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Side-by-side financial analysis
CCBG logo
CCBG
NBTB logo
NBTB
CNOB logo
CNOB
TRMK logo
TRMK
FIS logo
FIS
KO logo
KO
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Stock Comparison

CCBG vs NBTB vs CNOB vs TRMK vs FIS vs KO

Revenue, margins, valuation, and 5-year total return — side by side.

Live fundamentals10-year financials5-year price chart
CCBG
Capital City Bank Group, Inc.

Banks - Regional

Financial ServicesNASDAQ • US
Market Cap$808M
5Y Perf.+124.9%
NBTB
NBT Bancorp Inc.

Banks - Regional

Financial ServicesNASDAQ • US
Market Cap$2.52B
5Y Perf.+56.6%
CNOB
ConnectOne Bancorp, Inc.

Banks - Regional

Financial ServicesNASDAQ • US
Market Cap$1.65B
5Y Perf.+103.3%
TRMK
Trustmark Corporation

Banks - Regional

Financial ServicesNASDAQ • US
Market Cap$2.70B
5Y Perf.+87.2%
FIS
Fidelity National Information Services, Inc.

Information Technology Services

TechnologyNYSE • US
Market Cap$20.26B
5Y Perf.-70.8%
KO
The Coca-Cola Company

Beverages - Non-Alcoholic

Consumer DefensiveNYSE • US
Market Cap$355.61B
5Y Perf.+84.9%

CCBG vs NBTB vs CNOB vs TRMK vs FIS vs KO — Key Financials

Market cap, revenue, margins, and valuation side-by-side.

Company Snapshot
CCBG logoCCBG
NBTB logoNBTB
CNOB logoCNOB
TRMK logoTRMK
FIS logoFIS
KO logoKO
IndustryBanks - RegionalBanks - RegionalBanks - RegionalBanks - RegionalInformation Technology ServicesBeverages - Non-Alcoholic
Market Cap$808M$2.52B$1.65B$2.70B$20.26B$355.61B
Revenue (TTM)$279M$902M$676M$1.16B$11.66B$49.28B
Net Income (TTM)$62M$169M$80M$224M$2.67B$13.70B
Gross Margin87.1%73.6%49.9%64.7%37.6%61.7%
Operating Margin30.0%24.3%16.7%24.2%17.9%29.3%
Forward P/E13.0x11.5x10.0x11.8x6.2x25.3x
Total Debt$93M$327M$1.17B$1.12B$4.01B$45.49B
Cash & Equiv.$62M$185M$92M$668M$599M$10.27B

CCBG vs NBTB vs CNOB vs TRMK vs FIS vs KOLong-Term Stock Performance

Price return indexed to 100 at period start. Dividends excluded.

CCBG
NBTB
CNOB
TRMK
FIS
KO
StockJun 20Jun 26Return
Capital City Bank G… (CCBG)100224.9+124.9%
NBT Bancorp Inc. (NBTB)100156.6+56.6%
ConnectOne Bancorp,… (CNOB)100203.3+103.3%
Trustmark Corporati… (TRMK)100187.2+87.2%
Fidelity National I… (FIS)10029.2-70.8%
The Coca-Cola Compa… (KO)100184.9+84.9%

Price return only. Dividends and distributions are not included.

Quick Verdict: CCBG vs NBTB vs CNOB vs TRMK vs FIS vs KO

Each card shows where this stock fits in a portfolio — not just who wins on paper.

Bottom line: FIS and KO are tied at the top with 2 categories each (6-stock set) — the right choice depends on your priorities. The Coca-Cola Company is the stronger pick specifically for profitability and margin quality and operational efficiency and capital deployment. CCBG, CNOB, and TRMK also each lead in at least one category. This set spans 3 sectors — these stocks serve different portfolio roles, not just different price points.
CCBG
Capital City Bank Group, Inc.
The Banking Pick

CCBG ranks third and is worth considering specifically for long-term compounding and sleep-well-at-night.

  • 257.8% 10Y total return vs TRMK's 127.3%
  • Lower volatility, beta 0.56, Low D/E 16.9%, current ratio 1.24x
  • NIM 3.9% vs CNOB's 2.5%
  • Beta 0.56 vs CNOB's 1.02, lower leverage
Best for: long-term compounding and sleep-well-at-night
NBTB
NBT Bancorp Inc.
The Banking Pick

NBTB is the clearest fit if your priority is income & stability and defensive.

  • Dividend streak 13 yrs, beta 0.76, yield 3.0%
  • Beta 0.76, yield 3.0%, current ratio 1.60x
Best for: income & stability and defensive
CNOB
ConnectOne Bancorp, Inc.
The Banking Pick

CNOB is the clearest fit if your priority is momentum.

  • +45.1% vs FIS's -49.4%
Best for: momentum
TRMK
Trustmark Corporation
The Banking Pick

TRMK is the clearest fit if your priority is growth exposure.

  • Rev growth 34.8%, EPS growth 1.9%
  • 34.8% NII/revenue growth vs KO's 1.9%
Best for: growth exposure
FIS
Fidelity National Information Services, Inc.
The Value Pick

FIS has the current edge in this matchup, primarily because of its strength in valuation efficiency.

  • PEG 0.26 vs KO's 2.26
  • Lower P/E (6.2x vs 25.3x), PEG 0.26 vs 2.26
  • 4.2% yield, 1-year raise streak, vs KO's 2.5%
Best for: valuation efficiency
KO
The Coca-Cola Company
The Quality Compounder

KO is the #2 pick in this set and the best alternative if quality and efficiency is your priority.

  • 27.8% margin vs CNOB's 11.9%
  • 13.1% ROA vs CNOB's 0.6%, ROIC 15.8% vs 3.5%
Best for: quality and efficiency
See the full category breakdown
CategoryWinnerWhy
GrowthTRMK logoTRMK34.8% NII/revenue growth vs KO's 1.9%
ValueFIS logoFISLower P/E (6.2x vs 25.3x), PEG 0.26 vs 2.26
Quality / MarginsKO logoKO27.8% margin vs CNOB's 11.9%
Stability / SafetyCCBG logoCCBGBeta 0.56 vs CNOB's 1.02, lower leverage
DividendsFIS logoFIS4.2% yield, 1-year raise streak, vs KO's 2.5%
Momentum (1Y)CNOB logoCNOB+45.1% vs FIS's -49.4%
Efficiency (ROA)KO logoKO13.1% ROA vs CNOB's 0.6%, ROIC 15.8% vs 3.5%

CCBG vs NBTB vs CNOB vs TRMK vs FIS vs KO — Revenue Breakdown by Segment

How each company's revenue is distributed across its business units

Discover the Fintech Stocks Theme

These companies are key players in the Fintech Stocks ecosystem. See how they stack up against the rest of the sector.

Explore Theme
CCBGCapital City Bank Group, Inc.
FY 2025
Deposit fees
29.7%$22M
Wealth management fees
27.8%$21M
Mortgage Banking Revenues
22.8%$17M
Bank card fees
19.8%$15M
NBTBNBT Bancorp Inc.
FY 2025
Insurance Revenue
100.0%$18M
CNOBConnectOne Bancorp, Inc.

Segment breakdown not available.

TRMKTrustmark Corporation

Segment breakdown not available.

FISFidelity National Information Services, Inc.
FY 2025
Banking Solutions
69.5%$7.3B
Capital Market Solutions
30.5%$3.2B
KOThe Coca-Cola Company
FY 2025
Pacific
84.6%$31.6B
Bottling investments
15.4%$5.7B

CCBG vs NBTB vs CNOB vs TRMK vs FIS vs KO — Financial Metrics

Side-by-side numbers across 6 stocks — who leads on profitability, valuation, growth, and risk.

BEST OVERALLCCBGLAGGINGTRMK

Who Leads Where

CCBG leads in 1 of 6 categories

FIS leads 1 • KO leads 1 • NBTB leads 0 • CNOB leads 0 • TRMK leads 0 • 3 tied

Explore the data ↓
TRMKTrustmark Corporation
0leads
CNOBConnectOne Bancorp, I…
0leads
NBTBNBT Bancorp Inc.
0leads
KOThe Coca-Cola Company
1leads
FISFidelity National Inf…
1leads
CCBGCapital City Bank Gro…
1leads
6 Total Categories

Income & Cash Flow (Last 12 Months)

CCBG leads this category, winning 3 of 6 comparable metrics.

KO is the larger business by revenue, generating $49.3B annually — 176.5x CCBG's $279M. KO is the more profitable business, keeping 27.8% of every revenue dollar as net income compared to CNOB's 11.9%. On growth, FIS holds the edge at +30.1% YoY revenue growth, suggesting stronger near-term business momentum.

MetricCCBG logoCCBGCapital City Bank…NBTB logoNBTBNBT Bancorp Inc.CNOB logoCNOBConnectOne Bancor…TRMK logoTRMKTrustmark Corpora…FIS logoFISFidelity National…KO logoKOThe Coca-Cola Com…
RevenueTrailing 12 months$279M$902M$676M$1.2B$11.7B$49.3B
EBITDAEarnings before interest/tax$89M$241M$122M$323M$4.1B$15.5B
Net IncomeAfter-tax profit$62M$169M$80M$224M$2.7B$13.7B
Free Cash FlowCash after capex$98M$225M$102M$230M$2.8B$12.6B
Gross MarginGross profit ÷ Revenue+87.1%+73.6%+49.9%+64.7%+37.6%+61.7%
Operating MarginEBIT ÷ Revenue+30.0%+24.3%+16.7%+24.2%+17.9%+29.3%
Net MarginNet income ÷ Revenue+22.0%+18.8%+11.9%+19.3%+22.9%+27.8%
FCF MarginFCF ÷ Revenue+35.1%+24.9%+15.1%+19.8%+23.9%+25.5%
Rev. Growth (YoY)Latest quarter vs prior year+30.1%+12.1%
EPS Growth (YoY)Latest quarter vs prior year+20.8%+39.5%+53.1%+5.4%+30.6%+18.2%
CCBG leads this category, winning 3 of 6 comparable metrics.

Valuation Metrics

FIS leads this category, winning 4 of 7 comparable metrics.

At 12.4x trailing earnings, TRMK trades at a 76% valuation discount to FIS's 52.3x P/E. Adjusting for growth (PEG ratio), CCBG offers better value at 0.94x vs KO's 2.43x — a lower PEG means you pay less per unit of expected earnings growth.

MetricCCBG logoCCBGCapital City Bank…NBTB logoNBTBNBT Bancorp Inc.CNOB logoCNOBConnectOne Bancor…TRMK logoTRMKTrustmark Corpora…FIS logoFISFidelity National…KO logoKOThe Coca-Cola Com…
Market CapShares × price$808M$2.5B$1.6B$2.7B$20.3B$355.6B
Enterprise ValueMkt cap + debt − cash$839M$2.7B$2.7B$3.2B$23.7B$390.8B
Trailing P/EPrice ÷ TTM EPS13.09x14.47x22.14x12.41x52.27x27.18x
Forward P/EPrice ÷ next-FY EPS est.13.04x11.54x10.04x11.75x6.24x25.27x
PEG RatioP/E ÷ EPS growth rate0.94x2.06x1.54x2.14x2.43x
EV / EBITDAEnterprise value multiple9.39x11.03x24.17x9.67x6.50x26.39x
Price / SalesMarket cap ÷ Revenue2.89x2.90x2.72x2.41x1.90x7.42x
Price / BookPrice ÷ Book value/share1.46x1.29x1.05x1.31x1.46x10.40x
Price / FCFMarket cap ÷ FCF10.10x11.49x16.31x11.65x7.21x67.15x
FIS leads this category, winning 4 of 7 comparable metrics.

Profitability & Efficiency

KO leads this category, winning 5 of 9 comparable metrics.

KO delivers a 41.1% return on equity — every $100 of shareholder capital generates $41 in annual profit, vs $5 for CNOB. CCBG carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to KO's 1.33x. On the Piotroski fundamental quality scale (0–9), CCBG scores 7/9 vs CNOB's 4/9, reflecting strong financial health.

MetricCCBG logoCCBGCapital City Bank…NBTB logoNBTBNBT Bancorp Inc.CNOB logoCNOBConnectOne Bancor…TRMK logoTRMKTrustmark Corpora…FIS logoFISFidelity National…KO logoKOThe Coca-Cola Com…
ROE (TTM)Return on equity+11.5%+9.5%+5.5%+10.8%+18.4%+41.1%
ROA (TTM)Return on assets+1.4%+1.1%+0.6%+1.2%+7.5%+13.1%
ROICReturn on invested capital+10.3%+7.9%+3.5%+7.1%+6.0%+15.8%
ROCEReturn on capital employed+3.4%+2.4%+1.5%+3.2%+6.6%+17.3%
Piotroski ScoreFundamental quality 0–9774767
Debt / EquityFinancial leverage0.17x0.17x0.74x0.53x0.29x1.33x
Net DebtTotal debt minus cash$31M$142M$1.1B$448M$3.4B$35.2B
Cash & Equiv.Liquid assets$62M$185M$92M$668M$599M$10.3B
Total DebtShort + long-term debt$93M$327M$1.2B$1.1B$4.0B$45.5B
Interest CoverageEBIT ÷ Interest expense2.56x1.05x0.39x0.75x21.16x10.70x
KO leads this category, winning 5 of 9 comparable metrics.

Total Returns (Dividends Reinvested)

Evenly matched — CCBG and CNOB and TRMK each lead in 2 of 6 comparable metrics.

A $10,000 investment in CCBG five years ago would be worth $19,565 today (with dividends reinvested), compared to $3,267 for FIS. Over the past 12 months, CNOB leads with a +45.1% total return vs FIS's -49.4%. The 3-year compound annual growth rate (CAGR) favors TRMK at 29.2% vs FIS's -6.8% — a key indicator of consistent wealth creation.

MetricCCBG logoCCBGCapital City Bank…NBTB logoNBTBNBT Bancorp Inc.CNOB logoCNOBConnectOne Bancor…TRMK logoTRMKTrustmark Corpora…FIS logoFISFidelity National…KO logoKOThe Coca-Cola Com…
YTD ReturnYear-to-date+12.6%+17.6%+26.9%+18.7%-38.9%+20.3%
1-Year ReturnPast 12 months+27.9%+18.3%+45.1%+35.5%-49.4%+17.2%
3-Year ReturnCumulative with dividends+55.7%+48.5%+114.8%+115.6%-18.9%+47.0%
5-Year ReturnCumulative with dividends+95.7%+44.4%+32.8%+56.8%-67.3%+65.6%
10-Year ReturnCumulative with dividends+257.8%+108.5%+139.7%+127.3%-25.6%+121.1%
CAGR (3Y)Annualised 3-year return+15.9%+14.1%+29.0%+29.2%-6.8%+13.7%
Evenly matched — CCBG and CNOB and TRMK each lead in 2 of 6 comparable metrics.

Risk & Volatility

Evenly matched — NBTB and KO each lead in 1 of 2 comparable metrics.

KO is the less volatile stock with a -0.20 beta — it tends to amplify market swings less than CNOB's 1.02 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NBTB currently trades 99.8% from its 52-week high vs FIS's 47.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.

MetricCCBG logoCCBGCapital City Bank…NBTB logoNBTBNBT Bancorp Inc.CNOB logoCNOBConnectOne Bancor…TRMK logoTRMKTrustmark Corpora…FIS logoFISFidelity National…KO logoKOThe Coca-Cola Com…
Beta (5Y)Sensitivity to S&P 5000.56x0.76x1.02x0.82x0.61x-0.20x
52-Week HighHighest price in past year$48.78$48.27$32.87$46.03$82.74$84.04
52-Week LowLowest price in past year$35.94$39.20$21.79$33.39$37.91$65.35
% of 52W HighCurrent price vs 52-week peak+96.6%+99.8%+99.7%+99.7%+47.4%+98.3%
RSI (14)Momentum oscillator 0–10055.863.169.960.130.860.6
Avg Volume (50D)Average daily shares traded77K266K328K330K5.6M12.7M
Evenly matched — NBTB and KO each lead in 1 of 2 comparable metrics.

Analyst Outlook

Evenly matched — FIS and KO each lead in 1 of 2 comparable metrics.

Analyst consensus: CCBG as "Hold", NBTB as "Hold", CNOB as "Buy", TRMK as "Hold", FIS as "Buy", KO as "Buy". Consensus price targets imply 60.4% upside for FIS (target: $63) vs -4.5% for NBTB (target: $46). For income investors, FIS offers the higher dividend yield at 4.16% vs CNOB's 1.93%.

MetricCCBG logoCCBGCapital City Bank…NBTB logoNBTBNBT Bancorp Inc.CNOB logoCNOBConnectOne Bancor…TRMK logoTRMKTrustmark Corpora…FIS logoFISFidelity National…KO logoKOThe Coca-Cola Com…
Analyst RatingConsensus buy/hold/sellHoldHoldBuyHoldBuyBuy
Price TargetConsensus 12-month target$49.50$46.00$34.00$45.50$62.88$86.13
# AnalystsCovering analysts7101193748
Dividend YieldAnnual dividend ÷ price+2.1%+3.0%+1.9%+2.1%+4.2%+2.5%
Dividend StreakConsecutive years of raises111371156
Dividend / ShareAnnual DPS$1.00$1.43$0.63$0.97$1.63$2.04
Buyback YieldShare repurchases ÷ mkt cap0.0%+0.4%+0.1%+3.0%+7.0%+0.2%
Evenly matched — FIS and KO each lead in 1 of 2 comparable metrics.
Key Takeaway

CCBG leads in 1 of 6 categories (Income & Cash Flow). FIS leads in 1 (Valuation Metrics). 3 tied.

Best OverallCapital City Bank Group, In… (CCBG)Leads 1 of 6 categories
Loading custom metrics...

CCBG vs NBTB vs CNOB vs TRMK vs FIS vs KO: Key Questions Answered

10 questions · data-driven answers · updated daily

01

Is CCBG or NBTB or CNOB or TRMK or FIS or KO a better buy right now?

For growth investors, Trustmark Corporation (TRMK) is the stronger pick with 34.

8% revenue growth year-over-year, versus 1. 9% for The Coca-Cola Company (KO). Trustmark Corporation (TRMK) offers the better valuation at 12. 4x trailing P/E (11. 8x forward), making it the more compelling value choice. Analysts rate ConnectOne Bancorp, Inc. (CNOB) a "Buy" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

02

Which has the better valuation — CCBG or NBTB or CNOB or TRMK or FIS or KO?

On trailing P/E, Trustmark Corporation (TRMK) is the cheapest at 12.

4x versus Fidelity National Information Services, Inc. at 52. 3x. On forward P/E, Fidelity National Information Services, Inc. is actually cheaper at 6. 2x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Fidelity National Information Services, Inc. wins at 0. 26x versus The Coca-Cola Company's 2. 26x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

03

Which is the better long-term investment — CCBG or NBTB or CNOB or TRMK or FIS or KO?

Over the past 5 years, Capital City Bank Group, Inc.

(CCBG) delivered a total return of +95. 7%, compared to -67. 3% for Fidelity National Information Services, Inc. (FIS). Over 10 years, the gap is even starker: CCBG returned +257. 8% versus FIS's -25. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

04

Which is safer — CCBG or NBTB or CNOB or TRMK or FIS or KO?

By beta (market sensitivity over 5 years), The Coca-Cola Company (KO) is the lower-risk stock at -0.

20β versus ConnectOne Bancorp, Inc. 's 1. 02β — meaning CNOB is approximately -610% more volatile than KO relative to the S&P 500. On balance sheet safety, Capital City Bank Group, Inc. (CCBG) carries a lower debt/equity ratio of 17% versus 133% for The Coca-Cola Company — giving it more financial flexibility in a downturn.

05

Which is growing faster — CCBG or NBTB or CNOB or TRMK or FIS or KO?

By revenue growth (latest reported year), Trustmark Corporation (TRMK) is pulling ahead at 34.

8% versus 1. 9% for The Coca-Cola Company (KO). On earnings-per-share growth, the picture is similar: The Coca-Cola Company grew EPS 23. 6% year-over-year, compared to -47. 2% for Fidelity National Information Services, Inc.. Over a 3-year CAGR, KO leads at 3. 7% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

06

Which has better profit margins — CCBG or NBTB or CNOB or TRMK or FIS or KO?

The Coca-Cola Company (KO) is the more profitable company, earning 27.

3% net margin versus 3. 6% for Fidelity National Information Services, Inc. — meaning it keeps 27. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CCBG leads at 30. 0% versus 16. 5% for FIS. At the gross margin level — before operating expenses — CCBG leads at 87. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

07

Is CCBG or NBTB or CNOB or TRMK or FIS or KO more undervalued right now?

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Fidelity National Information Services, Inc. (FIS) is the more undervalued stock at a PEG of 0. 26x versus The Coca-Cola Company's 2. 26x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Fidelity National Information Services, Inc. (FIS) trades at 6. 2x forward P/E versus 25. 3x for The Coca-Cola Company — 19. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FIS: 60. 4% to $62. 88.

08

Which pays a better dividend — CCBG or NBTB or CNOB or TRMK or FIS or KO?

All stocks in this comparison pay dividends.

Fidelity National Information Services, Inc. (FIS) offers the highest yield at 4. 2%, versus 1. 9% for ConnectOne Bancorp, Inc. (CNOB).

09

Is CCBG or NBTB or CNOB or TRMK or FIS or KO better for a retirement portfolio?

For long-horizon retirement investors, The Coca-Cola Company (KO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.

20), 2. 5% yield, +121. 1% 10Y return). Both have compounded well over 10 years (KO: +121. 1%, CNOB: +139. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

10

What are the main differences between CCBG and NBTB and CNOB and TRMK and FIS and KO?

These companies operate in different sectors (CCBG (Financial Services) and NBTB (Financial Services) and CNOB (Financial Services) and TRMK (Financial Services) and FIS (Technology) and KO (Consumer Defensive)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: CCBG is a small-cap deep-value stock; NBTB is a small-cap deep-value stock; CNOB is a small-cap quality compounder stock; TRMK is a small-cap high-growth stock; FIS is a mid-cap income-oriented stock; KO is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.

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