CCBG Fundamental Analysis - CAPITAL CITY BANK GROUP INC

Fundamental Rating

Overall CCBG gets a fundamental rating of 4 out of 10. We evaluated CCBG against 395 industry peers in the Banks industry. There are concerns on the financial health of CCBG while its profitability can be described as average. 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.

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.

1.2 Ratios

The Return On Assets of CCBG (1.32%) is better than 85.10% of its industry peers.

CCBG's Return On Equity of 11.04% is fine compared to the rest of the industry. CCBG outperforms 77.27% of its industry peers.

		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

CCBG has a Profit Margin of 23.79%. This is comparable to the rest of the industry: CCBG outperforms 50.25% of its industry peers.

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 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

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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.

Compared to 5 years ago, CCBG has more shares outstanding

Compared to 1 year ago, CCBG has an improved debt to assets ratio.

2.2 Solvency

CCBG has a debt to FCF ratio of 1.11. 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.

CCBG has a Debt to FCF ratio of 1.11. This is in the better half of the industry: CCBG outperforms 67.42% of its industry peers.

A Debt/Equity ratio of 0.15 indicates that CCBG is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.15, CCBG perfoms like the industry average, outperforming 57.07% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.11
Altman-Z	N/A

ROIC/WACCN/A

WACC11.29%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

CCBG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.13%, which is quite good.

Measured over the past years, CCBG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.26% on average per year.

The Revenue has been growing slightly by 7.28% in the past year.

The Revenue has been growing by 8.48% on average over the past years. This is quite good.

EPS 1Y (TTM)12.13%

EPS 3Y13.75%

EPS 5Y11.26%

EPS Q2Q%6.02%

Revenue 1Y (TTM)7.28%

Revenue growth 3Y3.74%

Revenue growth 5Y8.48%

Sales Q2Q%7.34%

3.2 Future

The Earnings Per Share is expected to grow by 6.25% on average over the next years.

CCBG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.79% yearly.

EPS Next Y15.4%

EPS Next 2Y6.25%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year8.06%

Revenue Next 2Y5.79%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.82, which indicates a correct 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 27.08, CCBG is valued rather cheaply.

With a Price/Forward Earnings ratio of 12.45, CCBG is valued correctly.

Based on the Price/Forward Earnings ratio, CCBG is valued a bit more expensive than 67.68% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.72, CCBG is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	12.82
Fwd PE	12.45

4.2 Price Multiples

CCBG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CCBG is cheaper than 63.89% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.73
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)0.83

PEG (5Y)1.14

EPS Next 2Y6.25%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CCBG has a Yearly Dividend Yield of 2.21%.

Compared to an average industry Dividend Yield of 3.20, CCBG is paying slightly less dividend.

CCBG's Dividend Yield is comparable with the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	2.21%

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

27.50% of the earnings are spent on dividend by CCBG. This is a low number and sustainable payout ratio.

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

DP27.5%

EPS Next 2Y6.25%

EPS Next 3YN/A

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CAPITAL CITY BANK GROUP INC

NASDAQ:CCBG (8/29/2025, 8:10:21 PM)

After market: 43.86 0 (0%)

43.86

+0.37 (+0.85%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/bmo

Earnings (Next)10-20 2025-10-20/bmo

Inst Owners48.13%

Inst Owner Change1.3%

Ins Owners19.72%

Ins Owner Change0.04%

Market Cap748.69M

Analysts82.22

Price Target45.39 (3.49%)

Short Float %0.55%

Short Ratio1.9

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.21%

Yearly Dividend0.88

Dividend Growth(5Y)12.97%

DP27.5%

Div Incr Years10

Div Non Decr Years10

Ex-Date06-09 2025-06-09 (0.24)

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)4.3%

PT rev (3m)4.3%

EPS NQ rev (1m)4.84%

EPS NQ rev (3m)8.79%

EPS NY rev (1m)4.75%

EPS NY rev (3m)5.69%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)4.05%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.32%

Valuation

		Industry Rank	Sector Rank
PE	12.82
Fwd PE	12.45
P/S	3.07
P/FCF	10.73
P/OCF	9.54
P/B	1.42
P/tB	1.73
EV/EBITDA	N/A

EPS(TTM)3.42

EY7.8%

EPS(NY)3.52

Fwd EY8.03%

FCF(TTM)4.09

FCFY9.32%

OCF(TTM)4.6

OCFY10.48%

SpS14.31

BVpS30.84

TBVpS25.41

PEG (NY)0.83

PEG (5Y)1.14

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

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-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

WACC11.29%

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)12.13%

EPS 3Y13.75%

EPS 5Y11.26%

EPS Q2Q%6.02%

EPS Next Y15.4%

EPS Next 2Y6.25%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)7.28%

Revenue growth 3Y3.74%

Revenue growth 5Y8.48%

Sales Q2Q%7.34%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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