Capital City Bank Group (CCBG)vsItau Unibanco Banco Holding SA (ITUB)
CCBG
Capital City Bank Group
$45.34
+2.46%
FINANCIAL SERVICES · Cap: $777.43M
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 55154% more annual revenue ($138.19B vs $250.09M). ITUB leads profitability with a 33.3% profit margin vs 24.2%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).
CCBG
Buy57
out of 100
Grade: C
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 33.3%
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
2.2% revenue growth
Smaller company, higher risk/reward
Earnings declined 7.1%
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CCBG
The strongest argument for CCBG centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.2% and operating margin at 33.3%.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : CCBG
The primary concerns for CCBG are PEG Ratio, Revenue Growth, Market Cap.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
CCBG profiles as a value stock while ITUB is a declining play — different risk/reward profiles.
CCBG carries more volatility with a beta of 0.34 — expect wider price swings.
CCBG is growing revenue faster at 2.2% — sustainability is the question.
CCBG generates stronger free cash flow (15M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 57/100), backed by strong 33.3% 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.
Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
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