CAPITAL CITY BANK GROUP INC (CCBG) Stock Fundamental Analysis
USA - NASDAQ:CCBG - US1396741050 - Common Stock
39.695 USD
+0.22 (+0.54%)
We assign a fundamental rating of 4 out of 10 to CCBG. CCBG was compared to 390 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 decent growth rate and is not valued too expensively.
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
With an excellent Return On Assets value of 1.32%, CCBG belongs to the best of the industry, outperforming 84.87% of the companies in the same industry.
With a decent Return On Equity value of 11.04%, CCBG is doing good in the industry, outperforming 75.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.32% | ||
| ROE | 11.04% | ||
| 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
The Profit Margin of CCBG (23.79%) is comparable to the rest of the 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) | 23.79% | ||
| 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
The debt/assets ratio for CCBG has been reduced compared to a year ago.
2.2 Solvency
CCBG has a debt to FCF ratio of 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.11, CCBG is doing good in the industry, outperforming 66.15% of the companies in the same industry.
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 | 1.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.44%
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.
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 1.87% 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)1.87%
Revenue growth 3Y3.74%
Revenue growth 5Y8.48%
Sales Q2Q%10.32%
3.2 Future
The Earnings Per Share is expected to grow by 4.79% on average over the next years.
The Revenue is expected to grow by 5.79% on average over the next years.
EPS Next Y15.4%
EPS Next 2Y6.03%
EPS Next 3Y4.79%
EPS Next 5YN/A
Revenue Next Year8.06%
Revenue Next 2Y5.79%
Revenue Next 3YN/A
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
CCBG is valuated reasonably with a Price/Earnings ratio of 11.12.
CCBG's Price/Earnings is on the same level as the industry average.
CCBG is valuated cheaply when we compare the Price/Earnings ratio to 26.03, which is the current average of the S&P500 Index.
CCBG is valuated reasonably with a Price/Forward Earnings ratio of 11.32.
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 61.03% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of CCBG to the average of the S&P500 Index (22.27), we can say CCBG is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.12 | ||
| Fwd PE | 11.32 |
4.2 Price Multiples
67.95% of the companies in the same industry are more expensive than CCBG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.71 | ||
| 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)0.72
PEG (5Y)0.99
EPS Next 2Y6.03%
EPS Next 3Y4.79%
5. Dividend
5.1 Amount
CCBG has a Yearly Dividend Yield of 2.65%. Purely for dividend investing, there may be better candidates out there.
CCBG's Dividend Yield is comparable with the industry average which is at 3.42.
CCBG's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
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
CCBG pays out 27.50% 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.
DP27.5%
EPS Next 2Y6.03%
EPS Next 3Y4.79%
NASDAQ:CCBG (11/5/2025, 11:11:21 AM)
39.695
+0.22 (+0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.4%
Inst Owner Change-0.22%
Ins Owners19.67%
Ins Owner Change0.03%
Market Cap677.59M
Revenue(TTM)234.91M
Net Income(TTM)58.11M
Analysts82.22
Price Target46.24 (16.49%)
Short Float %0.85%
Short Ratio2.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
Yearly Dividend0.88
Dividend Growth(5Y)12.97%
DP27.5%
Div Incr Years10
Div Non Decr Years10
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.42%
Min EPS beat(2)9.67%
Max EPS beat(2)31.16%
EPS beat(4)3
Avg EPS beat(4)11.13%
Min EPS beat(4)-0.69%
Max EPS beat(4)31.16%
EPS beat(8)5
Avg EPS beat(8)5.91%
EPS beat(12)6
Avg EPS beat(12)4.06%
EPS beat(16)8
Avg EPS beat(16)4.43%
Revenue beat(2)1
Avg Revenue beat(2)0.1%
Min Revenue beat(2)-0.63%
Max Revenue beat(2)0.84%
Revenue beat(4)1
Avg Revenue beat(4)-0.54%
Min Revenue beat(4)-1.34%
Max Revenue beat(4)0.84%
Revenue beat(8)2
Avg Revenue beat(8)-1.81%
Revenue beat(12)3
Avg Revenue beat(12)-1.61%
Revenue beat(16)6
Avg Revenue beat(16)-1.19%
PT rev (1m)1.87%
PT rev (3m)6.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.84%
EPS NY rev (1m)0%
EPS NY rev (3m)4.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.12 | ||
| Fwd PE | 11.32 | ||
| P/S | 2.77 | ||
| P/FCF | 9.71 | ||
| P/OCF | 8.63 | ||
| P/B | 1.29 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY8.99%
EPS(NY)3.51
Fwd EY8.84%
FCF(TTM)4.09
FCFY10.3%
OCF(TTM)4.6
OCFY11.58%
SpS14.31
BVpS30.84
TBVpS25.41
PEG (NY)0.72
PEG (5Y)0.99
Graham Number49.77
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.32% | ||
| ROE | 11.04% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.79% | ||
| GM | N/A | ||
| FCFM | 28.57% |
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 | 1.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 116.83% | ||
| Cap/Sales | 3.57% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 120.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.44%
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 Y15.4%
EPS Next 2Y6.03%
EPS Next 3Y4.79%
EPS Next 5YN/A
Revenue 1Y (TTM)1.87%
Revenue growth 3Y3.74%
Revenue growth 5Y8.48%
Sales Q2Q%10.32%
Revenue Next Year8.06%
Revenue Next 2Y5.79%
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 1Y87.55%
FCF growth 3Y-19.75%
FCF growth 5Y1.92%
OCF growth 1Y77.96%
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 for CCBG stock?
ChartMill assigns a valuation rating of 5 / 10 to CAPITAL CITY BANK GROUP INC (CCBG). This can be considered as Fairly Valued.
Can you provide the profitability details for CAPITAL CITY BANK GROUP INC?
CAPITAL CITY BANK GROUP INC (CCBG) has a profitability rating of 4 / 10.
What is the financial health of CAPITAL CITY BANK GROUP INC (CCBG) stock?
The financial health rating of CAPITAL CITY BANK GROUP INC (CCBG) is 3 / 10.
Can you provide the expected EPS growth for CCBG stock?
The Earnings per Share (EPS) of CAPITAL CITY BANK GROUP INC (CCBG) is expected to grow by 15.4% in the next year.