44.64 USD
+0.33 (+0.74%)
44.64 USD
0 (0%)
CCBG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. While CCBG is still in line with the averages on profitability rating, there are concerns on its financial health. CCBG is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- CCBG had positive earnings in the past year.
- In the past year CCBG had a positive cash flow from operations.
- CCBG had positive earnings in each of the past 5 years.
- CCBG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.41%, CCBG belongs to the top of the industry, outperforming 85.90% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 11.26%, CCBG is in the better half of the industry, outperforming 77.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 11.26% | ||
| 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
1.3 Margins
- CCBG's Profit Margin of 24.30% is in line compared to the rest of the industry. CCBG outperforms 49.35% of its industry peers.
- In the last couple of years the Profit Margin of CCBG has grown nicely.
- CCBG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.3% | ||
| 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
2. Health
2.1 Basic Checks
- CCBG does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, CCBG has about the same amount of shares outstanding.
- The number of shares outstanding for CCBG has been increased compared to 5 years ago.
- Compared to 1 year ago, CCBG has an improved debt to assets ratio.
2.2 Solvency
- CCBG has a debt to FCF ratio of 1.04. This is a very positive value and a sign of high solvency as it would only need 1.04 years to pay back of all of its debts.
- CCBG's Debt to FCF ratio of 1.04 is fine compared to the rest of the industry. CCBG outperforms 65.80% of its industry peers.
- CCBG has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
- CCBG has a Debt to Equity ratio of 0.15. This is comparable to the rest of the industry: CCBG outperforms 53.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- CCBG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.05%, 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 11.26% yearly.
- Looking at the last year, CCBG shows a quite strong growth in Revenue. The Revenue has grown by 8.22% in the last year.
- CCBG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.48% yearly.
EPS 1Y (TTM)17.05%
EPS 3Y13.75%
EPS 5Y11.26%
EPS Q2Q%19.23%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y3.74%
Revenue growth 5Y8.48%
Sales Q2Q%10.32%
3.2 Future
- Based on estimates for the next years, CCBG will show a small growth in Earnings Per Share. The EPS will grow by 5.61% on average per year.
- CCBG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.01% yearly.
EPS Next Y20.63%
EPS Next 2Y8.13%
EPS Next 3Y5.61%
EPS Next 5YN/A
Revenue Next Year8.6%
Revenue Next 2Y5.89%
Revenue Next 3Y5.01%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- CCBG is valuated correctly with a Price/Earnings ratio of 12.50.
- CCBG's Price/Earnings is on the same level as the industry average.
- CCBG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
- Based on the Price/Forward Earnings ratio of 12.24, the valuation of CCBG can be described as correct.
- CCBG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CCBG is more expensive than 61.10% of the companies in the same industry.
- CCBG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.5 | ||
| Fwd PE | 12.24 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCBG indicates a somewhat cheap valuation: CCBG is cheaper than 69.97% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.54 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.61
PEG (5Y)1.11
EPS Next 2Y8.13%
EPS Next 3Y5.61%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.25%, CCBG has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.64, CCBG has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, CCBG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.25% |
5.2 History
- On average, the dividend of CCBG grows each year by 12.97%, which is quite nice.
- 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
5.3 Sustainability
- 27.32% 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.
DP27.32%
EPS Next 2Y8.13%
EPS Next 3Y5.61%
CAPITAL CITY BANK GROUP INC / CCBG 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 5 / 10 to CAPITAL CITY BANK GROUP INC (CCBG). This can be considered as Fairly Valued.
How profitable is CAPITAL CITY BANK GROUP INC (CCBG) stock?
CAPITAL CITY BANK GROUP INC (CCBG) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for CCBG stock?
The Price/Earnings (PE) ratio for CAPITAL CITY BANK GROUP INC (CCBG) is 12.5 and the Price/Book (PB) ratio is 1.41.
How financially healthy is CAPITAL CITY BANK GROUP INC?
The financial health rating of CAPITAL CITY BANK GROUP INC (CCBG) is 3 / 10.