CAPITAL CITY BANK GROUP INC (CCBG)
US1396741050 - Common Stock
Taking everything into account, CCBG scores 4 out of 10 in our fundamental rating. CCBG was compared to 412 industry peers in the Banks industry. CCBG has a medium profitability rating, but doesn't score so well on its financial health evaluation. CCBG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CCBG was profitable.
In the past year CCBG had a positive cash flow from operations.
In the past 5 years CCBG has always been profitable.
Of the past 5 years CCBG 4 years had a positive operating cash flow.
1.2 Ratios
CCBG's Return On Assets of 1.25% is amongst the best of the industry. CCBG outperforms 80.58% of its industry peers.
CCBG's Return On Equity of 12.02% is fine compared to the rest of the industry. CCBG outperforms 79.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 12.02% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)0.94%
ROE(3y)10.03%
ROE(5y)9.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 22.65%, CCBG is in line with its industry, outperforming 43.69% of the companies in the same 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) | 22.65% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.08%
PM growth 5Y4.5%
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 less shares outstanding than it did 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
The Debt to FCF ratio of CCBG is 1.49, which is an excellent value as it means it would take CCBG, only 1.49 years of fcf income to pay off all of its debts.
CCBG has a Debt to FCF ratio of 1.49. This is in the better half of the industry: CCBG outperforms 66.50% of its industry peers.
CCBG has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of CCBG (0.20) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.49 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.89%
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 36.02%, which is quite impressive.
CCBG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.57% yearly.
CCBG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.57%.
CCBG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.86% yearly.
EPS 1Y (TTM)36.02%
EPS 3Y15.01%
EPS 5Y20.57%
EPS growth Q2Q2.94%
Revenue 1Y (TTM)8.57%
Revenue growth 3Y2.76%
Revenue growth 5Y9.86%
Revenue growth Q2Q-4.64%
3.2 Future
Based on estimates for the next years, CCBG will show a decrease in Earnings Per Share. The EPS will decrease by -4.75% on average per year.
The Revenue is expected to grow by 0.44% on average over the next years.
EPS Next Y-7.93%
EPS Next 2Y-4.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.76%
Revenue Next 2Y0.44%
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.
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
With a Price/Earnings ratio of 8.56, the valuation of CCBG can be described as very reasonable.
CCBG's Price/Earnings ratio is a bit cheaper when compared to the industry. CCBG is cheaper than 68.69% of the companies in the same industry.
When comparing the Price/Earnings ratio of CCBG to the average of the S&P500 Index (27.73), we can say CCBG is valued rather cheaply.
The Price/Forward Earnings ratio is 9.29, which indicates a very decent valuation of CCBG.
Based on the Price/Forward Earnings ratio, CCBG is valued a bit cheaper than 69.66% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.41. CCBG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.56 | ||
| Fwd PE | 9.29 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CCBG is valued a bit cheaper than 63.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.85 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CCBG's earnings are expected to decrease with -4.75% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.42
EPS Next 2Y-4.75%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CCBG has a Yearly Dividend Yield of 3.06%.
CCBG's Dividend Yield is comparable with the industry average which is at 3.76.
Compared to an average S&P500 Dividend Yield of 2.41, CCBG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
5.2 History
On average, the dividend of CCBG grows each year by 18.42%, 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 its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)18.42%
Div Incr Years9
Div Non Decr Years9
5.3 Sustainability
23.95% of the earnings are spent on dividend by CCBG. This is a low number and sustainable payout ratio.
DP23.95%
EPS Next 2Y-4.75%
EPS Next 3YN/A
CAPITAL CITY BANK GROUP INC
NASDAQ:CCBG (5/6/2024, 11:59:36 AM)
27.47
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap465.34M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.56 | ||
| Fwd PE | 9.29 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 12.02% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.65% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)36.02%
EPS 3Y15.01%
EPS 5Y
EPS growth Q2Q
EPS Next Y-7.93%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)8.57%
Revenue growth 3Y2.76%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y