Eagle Financial Services (NASDAQ:EFSI – Get Free Report) and Capital City Bank Group (NASDAQ:CCBG – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their risk, institutional ownership, analyst recommendations, earnings, profitability, dividends and valuation.

This table compares Eagle Financial Services and Capital City Bank Group”s revenue, earnings per share and valuation.

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

This is a breakdown of current ratings and recommmendations for Eagle Financial Services and Capital City Bank Group, as reported by MarketBeat.

Eagle Financial Services currently has a consensus price target of $39.50, suggesting a potential upside of 9.42%. Capital City Bank Group has a consensus price target of $45.00, suggesting a potential upside of 10.19%. Given Capital City Bank Group’s stronger consensus rating and higher probable upside, analysts clearly believe Capital City Bank Group is more favorable than Eagle Financial Services.

0.3% of Eagle Financial Services shares are owned by institutional investors. Comparatively, 44.6% of Capital City Bank Group shares are owned by institutional investors. 8.7% of Eagle Financial Services shares are owned by company insiders. Comparatively, 19.6% of Capital City Bank Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

This table compares Eagle Financial Services and Capital City Bank Group’s net margins, return on equity and return on assets.

Eagle Financial Services pays an annual dividend of $1.24 per share and has a dividend yield of 3.4%. Capital City Bank Group pays an annual dividend of $1.04 per share and has a dividend yield of 2.5%. Eagle Financial Services pays out 55.6% of its earnings in the form of a dividend. Capital City Bank Group pays out 29.1% 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. Eagle Financial Services has raised its dividend for 14 consecutive years and Capital City Bank Group has raised its dividend for 11 consecutive years. Eagle Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Eagle Financial Services has a beta of 0.28, meaning that its share price is 72% less volatile than the S&P 500. Comparatively, Capital City Bank Group has a beta of 0.39, meaning that its share price is 61% less volatile than the S&P 500.

Capital City Bank Group beats Eagle Financial Services on 13 of the 17 factors compared between the two stocks.