Advertisement
CCBG vs ORRF
Which Stock Would AI Choose? Capital City Bank Group (CCBG) vs. Orrstown Financial Services (ORRF) Stock Comparison
Key Takeaways
- Both CCBG and ORRF are regional bank holding companies, but they operate in different geographies and carry distinct growth profiles.
- ORRF currently holds a stronger analyst consensus (Buy) and a lower forward valuation, while CCBG carries a consensus Hold rating.
- CCBG benefits from a low-beta, Florida-focused franchise with a robust CET1 ratio (a measure of a bank's core capital strength), while ORRF is integrating a large acquisition and undergoing a leadership transition.
- Recent relative performance has favored ORRF, which has traded near 52-week highs, whereas CCBG has consolidated below its own highs.
- Dividend yields are broadly comparable, though ORRF's payout has grown faster in recent quarters.
Introduction
Investors evaluating community and regional banks frequently compare companies of similar scale to assess relative value, growth quality, and risk. CCBG (Capital City Bank Group, Inc.) and ORRF (Orrstown Financial Services, Inc.) are two such institutions with comparable market capitalizations yet meaningfully different footprints and trajectories. This stock comparison examines their business models, recent momentum, and market positioning to help both value-oriented investors and traders understand where each franchise stands in the current environment. By focusing on observable data rather than forecasts, the analysis aims to clarify the trade-offs between a stable southeastern lender and a Pennsylvania-based bank navigating post-merger integration.
CCBG Overview and Recent Performance
Capital City Bank Group is a Tallahassee, Florida-based financial holding company operating roughly 63 banking offices across Florida, Georgia, and Alabama. The franchise serves individuals and businesses with commercial and residential lending, treasury management, and wealth management services, with Florida driving the majority of its revenue. With total assets of approximately $4.2 billion and a loan book weighted toward residential real estate, the company emphasizes steady, deposit-rich markets.
In recent market activity, CCBG has consolidated within its 52-week range, supported by consistent earnings and dividend increases. The company's quarterly cash dividend was raised to $0.27 per share, reflecting management's confidence in capital generation. A CET1 ratio (a key regulatory measure of a bank's core capital) near 14% underscores a conservative balance sheet, and recent quarterly earnings have modestly exceeded analyst estimates. Sentiment has been shaped by low share-price volatility (a beta near 0.38) and a consensus Hold rating, with analysts citing stable credit quality but limited near-term catalysts beyond potential small acquisitions.
ORRF Overview and Recent Performance
Orrstown Financial Services is the holding company for Orrstown Bank, headquartered in Harrisburg, Pennsylvania, serving retail, commercial, nonprofit, and government clients. The bank has expanded its footprint through acquisition, most notably its integration of Codorus Valley Bancorp, which significantly increased its scale. Its loan portfolio is more heavily weighted toward commercial real estate, and the company has reported return on average assets (ROA) and return on average equity (ROE) metrics above industry averages in recent quarters.
In recent weeks, ORRF has traded near 52-week highs, aided by improving profitability and a Buy consensus from analysts. Quarterly earnings have repeatedly beaten estimates, and the company has accelerated dividend growth, with a forward yield near 2.9%. Net interest margin (the spread a bank earns between loan interest and deposit costs) has held around 3.9–4.0%, supported partly by purchase-accounting benefits that are expected to gradually run off. A key watch item is leadership: new CEO Adam Metz assumed the role recently, framing 2026 as a transitional year for the franchise.
Trending AI Robots
Traders seeking a systematic edge can explore Tickeron's Trending AI Robots page, which curates the AI trading bots best suited to current market conditions. Tickeron offers hundreds of AI Trading Bots that collectively trade thousands of different tickers, but only a select group earns placement in this featured section. Each bot operates with its own trading style, strategy, timeframe, performance record, and universe of tickers, giving users a range of approaches across both long and short orientations. Because market regimes change, the roster is refined so that only the most relevant bots remain highlighted. Explore the Trending AI Robots to see which strategies are currently leading.
Head-to-Head Comparison
Although both companies are regional bank holding companies with market capitalizations in the $800 million range, their profiles diverge in several respects. CCBG offers a lower-risk, southeastern-focused model with heavy residential exposure, a higher capital cushion, and lower share-price beta, which historically translates to steadier, if slower, performance. Its growth is largely organic, supplemented by the possibility of tuck-in acquisitions.
ORRF, by contrast, presents a more dynamic growth story built on a large merger, faster dividend growth, and stronger earnings momentum, but it carries commercial real estate concentration risk and integration-related uncertainties. On valuation, ORRF trades at a lower forward price-to-earnings multiple and enjoys a Buy consensus versus CCBG's Hold, reflecting greater near-term confidence in its execution. On stability, CCBG's lower beta and conservative capital position make it the more defensive choice. In essence, the comparison pits a stable, low-volatility compounder against a higher-growth, integration-driven regional bank.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely express a modest preference for ORRF in the current environment. The stock's stronger analyst consensus, lower relative valuation, consistent earnings beats, and position near 52-week highs suggest more persistent positive trend alignment. Meanwhile, CCBG demonstrates superior balance-sheet stability and lower volatility, which may appeal to risk-averse strategies even if its momentum and catalysts appear more limited. The AI's tilt toward ORRF is probabilistic rather than definitive, grounded in trend consistency and relative positioning, and would remain sensitive to changes in credit conditions, interest rates, and the outcome of ORRF's leadership transition.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CCBG is a Hold and ORRF is a StrongBuy.
CCBG's RSI Oscillator climbs out of oversold territory
The RSI Oscillator for CCBG moved out of oversold territory on September 24, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 16 similar instances when the indicator left oversold territory. In 10 of the 16 cases the stock moved higher. This puts the odds of a move higher at 62%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on CCBG as a result. In 61 of 108 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 56%.
The Moving Average Convergence Divergence (MACD) for CCBG just turned positive on October 15, 2026. Looking at past instances where CCBG's MACD turned positive, the stock continued to rise in 31 of 52 cases over the following month. The odds of a continued upward trend are 60%.
CCBG moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +2.19% 3-day Advance, the price is estimated to grow further. Considering data from situations where CCBG advanced for three days, in 181 of 311 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
Bearish Trend Analysis
The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where CCBG declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 48%.
CCBG broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for CCBG entered a downward trend on October 21, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 7 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 23 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 31 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 47 (best 1 - 100 worst), indicating steady price growth. CCBG’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 69 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.517) is normal, around the industry mean (1.268). P/E Ratio (13.959) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.830) is also within normal values, averaging (1.190). Dividend Yield (0.021) settles around the average of (0.035) among similar stocks. P/S Ratio (3.472) is also within normal values, averaging (3.738).
ORRF in upward trend: price rose above 50-day moving average on October 20, 2026
ORRF moved above its 50-day moving average on October 20, 2026 date and that indicates a change from a downward trend to an upward trend. In 25 of 39 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 64%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on ORRF as a result. In 45 of 79 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 57%.
The Moving Average Convergence Divergence (MACD) for ORRF just turned positive on October 13, 2026. Looking at past instances where ORRF's MACD turned positive, the stock continued to rise in 27 of 45 cases over the following month. The odds of a continued upward trend are 60%.
Following a +5.27% 3-day Advance, the price is estimated to grow further. Considering data from situations where ORRF advanced for three days, in 177 of 297 cases, the price rose further within the following month. The odds of a continued upward trend are 60%.
Bearish Trend Analysis
The RSI Indicator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 3 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
The 10-day moving average for ORRF crossed bearishly below the 50-day moving average on September 21, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 9 of 12 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 75%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ORRF declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.
ORRF broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for ORRF entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 24 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron SMR rating for this company is 26 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 27 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 43 (best 1 - 100 worst), indicating steady price growth. ORRF’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 49 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.401) is normal, around the industry mean (1.268). P/E Ratio (9.886) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.150) is also within normal values, averaging (1.190). Dividend Yield (0.027) settles around the average of (0.035) among similar stocks. P/S Ratio (3.229) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
CCBG | ORRF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 13 | 10 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 69 Overvalued | 49 Fair valued | |
PROFIT vs RISK RATING 1..100 | 7 | 24 | |
SMR RATING 1..100 | 31 | 26 | |
PRICE GROWTH RATING 1..100 | 47 | 43 | |
P/E GROWTH RATING 1..100 | 23 | 27 | |
SEASONALITY SCORE 1..100 | n/a | 90 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ORRF's Valuation (49) in the Regional Banks industry is in the same range as CCBG (69). This means that ORRF’s stock grew similarly to CCBG’s over the last 12 months.
CCBG's Profit vs Risk Rating (7) in the Regional Banks industry is in the same range as ORRF (24). This means that CCBG’s stock grew similarly to ORRF’s over the last 12 months.
ORRF's SMR Rating (26) in the Regional Banks industry is in the same range as CCBG (31). This means that ORRF’s stock grew similarly to CCBG’s over the last 12 months.
ORRF's Price Growth Rating (43) in the Regional Banks industry is in the same range as CCBG (47). This means that ORRF’s stock grew similarly to CCBG’s over the last 12 months.
CCBG's P/E Growth Rating (23) in the Regional Banks industry is in the same range as ORRF (27). This means that CCBG’s stock grew similarly to ORRF’s over the last 12 months.
| CCBG | ORRF | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 63% | 2 days ago 68% |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 47% |
| Momentum ODDS (%) | 2 days ago 56% | 2 days ago 57% |
| MACD ODDS (%) | 2 days ago 60% | 2 days ago 60% |
| TrendWeek ODDS (%) | 2 days ago 54% | 2 days ago 58% |
| TrendMonth ODDS (%) | 2 days ago 54% | 2 days ago 57% |
| Advances ODDS (%) | 2 days ago 58% | 2 days ago 60% |
| Declines ODDS (%) | 15 days ago 48% | 10 days ago 54% |
| BollingerBands ODDS (%) | 2 days ago 73% | 2 days ago 59% |
| Aroon ODDS (%) | 2 days ago 58% | 2 days ago 56% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
CCBG’s FA Score shows that 3 FA rating(s) are green while ORRF’s FA Score has 3 green FA rating(s).
- CCBG’s FA Score: 3 green, 2 red.
- ORRF’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
CCBG’s TA Score shows that 5 TA indicator(s) are bullish while ORRF’s TA Score has 4 bullish TA indicator(s).
- CCBG’s TA Score: 5 bullish, 4 bearish.
- ORRF’s TA Score: 4 bullish, 6 bearish.
Price Growth
CCBG (@Regional Banks) experienced а +3.29% price change this week, while ORRF (@Regional Banks) price change was +6.82% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.20%. For the same industry, the average monthly price growth was +1.50%, and the average quarterly price growth was +9.03%.
Reported Earning Dates
CCBG is expected to report earnings on Jan 26, 2027.
ORRF is expected to report earnings on Jan 20, 2027.
Industries' Descriptions
@Regional Banks (+2.20% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
Advertisement
CCBG and
Correlation & Price change
A.I.dvisor indicates that over the last year, CCBG has been closely correlated with ORRF. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if CCBG jumps, then ORRF could also see price increases.
| Ticker / NAME | Correlation To CCBG | 1D Price Change % | ||
|---|---|---|---|---|
| CCBG | 100% | +1.92% | ||
| ORRF - CCBG | 80% Closely correlated | +3.33% | ||
| MBWM - CCBG | 79% Closely correlated | +2.91% | ||
| FBIZ - CCBG | 77% Closely correlated | +2.26% | ||
| SRCE - CCBG | 77% Closely correlated | +1.60% | ||
| GSBC - CCBG | 77% Closely correlated | +1.09% | ||
More | ||||
ORRF and
Correlation & Price change
A.I.dvisor indicates that over the last year, ORRF has been closely correlated with WSBC. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if ORRF jumps, then WSBC could also see price increases.
| Ticker / NAME | Correlation To ORRF | 1D Price Change % | ||
|---|---|---|---|---|
| ORRF | 100% | +3.33% | ||
| WSBC - ORRF | 84% Closely correlated | +3.93% | ||
| FMBH - ORRF | 83% Closely correlated | +2.76% | ||
| HBNC - ORRF | 82% Closely correlated | +1.99% | ||
| MBWM - ORRF | 82% Closely correlated | +2.91% | ||
| BUSE - ORRF | 82% Closely correlated | +2.89% | ||
More | ||||