CCBG Fundamental Analysis - CAPITAL CITY BANK GROUP INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CCBG. CCBG was compared to 396 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.

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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.

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.

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.

With a decent Return On Equity value of 11.16%, CCBG is doing good in the industry, outperforming 78.79% of the companies in the same industry.

		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 has a Profit Margin (23.85%) which is in line with 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 1.45. 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 has a Debt to FCF ratio of 1.45. This is in the better half of the industry: CCBG outperforms 62.37% 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.

CCBG has a Debt to Equity ratio (0.18) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.45
Altman-Z	N/A

ROIC/WACCN/A

WACC11.85%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.77% over the past year.

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 small growth in Revenue. The Revenue has grown by 3.56% 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)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

CCBG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.28% yearly.

Based on estimates for the next years, CCBG will show a small growth in Revenue. The Revenue will grow by 5.07% on average per year.

EPS Next Y9.19%

EPS Next 2Y2.28%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.15, which indicates a very decent valuation of CCBG.

CCBG's Price/Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Earnings ratio of 26.46, CCBG is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 11.51, the valuation of CCBG can be described as reasonable.

Based on the Price/Forward Earnings ratio, CCBG is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.

CCBG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.30.

		Industry Rank	Sector Rank
PE	11.15
Fwd PE	11.51

4.2 Price Multiples

CCBG's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	10.34
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)1.21

PEG (5Y)0.99

EPS Next 2Y2.28%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.51%, CCBG has a reasonable but not impressive dividend return.

CCBG's Dividend Yield is slightly below the industry average, which is at 3.46.

Compared to an average S&P500 Dividend Yield of 2.38, CCBG has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.51%

5.2 History

The dividend of CCBG is nicely growing with an annual growth rate of 12.97%!

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

CCBG pays out 26.99% of its income as dividend. This is a sustainable payout ratio.

CCBG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP26.99%

EPS Next 2Y2.28%

EPS Next 3YN/A

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CAPITAL CITY BANK GROUP INC

NASDAQ:CCBG (6/3/2025, 4:30:02 PM)

After market: 37.56 0 (0%)

37.56

+0.07 (+0.19%)

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 Owners48.54%

Inst Owner Change-1.27%

Ins Owners19.66%

Ins Owner Change0.97%

Market Cap640.40M

Analysts82.22

Price Target43.52 (15.87%)

Short Float %0.55%

Short Ratio3.01

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.51%

Yearly Dividend0.88

Dividend Growth(5Y)12.97%

DP26.99%

Div Incr Years10

Div Non Decr Years10

Ex-Date03-10 2025-03-10 (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)-0.39%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.65%

EPS NY rev (1m)9.03%

EPS NY rev (3m)9.51%

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	11.15
Fwd PE	11.51
P/S	2.67
P/FCF	10.34
P/OCF	9.05
P/B	1.25
P/tB	1.53
EV/EBITDA	N/A

EPS(TTM)3.37

EY8.97%

EPS(NY)3.26

Fwd EY8.69%

FCF(TTM)3.63

FCFY9.68%

OCF(TTM)4.15

OCFY11.05%

SpS14.07

BVpS30.06

TBVpS24.62

PEG (NY)1.21

PEG (5Y)0.99

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

WACC11.85%

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 Y9.19%

EPS Next 2Y2.28%

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%

CAPITAL CITY BANK GROUP INC (CCBG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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