CCBG?

First Financial received 116 more outperform votes than Capital City Bank Group when rated by MarketBeat users. Likewise, 61.66% of users gave First Financial an outperform vote while only 54.35% of users gave Capital City Bank Group an outperform vote.

Company	Underperform	Outperform
First Financial	Outperform Votes 341 61.66%	Underperform Votes 212 38.34%
Capital City Bank Group	Outperform Votes 225 54.35%	Underperform Votes 189 45.65%

Does the media favor THFF or CCBG?

In the previous week, First Financial had 1 more articles in the media than Capital City Bank Group. MarketBeat recorded 1 mentions for First Financial and 0 mentions for Capital City Bank Group. First Financial's average media sentiment score of 0.00 equaled Capital City Bank Group'saverage media sentiment score.

Company	Overall Sentiment
First Financial	Neutral
Capital City Bank Group	Neutral

Do analysts rate THFF or CCBG?

First Financial presently has a consensus price target of $43.00, suggesting a potential upside of 9.78%. Capital City Bank Group has a consensus price target of $34.25, suggesting a potential upside of 21.67%. Given Capital City Bank Group's stronger consensus rating and higher possible upside, analysts plainly believe Capital City Bank Group is more favorable than First Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Capital City Bank Group	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

Which has more volatility & risk, THFF or CCBG?

First Financial has a beta of 0.52, suggesting that its stock price is 48% less volatile than the S&P 500. Comparatively, Capital City Bank Group has a beta of 0.53, suggesting that its stock price is 47% less volatile than the S&P 500.

Which has better valuation and earnings, THFF or CCBG?

First Financial has higher revenue and earnings than Capital City Bank Group. First Financial is trading at a lower price-to-earnings ratio than Capital City Bank Group, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Financial	$271.10M	1.71	$60.67M	$4.69	8.35
Capital City Bank Group	$252.68M	1.89	$52.26M	$3.07	9.17

Do institutionals & insiders have more ownership in THFF or CCBG?

72.7% of First Financial shares are owned by institutional investors. Comparatively, 44.6% of Capital City Bank Group shares are owned by institutional investors. 3.7% of First Financial shares are owned by company insiders. Comparatively, 19.4% of Capital City Bank Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Is THFF or CCBG a better dividend stock?

First Financial pays an annual dividend of $1.80 per share and has a dividend yield of 4.6%. Capital City Bank Group pays an annual dividend of $0.84 per share and has a dividend yield of 3.0%. First Financial pays out 38.4% of its earnings in the form of a dividend. Capital City Bank Group pays out 27.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Is THFF or CCBG more profitable?

First Financial has a net margin of 20.16% compared to Capital City Bank Group's net margin of 19.86%. Capital City Bank Group's return on equity of 12.26% beat First Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Financial	20.16%	11.04%	1.15%
Capital City Bank Group	19.86%	12.26%	1.22%

Summary

Capital City Bank Group beats First Financial on 10 of the 19 factors compared between the two stocks.