World Acceptance vs Capital City Bank Group

World Acceptance Corp and CAPITAL CITY BANK GROUP INC are compared here, examining their business models, financial performance, and market context in a clear, neutral way for readers. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

WRLD

Metric

CCBG

$662.31M

Market Cap

$750.52M

12.40%

Potential Profit

-8.52%

Hold

Analyst Rating

Buy

Investment Analysis

World Acceptance

WRLD

Pros

World Acceptance Corporation reported revenue growth to $165.3 million in Q4 fiscal 2025 with a 110 basis point yield increase year-over-year.
The company showed improved earnings with EPS on a rolling four-quarter basis increasing to $16.36 after share-based compensation adjustments.
Customer base grew by 3.5% despite tighter lending standards, indicating controlled but positive portfolio growth.

Considerations

Revenue slightly declined by -1.43% in 2024 compared to 2023, indicating some pressure on top-line growth.
The company has a high debt-to-equity ratio of approximately 160%, which may increase financial risk and constrain flexibility.
US consumer finance margins face pressure from regulatory changes, potentially impacting future profitability.

Capital City Bank Group

CCBG

Pros

Capital City Bank Group has a focused regional banking model that supports stable deposit growth and community banking relationships.
The bank benefits from diversified revenue sources including commercial loans, retail banking, and wealth management services.
Solid balance sheet metrics with adequate liquidity and capital ratios support the bank’s lending capacity and regulatory compliance.

Considerations

Exposure to regional economic cyclicality could impact loan demand and credit quality during downturns.
Competitive pressures in the banking sector may compress net interest margins over time.
Potential execution risks related to integration or technology upgrade initiatives could affect near-term operational efficiency.

About The Companies

World Acceptance (WRLD)

World Acceptance Corporation is a finance company focused on providing personal instalment loan solutions. It primarily serves individuals who may have limited access to credit from traditional sources like banks or credit unions. Beyond loans, the company also offers personal tax preparation and filing services. Through its network of approximately 1,000 community-based branches across 16 US states, it has established a significant physical presence. In certain states, it also acts as an agent, marketing various insurance products, such as credit life and health insurance, in connection with its loans. The business model is centred on providing accessible financial products to a specific segment of the consumer market. As with any investment, it's important to remember that capital is at risk and performance is not guaranteed.

Capital City Bank Group (CCBG)

Capital City Bank Group, Inc. is a financial holding company that delivers a broad spectrum of banking and related services through its main subsidiary, Capital City Bank. Catering to both individual and corporate clients, its offerings span traditional deposit and credit services, mortgage banking, asset management, and trust services. The group also provides merchant services, bank cards, and financial advisory, which includes securities brokerage and insurance products. With a strong regional presence, it operates approximately 62 banking offices and over 100 automated teller machines (ATMs) across Florida, Georgia, and Alabama. The business is structured around two key areas: traditional Banking Services and comprehensive Wealth Management Services. This model allows it to serve a wide range of customer financial needs. As with any investment, it's important to remember that the value of shares can fall as well as rise.

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Comparison Snapshot

Investment Analysis

World Acceptance

Pros

Considerations

Capital City Bank Group

Pros

Considerations

About The Companies

Buy WRLD or CCBG in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Educational disclaimer: Should readers treat these notes as investment advice?

Comparison Snapshot

About The Companies