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Stock comparison · Signal date 2026-11-04

CCBG vs ORRF: stock comparison and AI forecast

Capital City Bank Group Inc (CCBG) and Orrstown Financial Services Inc (ORRF) 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

Price
$51.95 +13.4% · 6M
Market Cap
$878M
P/E Ratio
13.7x
Size
small-cap
AI Forecast
Full analysis →
Nasdaq · State Commercial Banks

ORRF Orrstown Financial Services Inc

Market Cap
$864M
P/E Ratio
8.2x
Size
small-cap
AI Forecast
NO CURRENT 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 · ORRF

Key facts

  • CCBG and ORRF have similar market capitalizations ($878M and $864M).
  • ORRF trades at 8.2 times trailing earnings, CCBG at 13.7 times.
  • ORRF turns 33.8% of its revenue into net income, against 24.9% for CCBG.
  • ORRF carries 8.03 times debt per unit of equity, against 6.66 times for CCBG.
  • ORRF yields 2.58% in dividends and CCBG 2.09%.
  • Both companies share the SEC industry classification State Commercial Banks.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricCCBGORRF
Market Cap$878M$864M
P/E Ratio13.74x8.16x
P/B Ratio1.53x1.39x
Dividend Yield2.09%2.58%
EPS$3.73$5.38
Book Value/Share$33.53$31.60
Revenue/Share$14.72$12.98
FCF/Share$3.58$4.36

Profitability & Margins

MetricCCBGORRF
ROE10.9%13.9%
ROA1.4%1.5%
Net Margin24.9%33.8%
EBT Margin32.8%42.0%
Tax Rate24.1%19.6%

Financial Health

MetricCCBGORRF
D/E Ratio6.66x8.03x
Financial Leverage7.66x9.03x

Cash Flow

MetricCCBGORRF
Operating Cash Flow$73M$88M
Free Cash Flow$61M$86M
Capital Spending-$12M-$2M
OCF Growth YoY-15.9%71.2%
FCF Growth YoY-22.6%83.5%
FCF/Sales24.3%33.5%
CapEx/Sales4.8%0.8%

Operational Efficiency

MetricCCBGORRF
Asset Turnover0.06x0.05x
Fixed Assets Turnover3.0x5.1x

Income Statement

MetricCCBGORRF
Total Revenue$252M$255M
Net Income$63M$86M

Dividend & Shareholder Information

MetricCCBGORRF
Dividends Per Share$1.07$1.13
Payout Ratio28.7%21.0%
Shares Outstanding17M20M
Net Income Growth-28.4%99.5%
EPS Growth-10.3%205.7%
FAQ

CCBG vs ORRF: stock comparison and AI forecast

Which is bigger, CCBG or ORRF?

CCBG and ORRF have similar market capitalizations ($878M and $864M).

Which is cheaper on earnings, CCBG or ORRF?

ORRF trades at 8.2 times trailing earnings, CCBG at 13.7 times.

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

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.