CAPITAL CITY BANK GROUP INC (CCBG) Fundamental Analysis & Valuation

NASDAQ:CCBG • US1396741050

Current stock price

42.24 USD
-0.09 (-0.21%)
At close:
42.24 USD
0 (0%)
After Hours:

This CCBG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CCBG Profitability Analysis

1.1 Basic Checks

  • CCBG had positive earnings in the past year.
  • In the past year CCBG had a positive cash flow from operations.
  • Each year in the past 5 years CCBG has been profitable.
  • Of the past 5 years CCBG 4 years had a positive operating cash flow.
CCBG Yearly Net Income VS EBIT VS OCF VS FCFCCBG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M

1.2 Ratios

  • CCBG has a Return On Assets of 1.41%. This is amongst the best in the industry. CCBG outperforms 85.56% of its industry peers.
  • CCBG has a Return On Equity of 11.26%. This is in the better half of the industry: CCBG outperforms 75.85% of its industry peers.
Industry RankSector Rank
ROA 1.41%
ROE 11.26%
ROIC N/A
ROA(3y)1.28%
ROA(5y)1.1%
ROE(3y)11.16%
ROE(5y)10.38%
ROIC(3y)N/A
ROIC(5y)N/A
CCBG Yearly ROA, ROE, ROICCCBG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 24.30%, CCBG is in line with its industry, outperforming 47.24% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CCBG has grown nicely.
  • The Operating Margin and Gross Margin are not available for CCBG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.3%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.81%
PM growth 5Y10.26%
GM growth 3YN/A
GM growth 5YN/A
CCBG Yearly Profit, Operating, Gross MarginsCCBG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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2

2. CCBG Health Analysis

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 more shares outstanding
  • CCBG has more shares outstanding than it did 5 years ago.
  • CCBG has a worse debt/assets ratio than last year.
CCBG Yearly Shares OutstandingCCBG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CCBG Yearly Total Debt VS Total AssetsCCBG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of CCBG is 1.04, which is an excellent value as it means it would take CCBG, only 1.04 years of fcf income to pay off all of its debts.
  • CCBG's Debt to FCF ratio of 1.04 is fine compared to the rest of the industry. CCBG outperforms 67.45% of its industry peers.
  • CCBG has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.15, CCBG is in line with its industry, outperforming 52.76% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.04
Altman-Z N/A
ROIC/WACCN/A
WACC11.4%
CCBG Yearly LT Debt VS Equity VS FCFCCBG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CCBG Yearly Current Assets VS Current LiabilitesCCBG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CCBG Growth Analysis

3.1 Past

  • CCBG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.38%, 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 11.28% yearly.
  • Looking at the last year, CCBG shows a quite strong growth in Revenue. The Revenue has grown by 8.13% in the last year.
  • The Revenue has been growing slightly by 3.63% on average over the past years.
EPS 1Y (TTM)15.38%
EPS 3Y15.11%
EPS 5Y11.28%
EPS Q2Q%3.9%
Revenue 1Y (TTM)8.13%
Revenue growth 3Y5.05%
Revenue growth 5Y3.63%
Sales Q2Q%6.01%

3.2 Future

  • CCBG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.15% yearly.
  • Based on estimates for the next years, CCBG will show a small growth in Revenue. The Revenue will grow by 2.47% on average per year.
EPS Next Y-1.31%
EPS Next 2Y0.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.79%
Revenue Next 2Y2.47%
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.
CCBG Yearly Revenue VS EstimatesCCBG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
CCBG Yearly EPS VS EstimatesCCBG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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4

4. CCBG Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.73, 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 25.71.
  • Based on the Price/Forward Earnings ratio of 11.89, the valuation of CCBG can be described as reasonable.
  • 66.40% of the companies in the same industry are cheaper than CCBG, based on the Price/Forward Earnings ratio.
  • CCBG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.73
Fwd PE 11.89
CCBG Price Earnings VS Forward Price EarningsCCBG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • CCBG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CCBG is cheaper than 72.18% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.07
EV/EBITDA N/A
CCBG Per share dataCCBG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.04
EPS Next 2Y0.15%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CCBG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.55%, CCBG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.90, CCBG has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, CCBG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.55%

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
CCBG Yearly Dividends per shareCCBG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

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 2Y0.15%
EPS Next 3YN/A
CCBG Yearly Income VS Free CF VS DividendCCBG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M
CCBG Dividend Payout.CCBG Dividend Payout, showing the Payout Ratio.CCBG Dividend Payout.PayoutRetained Earnings

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CCBG Fundamentals: All Metrics, Ratios and Statistics

CAPITAL CITY BANK GROUP INC

NASDAQ:CCBG (3/13/2026, 8:13:53 PM)

After market: 42.24 0 (0%)

42.24

-0.09 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners51.01%
Inst Owner Change0.73%
Ins Owners19.91%
Ins Owner Change1.03%
Market Cap724.42M
Revenue(TTM)254.00M
Net Income(TTM)60.85M
Analysts77.78
Price Target45.39 (7.46%)
Short Float %1.76%
Short Ratio3
Dividend
Industry RankSector Rank
Dividend Yield 2.55%
Yearly Dividend0.88
Dividend Growth(5Y)12.97%
DP27.32%
Div Incr Years10
Div Non Decr Years10
Ex-Date03-09
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)0%
PT rev (3m)-3.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.67%
EPS NY rev (3m)-2.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.41%
Valuation
Industry RankSector Rank
PE 11.73
Fwd PE 11.89
P/S 2.89
P/FCF 9.07
P/OCF 8.23
P/B 1.34
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)3.6
EY8.52%
EPS(NY)3.55
Fwd EY8.41%
FCF(TTM)4.66
FCFY11.02%
OCF(TTM)5.13
OCFY12.16%
SpS14.6
BVpS31.52
TBVpS26.33
PEG (NY)N/A
PEG (5Y)1.04
Graham Number50.53
Profitability
Industry RankSector 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)1.28%
ROA(5y)1.1%
ROE(3y)11.16%
ROE(5y)10.38%
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 3Y9.81%
PM growth 5Y10.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
Industry RankSector 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
WACC11.4%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.38%
EPS 3Y15.11%
EPS 5Y11.28%
EPS Q2Q%3.9%
EPS Next Y-1.31%
EPS Next 2Y0.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.13%
Revenue growth 3Y5.05%
Revenue growth 5Y3.63%
Sales Q2Q%6.01%
Revenue Next Year1.79%
Revenue Next 2Y2.47%
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 1Y85.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y72.35%
OCF growth 3YN/A
OCF growth 5YN/A

CAPITAL CITY BANK GROUP INC / CCBG Fundamental Analysis 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 4 / 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 11.73 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 2 / 10.