42.57 USD
+0.07 (+0.16%)
42.57 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CCBG. CCBG was compared to 388 industry peers in the Banks industry. CCBG has a medium profitability rating, but doesn't score so well on its financial health evaluation. CCBG has a correct valuation and a medium growth rate.
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.
CCBG had positive earnings in each of the past 5 years.
Of the past 5 years CCBG 4 years had a positive operating cash flow.
1.2 Ratios
CCBG has a Return On Assets of 1.41%. This is amongst the best in the industry. CCBG outperforms 86.34% of its industry peers.
CCBG has a Return On Equity of 11.26%. This is in the better half of the industry: CCBG outperforms 77.58% of its industry peers.
| 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
With a Profit Margin value of 24.30%, CCBG perfoms like the industry average, outperforming 49.48% of the companies in the same 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 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.
The number of shares outstanding for CCBG remains at a similar level compared to 1 year ago.
CCBG has more shares outstanding than it did 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.
The Debt to FCF ratio of CCBG (1.04) is better than 65.46% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that CCBG is not too dependend on debt financing.
CCBG has a Debt to Equity ratio (0.15) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 17.05% over the past year.
Measured over the past years, CCBG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.26% on average per year.
Looking at the last year, CCBG shows a quite strong growth in Revenue. The Revenue has grown by 8.22% in the last year.
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)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
CCBG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.61% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.92, which indicates a very decent valuation of CCBG.
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 26.51.
With a Price/Forward Earnings ratio of 11.67, the valuation of CCBG can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CCBG is valued a bit more expensive than 60.82% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, CCBG is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.92 | ||
| Fwd PE | 11.67 |
4.2 Price Multiples
CCBG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CCBG is cheaper than 71.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.1 | ||
| 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)0.58
PEG (5Y)1.06
EPS Next 2Y8.13%
EPS Next 3Y5.61%
5. Dividend
5.1 Amount
CCBG has a Yearly Dividend Yield of 2.43%. Purely for dividend investing, there may be better candidates out there.
CCBG's Dividend Yield is comparable with the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, CCBG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)12.97%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
CCBG pays out 27.32% of its income as dividend. This is a sustainable payout ratio.
The dividend of CCBG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.32%
EPS Next 2Y8.13%
EPS Next 3Y5.61%
42.57
+0.07 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.49%
Inst Owner Change4.38%
Ins Owners19.68%
Ins Owner Change0.09%
Market Cap726.67M
Revenue(TTM)250.40M
Net Income(TTM)60.85M
Analysts82.22
Price Target47.01 (10.43%)
Short Float %1.36%
Short Ratio3.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
Yearly Dividend0.88
Dividend Growth(5Y)12.97%
DP27.32%
Div Incr Years10
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.44%
Min EPS beat(2)5.2%
Max EPS beat(2)9.67%
EPS beat(4)4
Avg EPS beat(4)12.6%
Min EPS beat(4)4.36%
Max EPS beat(4)31.16%
EPS beat(8)6
Avg EPS beat(8)7.62%
EPS beat(12)7
Avg EPS beat(12)4.51%
EPS beat(16)8
Avg EPS beat(16)3.47%
Revenue beat(2)1
Avg Revenue beat(2)-0.08%
Min Revenue beat(2)-0.63%
Max Revenue beat(2)0.46%
Revenue beat(4)2
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-1.03%
Max Revenue beat(4)0.84%
Revenue beat(8)3
Avg Revenue beat(8)-0.82%
Revenue beat(12)4
Avg Revenue beat(12)-1.31%
Revenue beat(16)6
Avg Revenue beat(16)-1.31%
PT rev (1m)1.65%
PT rev (3m)3.56%
EPS NQ rev (1m)2.7%
EPS NQ rev (3m)4.72%
EPS NY rev (1m)1.1%
EPS NY rev (3m)4.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.92 | ||
| Fwd PE | 11.67 | ||
| P/S | 2.9 | ||
| P/FCF | 9.1 | ||
| P/OCF | 8.25 | ||
| P/B | 1.34 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY8.39%
EPS(NY)3.65
Fwd EY8.57%
FCF(TTM)4.68
FCFY10.99%
OCF(TTM)5.16
OCFY12.12%
SpS14.67
BVpS31.67
TBVpS26.45
PEG (NY)0.58
PEG (5Y)1.06
Graham Number50.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 11.26% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.3% | ||
| GM | N/A | ||
| FCFM | 31.88% |
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
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 3Y12.37%
PM growth 5Y2.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 108.62% | ||
| Cap/Sales | 3.28% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 131.2% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.31%
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)17.05%
EPS 3Y13.75%
EPS 5Y11.26%
EPS Q2Q%19.23%
EPS Next Y20.63%
EPS Next 2Y8.13%
EPS Next 3Y5.61%
EPS Next 5YN/A
Revenue 1Y (TTM)8.22%
Revenue growth 3Y3.74%
Revenue growth 5Y8.48%
Sales Q2Q%10.32%
Revenue Next Year8.6%
Revenue Next 2Y5.89%
Revenue Next 3Y5.01%
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 1Y40.72%
FCF growth 3Y-19.75%
FCF growth 5Y1.92%
OCF growth 1Y36.53%
OCF growth 3Y-18.14%
OCF growth 5Y3.43%
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 11.92 and the Price/Book (PB) ratio is 1.34.
How financially healthy is CAPITAL CITY BANK GROUP INC?
The financial health rating of CAPITAL CITY BANK GROUP INC (CCBG) is 3 / 10.