CAPITAL CITY BANK GROUP INC (CCBG) Stock Fundamental Analysis
NASDAQ:CCBG - Nasdaq - US1396741050 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to CCBG. CCBG was compared to 396 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.
1. Profitability
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.
CCBG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
CCBG has a Return On Assets of 1.28%. This is amongst the best in the industry. CCBG outperforms 82.32% of its industry peers.
CCBG's Return On Equity of 11.16% is fine compared to the rest of the industry. CCBG outperforms 79.29% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
CCBG's Profit Margin of 23.85% is in line compared to the rest of the industry. CCBG outperforms 51.77% 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) | 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
2. Health
2.1 Basic Checks
CCBG does not have a ROIC to compare to the WACC, probably because it is not profitable.
CCBG has about the same amout of shares outstanding than it did 1 year ago.
CCBG has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CCBG has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CCBG is 1.45, which is an excellent value as it means it would take CCBG, only 1.45 years of fcf income to pay off all of its debts.
CCBG has a better Debt to FCF ratio (1.45) than 63.13% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that CCBG is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.18, CCBG perfoms like the industry average, outperforming 48.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.61%
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 9.77%, 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.
CCBG shows a small growth in Revenue. In the last year, the Revenue has grown by 3.56%.
The Revenue has been growing by 8.48% on average over the past years. This is quite good.
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
Based on estimates for the next years, CCBG will show a small growth in Earnings Per Share. The EPS will grow by 2.81% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.53 indicates a correct valuation of CCBG.
The rest of the industry has a similar Price/Earnings ratio as CCBG.
CCBG is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
CCBG is valuated correctly with a Price/Forward Earnings ratio of 12.80.
CCBG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CCBG is more expensive than 67.93% of the companies in the same industry.
CCBG is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.44, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.53 | ||
| Fwd PE | 12.8 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as CCBG.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.62 | ||
| EV/EBITDA | N/A |
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)1.23
PEG (5Y)1.11
EPS Next 2Y2.81%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CCBG has a Yearly Dividend Yield of 2.31%. Purely for dividend investing, there may be better candidates out there.
CCBG's Dividend Yield is slightly below the industry average, which is at 3.29.
CCBG's Dividend Yield is comparable with the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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
5.3 Sustainability
CCBG pays out 26.99% 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.
DP26.99%
EPS Next 2Y2.81%
EPS Next 3YN/A
NASDAQ:CCBG (7/21/2025, 12:11:56 PM)
42.21
+0.94 (+2.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.85%
Inst Owner Change-0.06%
Ins Owners19.66%
Ins Owner Change0.95%
Market Cap719.68M
Analysts82.22
Price Target43.52 (3.1%)
Short Float %0.61%
Short Ratio2.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
Yearly Dividend0.88
Dividend Growth(5Y)12.97%
DP26.99%
Div Incr Years10
Div Non Decr Years10
Ex-Date
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)2.83%
EPS NQ rev (3m)2.16%
EPS NY rev (1m)0%
EPS NY rev (3m)10.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.53 | ||
| Fwd PE | 12.8 | ||
| P/S | 3 | ||
| P/FCF | 11.62 | ||
| P/OCF | 10.17 | ||
| P/B | 1.4 | ||
| P/tB | 1.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.37
EY7.98%
EPS(NY)3.3
Fwd EY7.81%
FCF(TTM)3.63
FCFY8.61%
OCF(TTM)4.15
OCFY9.84%
SpS14.07
BVpS30.06
TBVpS24.62
PEG (NY)1.23
PEG (5Y)1.11
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC11.61%
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%