CAPITAL CITY BANK GROUP INC (CCBG) Fundamental Analysis & Valuation

NASDAQ:CCBG • US1396741050

Current stock price

47.29 USD
+0.46 (+0.98%)
Last:

This CCBG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CCBG Profitability Analysis

1.1 Basic Checks

  • CCBG had positive earnings in the past year.
  • CCBG had a positive operating cash flow in the past year.
  • In the past 5 years CCBG has always been profitable.
  • Each year in the past 5 years CCBG had a positive operating cash flow.
CCBG Yearly Net Income VS EBIT VS OCF VS FCFCCBG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M

1.2 Ratios

  • The Return On Assets of CCBG (1.40%) is better than 84.31% of its industry peers.
  • CCBG's Return On Equity of 11.13% is fine compared to the rest of the industry. CCBG outperforms 70.74% of its industry peers.
Industry RankSector Rank
ROA 1.4%
ROE 11.13%
ROIC N/A
ROA(3y)1.28%
ROA(5y)1.1%
ROE(3y)11.16%
ROE(5y)10.38%
ROIC(3y)N/A
ROIC(5y)N/A
CCBG Yearly ROA, ROE, ROICCCBG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • CCBG's Profit Margin of 24.23% is in line compared to the rest of the industry. CCBG outperforms 42.82% of its industry peers.
  • In the last couple of years the Profit Margin of CCBG has grown nicely.
  • The Operating Margin and Gross Margin are not available for CCBG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.23%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.81%
PM growth 5Y10.26%
GM growth 3YN/A
GM growth 5YN/A
CCBG Yearly Profit, Operating, Gross MarginsCCBG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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2

2. CCBG Health Analysis

2.1 Basic Checks

  • CCBG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CCBG has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CCBG has more shares outstanding
  • Compared to 1 year ago, CCBG has a worse debt to assets ratio.
CCBG Yearly Shares OutstandingCCBG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CCBG Yearly Total Debt VS Total AssetsCCBG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of CCBG is 1.16, which is an excellent value as it means it would take CCBG, only 1.16 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.16, CCBG is doing good in the industry, outperforming 63.30% of the companies in the same industry.
  • CCBG has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.17, CCBG is in line with its industry, outperforming 51.60% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.16
Altman-Z N/A
ROIC/WACCN/A
WACC10.82%
CCBG Yearly LT Debt VS Equity VS FCFCCBG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CCBG Yearly Current Assets VS Current LiabilitesCCBG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CCBG Growth Analysis

3.1 Past

  • CCBG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.38%, which is quite good.
  • CCBG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.28% yearly.
  • Looking at the last year, CCBG shows a quite strong growth in Revenue. The Revenue has grown by 8.13% in the last year.
  • CCBG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.63% yearly.
EPS 1Y (TTM)15.38%
EPS 3Y15.11%
EPS 5Y11.28%
EPS Q2Q%3.9%
Revenue 1Y (TTM)8.13%
Revenue growth 3Y5.05%
Revenue growth 5Y3.63%
Sales Q2Q%6.01%

3.2 Future

  • The Earnings Per Share is expected to grow by 0.15% on average over the next years.
  • CCBG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.47% yearly.
EPS Next Y-1.31%
EPS Next 2Y0.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.79%
Revenue Next 2Y2.47%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CCBG Yearly Revenue VS EstimatesCCBG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
CCBG Yearly EPS VS EstimatesCCBG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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4

4. CCBG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.14, CCBG is valued correctly.
  • The rest of the industry has a similar Price/Earnings ratio as CCBG.
  • When comparing the Price/Earnings ratio of CCBG to the average of the S&P500 Index (27.89), we can say CCBG is valued rather cheaply.
  • The Price/Forward Earnings ratio is 13.31, which indicates a correct valuation of CCBG.
  • CCBG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CCBG is more expensive than 69.41% of the companies in the same industry.
  • CCBG is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.14
Fwd PE 13.31
CCBG Price Earnings VS Forward Price EarningsCCBG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 71.81% of the companies in the same industry are more expensive than CCBG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.13
EV/EBITDA N/A
CCBG Per share dataCCBG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.16
EPS Next 2Y0.15%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CCBG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.34%, CCBG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.58, CCBG has a dividend in line with its industry peers.
  • CCBG's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.34%

5.2 History

  • The dividend of CCBG is nicely growing with an annual growth rate of 11.89%!
  • CCBG has paid a dividend for at least 10 years, which is a reliable track record.
  • CCBG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)11.89%
Div Incr Years11
Div Non Decr Years11
CCBG Yearly Dividends per shareCCBG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 27.72% of the earnings are spent on dividend by CCBG. This is a low number and sustainable payout ratio.
  • The dividend of CCBG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.72%
EPS Next 2Y0.15%
EPS Next 3YN/A
CCBG Yearly Income VS Free CF VS DividendCCBG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M
CCBG Dividend Payout.CCBG Dividend Payout, showing the Payout Ratio.CCBG Dividend Payout.PayoutRetained Earnings

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CCBG Fundamentals: All Metrics, Ratios and Statistics

CAPITAL CITY BANK GROUP INC

NASDAQ:CCBG (4/20/2026, 3:48:30 PM)

47.29

+0.46 (+0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners50.81%
Inst Owner Change1.57%
Ins Owners19.94%
Ins Owner Change1.08%
Market Cap811.02M
Revenue(TTM)254.00M
Net Income(TTM)61.56M
Analysts77.78
Price Target46.41 (-1.86%)
Short Float %2.66%
Short Ratio3.29
Dividend
Industry RankSector Rank
Dividend Yield 2.34%
Yearly Dividend1
Dividend Growth(5Y)11.89%
DP27.72%
Div Incr Years11
Div Non Decr Years11
Ex-Date03-09
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.17%
Min EPS beat(2)-11.54%
Max EPS beat(2)5.2%
EPS beat(4)3
Avg EPS beat(4)8.62%
Min EPS beat(4)-11.54%
Max EPS beat(4)31.16%
EPS beat(8)6
Avg EPS beat(8)6.85%
EPS beat(12)7
Avg EPS beat(12)4.42%
EPS beat(16)8
Avg EPS beat(16)3.67%
Revenue beat(2)1
Avg Revenue beat(2)-1.65%
Min Revenue beat(2)-3.76%
Max Revenue beat(2)0.46%
Revenue beat(4)2
Avg Revenue beat(4)-0.77%
Min Revenue beat(4)-3.76%
Max Revenue beat(4)0.84%
Revenue beat(8)3
Avg Revenue beat(8)-0.91%
Revenue beat(12)4
Avg Revenue beat(12)-1.57%
Revenue beat(16)6
Avg Revenue beat(16)-1.24%
PT rev (1m)2.25%
PT rev (3m)-1.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.58%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.41%
Valuation
Industry RankSector Rank
PE 13.14
Fwd PE 13.31
P/S 3.19
P/FCF 10.13
P/OCF 9.26
P/B 1.47
P/tB 1.75
EV/EBITDA N/A
EPS(TTM)3.6
EY7.61%
EPS(NY)3.55
Fwd EY7.51%
FCF(TTM)4.67
FCFY9.87%
OCF(TTM)5.11
OCFY10.8%
SpS14.81
BVpS32.24
TBVpS27.04
PEG (NY)N/A
PEG (5Y)1.16
Graham Number51.0992 (8.05%)
Profitability
Industry RankSector Rank
ROA 1.4%
ROE 11.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.23%
GM N/A
FCFM 31.51%
ROA(3y)1.28%
ROA(5y)1.1%
ROE(3y)11.16%
ROE(5y)10.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.81%
PM growth 5Y10.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.16
Debt/EBITDA N/A
Cap/Depr 100.97%
Cap/Sales 2.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 130%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC10.82%
ROIC/WACCN/A
Cap/Depr(3y)99.71%
Cap/Depr(5y)101.18%
Cap/Sales(3y)3.25%
Cap/Sales(5y)3.45%
Profit Quality(3y)108.36%
Profit Quality(5y)155.69%
High Growth Momentum
Growth
EPS 1Y (TTM)15.38%
EPS 3Y15.11%
EPS 5Y11.28%
EPS Q2Q%3.9%
EPS Next Y-1.31%
EPS Next 2Y0.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.13%
Revenue growth 3Y5.05%
Revenue growth 5Y3.63%
Sales Q2Q%6.01%
Revenue Next Year1.79%
Revenue Next 2Y2.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y45.8%
FCF growth 3Y13.8%
FCF growth 5YN/A
OCF growth 1Y37.82%
OCF growth 3Y13.08%
OCF growth 5YN/A

CAPITAL CITY BANK GROUP INC / CCBG Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CAPITAL CITY BANK GROUP INC (CCBG) stock?

ChartMill assigns a fundamental rating of 4 / 10 to CCBG.


What is the valuation status of CAPITAL CITY BANK GROUP INC (CCBG) stock?

ChartMill assigns a valuation rating of 4 / 10 to CAPITAL CITY BANK GROUP INC (CCBG). This can be considered as Fairly Valued.


Can you provide the profitability details for CAPITAL CITY BANK GROUP INC?

CAPITAL CITY BANK GROUP INC (CCBG) has a profitability rating of 4 / 10.


What is the valuation of CAPITAL CITY BANK GROUP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CAPITAL CITY BANK GROUP INC (CCBG) is 13.14 and the Price/Book (PB) ratio is 1.47.


What is the earnings growth outlook for CAPITAL CITY BANK GROUP INC?

The Earnings per Share (EPS) of CAPITAL CITY BANK GROUP INC (CCBG) is expected to decline by -1.31% in the next year.