COMP <GO>

CCBG vs HSBC // ALTMAN Z-SCORE & DEBT/EQUITY

Capital City Bank Group (NASDAQ) VS. HSBC Holdings plc. (NYSE) • 15-METRIC TALLY: CCBG 5 — HSBC 2

■ METRIC PARITY

LAST: $51.95 (+2.14%) • MKT CAP: $870.4M

balance-sheet

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LAST: $85.91 (+0.57%) • MKT CAP: $293.28B

balance-sheet

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CCBG VS. HSBC) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	CCBG	HSBC	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	11.10%	9.90%	+1.20	CCBG	/roic <GO>
EV/EBITDA & P/E Valuation	—	21.0x	—	TIE	/valuation <GO>
Free Cash Flow Yield	9.14%	2.21%	+6.93	CCBG	/fcf-yield <GO>
Operating Margin	—	13.90%	—	TIE	/operating-margins <GO>
Net Profit Margin	—	10.90%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	23.10%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	1.95%	0.00%	+1.95	CCBG	/dividend-safety <GO>
Altman Z-Score & Debt/Equity ACTIVE	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	8/9	-3.00	HSBC	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	57.9	28.0	+29.90	CCBG	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	0.92	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	13.2x	27.6x	-14.40	CCBG	/forward-pe <GO>
Enterprise Scale & Market Cap	$870.4M	$293.28B	-$292.41B	HSBC	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	CCBG REV	HSBC REV	CCBG GROSS %	HSBC GROSS %	CCBG FCF	HSBC FCF
FY 2025	$1.84B	—	—	—	$80.0M	—
FY 2024	$1.82B	—	—	—	$54.9M	—
FY 2023	$235.2M	—	—	—	$54.8M	—

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

CCBG // BETA —

HSBC // BETA 0.92