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CAPITAL CITY BANK GROUP INC (CCBG) Stock Fundamental Analysis

NASDAQ:CCBG - Nasdaq - US1396741050 - Common Stock - Currency: USD

39.11  +0.3 (+0.77%)

After market: 39.11 0 (0%)

Fundamental Rating

4

Overall CCBG gets a fundamental rating of 4 out of 10. We evaluated CCBG against 395 industry peers in the Banks industry. There are concerns on the financial health of CCBG while its profitability can be described as average. CCBG has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year CCBG was profitable.
In the past year CCBG had a positive cash flow from operations.
Each year in the past 5 years CCBG has been profitable.
CCBG had a positive operating cash flow in 4 of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

The Return On Assets of CCBG (1.28%) is better than 82.03% of its industry peers.
CCBG has a better Return On Equity (11.16%) than 78.99% of its industry peers.
Industry RankSector Rank
ROA 1.28%
ROE 11.16%
ROIC N/A
ROA(3y)1.11%
ROA(5y)0.99%
ROE(3y)10.77%
ROE(5y)10%
ROIC(3y)N/A
ROIC(5y)N/A
CCBG Yearly ROA, ROE, ROICCCBG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of CCBG (23.85%) is comparable to the rest of the industry.
CCBG's Profit Margin has improved in the last couple of years.
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) 23.85%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.37%
PM growth 5Y2.72%
GM growth 3YN/A
GM growth 5YN/A
CCBG Yearly Profit, Operating, Gross MarginsCCBG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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3

2. Health

2.1 Basic Checks

CCBG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CCBG remains at a similar level compared to 1 year ago.
The number of shares outstanding for CCBG has been increased compared to 5 years ago.
CCBG has a better debt/assets ratio than last year.
CCBG Yearly Shares OutstandingCCBG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
CCBG Yearly Total Debt VS Total AssetsCCBG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

CCBG has a debt to FCF ratio of 1.45. This is a very positive value and a sign of high solvency as it would only need 1.45 years to pay back of all of its debts.
CCBG's Debt to FCF ratio of 1.45 is fine compared to the rest of the industry. CCBG outperforms 62.53% of its industry peers.
CCBG has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of CCBG (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.45
Altman-Z N/A
ROIC/WACCN/A
WACC11.6%
CCBG Yearly LT Debt VS Equity VS FCFCCBG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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4

3. Growth

3.1 Past

CCBG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.77%, which is quite good.
The Earnings Per Share has been growing by 11.26% on average over the past years. This is quite good.
CCBG shows a small growth in Revenue. In the last year, the Revenue has grown by 3.56%.
Measured over the past years, CCBG shows a quite strong growth in Revenue. The Revenue has been growing by 8.48% on average per year.
EPS 1Y (TTM)9.77%
EPS 3Y13.75%
EPS 5Y11.26%
EPS Q2Q%33.78%
Revenue 1Y (TTM)3.56%
Revenue growth 3Y3.74%
Revenue growth 5Y8.48%
Sales Q2Q%8.86%

3.2 Future

The Earnings Per Share is expected to grow by 2.81% on average over the next years.
The Revenue is expected to grow by 5.07% on average over the next years.
EPS Next Y10.17%
EPS Next 2Y2.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.65%
Revenue Next 2Y5.07%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CCBG Yearly Revenue VS EstimatesCCBG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
CCBG Yearly EPS VS EstimatesCCBG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.61 indicates a reasonable valuation of CCBG.
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 (26.98), we can say CCBG is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.86, the valuation of CCBG can be described as reasonable.
CCBG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CCBG is more expensive than 66.58% of the companies in the same industry.
CCBG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.49, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.61
Fwd PE 11.86
CCBG Price Earnings VS Forward Price EarningsCCBG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CCBG's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.76
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

CCBG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.14
PEG (5Y)1.03
EPS Next 2Y2.81%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.47%, CCBG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.47, CCBG is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.42, CCBG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.47%

5.2 History

The dividend of CCBG is nicely growing with an annual growth rate of 12.97%!
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)12.97%
Div Incr Years10
Div Non Decr Years10
CCBG Yearly Dividends per shareCCBG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

26.99% of the earnings are spent on dividend by CCBG. This is a low number and sustainable payout ratio.
CCBG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP26.99%
EPS Next 2Y2.81%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M
CCBG Dividend Payout.CCBG Dividend Payout, showing the Payout Ratio.CCBG Dividend Payout.PayoutRetained Earnings

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CAPITAL CITY BANK GROUP INC

NASDAQ:CCBG (6/27/2025, 8:00:02 PM)

After market: 39.11 0 (0%)

39.11

+0.3 (+0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/bmo
Earnings (Next)07-21 2025-07-21/bmo
Inst Owners47.85%
Inst Owner Change-1.03%
Ins Owners19.66%
Ins Owner Change0.95%
Market Cap666.83M
Analysts82.22
Price Target43.52 (11.28%)
Short Float %0.54%
Short Ratio2.82
Dividend
Industry RankSector Rank
Dividend Yield 2.47%
Yearly Dividend0.88
Dividend Growth(5Y)12.97%
DP26.99%
Div Incr Years10
Div Non Decr Years10
Ex-Date06-09 2025-06-09 (0.24)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.76%
Min EPS beat(2)4.36%
Max EPS beat(2)31.16%
EPS beat(4)3
Avg EPS beat(4)11.77%
Min EPS beat(4)-0.69%
Max EPS beat(4)31.16%
EPS beat(8)4
Avg EPS beat(8)4.42%
EPS beat(12)5
Avg EPS beat(12)2.78%
EPS beat(16)7
Avg EPS beat(16)3.64%
Revenue beat(2)1
Avg Revenue beat(2)-0.1%
Min Revenue beat(2)-1.03%
Max Revenue beat(2)0.84%
Revenue beat(4)2
Avg Revenue beat(4)-0.17%
Min Revenue beat(4)-1.34%
Max Revenue beat(4)0.85%
Revenue beat(8)2
Avg Revenue beat(8)-2.16%
Revenue beat(12)4
Avg Revenue beat(12)-1.49%
Revenue beat(16)6
Avg Revenue beat(16)-1.64%
PT rev (1m)0%
PT rev (3m)-1.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.65%
EPS NY rev (1m)0.9%
EPS NY rev (3m)9.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2%
Valuation
Industry RankSector Rank
PE 11.61
Fwd PE 11.86
P/S 2.78
P/FCF 10.76
P/OCF 9.42
P/B 1.3
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)3.37
EY8.62%
EPS(NY)3.3
Fwd EY8.43%
FCF(TTM)3.63
FCFY9.29%
OCF(TTM)4.15
OCFY10.62%
SpS14.07
BVpS30.06
TBVpS24.62
PEG (NY)1.14
PEG (5Y)1.03
Profitability
Industry RankSector Rank
ROA 1.28%
ROE 11.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.85%
GM N/A
FCFM 25.83%
ROA(3y)1.11%
ROA(5y)0.99%
ROE(3y)10.77%
ROE(5y)10%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.37%
PM growth 5Y2.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.45
Debt/EBITDA N/A
Cap/Depr 116.58%
Cap/Sales 3.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 108.29%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.6%
ROIC/WACCN/A
Cap/Depr(3y)92.98%
Cap/Depr(5y)114.59%
Cap/Sales(3y)3.21%
Cap/Sales(5y)3.99%
Profit Quality(3y)110.16%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.77%
EPS 3Y13.75%
EPS 5Y11.26%
EPS Q2Q%33.78%
EPS Next Y10.17%
EPS Next 2Y2.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.56%
Revenue growth 3Y3.74%
Revenue growth 5Y8.48%
Sales Q2Q%8.86%
Revenue Next Year6.65%
Revenue Next 2Y5.07%
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 1Y0.75%
FCF growth 3Y-19.75%
FCF growth 5Y1.92%
OCF growth 1Y3.05%
OCF growth 3Y-18.14%
OCF growth 5Y3.43%