CCBG vs. LYG

Last updated Jun 3, 2026

CCBG (Capital City Bank Group, Inc.) and LYG (Lloyds Banking Group plc) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, CCBG returned 13.74%/yr vs 7.45%/yr for LYG. At a 0.33 correlation, their price movements are largely independent.

Performance

CCBG vs. LYG - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Capital City Bank Group, Inc. (CCBG) and Lloyds Banking Group plc (LYG). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, CCBG achieves a 6.75% return, which is significantly higher than LYG's 4.96% return. Over the past 10 years, CCBG has outperformed LYG with an annualized return of 13.74%, while LYG has yielded a comparatively lower 7.45% annualized return.

CCBG

• 1D: 0.67%
• 1M: -3.03%
• YTD: 6.75%
• 6M: 8.20%
• 1Y: 23.49%
• 3Y*: 14.53%
• 5Y*: 13.87%
• 10Y*: 13.74%

LYG

• 1D: 0.18%
• 1M: 1.31%
• YTD: 4.96%
• 6M: 7.60%
• 1Y: 32.27%
• 3Y*: 40.62%
• 5Y*: 20.06%
• 10Y*: 7.45%

*Multi-year figures are annualized to reflect compound growth (CAGR)

CCBG vs. LYG - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
CCBG Capital City Bank Group, Inc.	6.75%	19.12%	28.06%	-7.14%	25.82%	10.03%	-17.34%	33.95%	2.49%	13.28%
LYG Lloyds Banking Group plc	4.96%	103.71%	20.30%	14.68%	-9.47%	33.81%	-40.79%	36.81%	-28.35%	30.79%

Correlation

The correlation between CCBG and LYG is 0.28, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.28
Correlation (3Y) Calculated over the trailing 3-year period	0.29
Correlation (5Y) Calculated over the trailing 5-year period	0.33
Correlation (10Y) Calculated over the trailing 10-year period	0.34
Correlation (All Time) Calculated using the full available price history since Nov 28, 2001	0.33

Fundamentals

EPS CCBG : $3.53 LYG : $0.45
PE Ratio CCBG : 12.70 LYG : 12.15
PEG Ratio CCBG : 0.70 LYG : 6.07
PS Ratio CCBG : 2.80 LYG : 0.94
Total Revenue (TTM) CCBG : $274.84M LYG : $65.49B
Gross Profit (TTM) CCBG : $247.12M LYG : $65.49B
EBITDA (TTM) CCBG : $86.20M LYG : $7.17B

Return for Risk

CCBG vs. LYG — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CCBG

CCBG Risk / Return Rank: 68
CCBG Sharpe Ratio Rank: 70
CCBG Sortino Ratio Rank: 63
CCBG Omega Ratio Rank: 62
CCBG Calmar Ratio Rank: 71
CCBG Martin Ratio Rank: 73

LYG

LYG Risk / Return Rank: 70
LYG Sharpe Ratio Rank: 75
LYG Sortino Ratio Rank: 69
LYG Omega Ratio Rank: 67
LYG Calmar Ratio Rank: 68
LYG Martin Ratio Rank: 72

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CCBG vs. LYG - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Capital City Bank Group, Inc. (CCBG) and Lloyds Banking Group plc (LYG). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	CCBG	LYG	Difference
Sharpe ratio Return per unit of total volatility	0.96	1.16	-0.20
Sortino ratio Return per unit of downside risk	1.43	1.72	-0.29
Omega ratio Gain probability vs. loss probability	1.18	1.21	-0.03
Calmar ratio Return relative to maximum drawdown	1.75	1.50	+0.25
Martin ratio Return relative to average drawdown	4.58	4.26	+0.32
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

CCBG vs. LYG - Sharpe Ratio Comparison

The current CCBG Sharpe Ratio is 0.96, which is comparable to the LYG Sharpe Ratio of 1.16. The chart below compares the historical Sharpe Ratios of CCBG and LYG, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	CCBG	LYG	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.96	1.16	-0.20
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.50	0.63	-0.13
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.40	0.20	+0.20
Sharpe Ratio (All Time) Calculated using the full available price history	0.18	-0.03	+0.20

Drawdowns

CCBG vs. LYG - Drawdown Comparison

The maximum CCBG drawdown since its inception was -79.86%, smaller than the maximum LYG drawdown of -94.84%. Use the drawdown chart below to compare losses from any high point for CCBG and LYG.

Drawdown Indicators

	CCBG	LYG	Difference
Max Drawdown Largest peak-to-trough decline	-79.86%	-94.84%	+14.98%
Max Drawdown (1Y) Largest decline over 1 year	-12.94%	-22.72%	+9.78%
Max Drawdown (3Y) Largest decline over 3 years	-22.16%	-22.72%	+0.56%
Max Drawdown (5Y) Largest decline over 5 years	-27.36%	-40.19%	+12.83%
Max Drawdown (10Y) Largest decline over 10 years	-45.20%	-68.72%	+23.52%
Current Drawdown Current decline from peak	-4.61%	-56.62%	+52.01%
Average Drawdown Average peak-to-trough decline	-28.23%	-63.42%	+35.19%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.96%	8.02%	-3.06%

Volatility

CCBG vs. LYG - Volatility Comparison

The current volatility for Capital City Bank Group, Inc. (CCBG) is 4.35%, while Lloyds Banking Group plc (LYG) has a volatility of 10.19%. This indicates that CCBG experiences smaller price fluctuations and is considered to be less risky than LYG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CCBG	LYG	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.35%	10.19%	-5.84%
Volatility (6M) Calculated over the trailing 6-month period	16.18%	21.64%	-5.46%
Volatility (1Y) Calculated over the trailing 1-year period	24.55%	27.88%	-3.33%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	27.73%	32.05%	-4.32%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	34.19%	36.51%	-2.32%

Dividends

CCBG vs. LYG - Dividend Comparison

CCBG's dividend yield for the trailing twelve months is around 2.90%, less than LYG's 3.67% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CCBG Capital City Bank Group, Inc.	2.90%	2.35%	2.40%	2.58%	2.03%	2.35%	2.32%	1.57%	1.38%	1.05%	0.83%	0.85%
LYG Lloyds Banking Group plc	3.67%	3.19%	5.44%	5.23%	4.92%	2.70%	0.00%	5.04%	6.63%	6.81%	5.17%	2.11%

Financials

CCBG vs. LYG - Profitability Comparison

The chart below illustrates the profitability comparison between Capital City Bank Group, Inc. and Lloyds Banking Group plc over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

CCBG - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Capital City Bank Group, Inc. reported a gross profit of 62.04M and revenue of 62.75M. Therefore, the gross margin over that period was 98.9%.

LYG - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Lloyds Banking Group plc reported a gross profit of 5.18B and revenue of 5.18B. Therefore, the gross margin over that period was 100.0%.

CCBG - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Capital City Bank Group, Inc. reported an operating income of 20.67M and revenue of 62.75M, resulting in an operating margin of 32.9%.

LYG - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Lloyds Banking Group plc reported an operating income of 2.03B and revenue of 5.18B, resulting in an operating margin of 39.1%.

CCBG - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Capital City Bank Group, Inc. reported a net income of 15.82M and revenue of 62.75M, resulting in a net margin of 25.2%.

LYG - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Lloyds Banking Group plc reported a net income of 1.53B and revenue of 5.18B, resulting in a net margin of 29.5%.

Frequently Asked Questions

Can I hold both CCBG and LYG in my portfolio?

CCBG and LYG have a correlation of 0.28, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, CCBG or LYG?

LYG has higher volatility (10.19%) compared to CCBG (4.35%). In terms of maximum drawdown, CCBG dropped -79.86% vs LYG's -94.84%.

Which has better risk-adjusted returns?

LYG currently has the higher Sharpe Ratio (1.16 vs 0.96), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.