42.32 USD
-0.25 (-0.59%)
42.32 USD
0 (0%)
Taking everything into account, CCBG scores 4 out of 10 in our fundamental rating. CCBG was compared to 388 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 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CCBG was profitable.
CCBG had a positive operating cash flow in the past year.
In the past 5 years CCBG has always been profitable.
CCBG had a positive operating cash flow in 4 of the past 5 years.
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.
The Return On Equity of CCBG (11.26%) is better than 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
CCBG's Profit Margin of 24.30% is in line compared to the rest of the industry. CCBG outperforms 49.48% of its industry peers.
CCBG's Profit Margin has improved in the last couple of years.
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.
The number of shares outstanding for CCBG remains at a similar level compared to 1 year ago.
Compared to 5 years ago, CCBG has more shares outstanding
CCBG has a better debt/assets ratio than last year.
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.
With a decent Debt to FCF ratio value of 1.04, CCBG is doing good in the industry, outperforming 65.46% of the companies in the same industry.
CCBG has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of CCBG (0.15) 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
WACC11.32%
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.
The Earnings Per Share has been growing by 11.26% on average over the past years. This is quite good.
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.
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
Based on the Price/Earnings ratio of 11.85, the valuation of CCBG can be described as reasonable.
CCBG's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.60, CCBG is valued rather cheaply.
CCBG is valuated reasonably with a Price/Forward Earnings ratio of 11.60.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CCBG indicates a slightly more expensive valuation: CCBG is more expensive than 60.82% of the companies listed 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 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.85 | ||
| Fwd PE | 11.6 |
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 71.39% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CCBG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.57
PEG (5Y)1.05
EPS Next 2Y8.13%
EPS Next 3Y5.61%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.43%, CCBG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, CCBG has a dividend in line with its industry peers.
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 been paying a dividend for at least 10 years, so it has 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%
42.32
-0.25 (-0.59%)
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 Cap722.40M
Revenue(TTM)250.40M
Net Income(TTM)60.85M
Analysts82.22
Price Target47.01 (11.08%)
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 | 11.85 | ||
| Fwd PE | 11.6 | ||
| P/S | 2.88 | ||
| P/FCF | 9.05 | ||
| P/OCF | 8.2 | ||
| P/B | 1.34 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY8.44%
EPS(NY)3.65
Fwd EY8.62%
FCF(TTM)4.68
FCFY11.05%
OCF(TTM)5.16
OCFY12.19%
SpS14.67
BVpS31.67
TBVpS26.45
PEG (NY)0.57
PEG (5Y)1.05
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
WACC11.32%
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 11.85 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.