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

NASDAQ:CCBG • US1396741050

Current stock price

46.71 USD
+0.3 (+0.65%)
At close:
46.71 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

  • In the past year CCBG was profitable.
  • In the past year CCBG had a positive cash flow from operations.
  • Each year in the past 5 years CCBG has been profitable.
  • In the past 5 years CCBG always reported a positive cash flow from operatings.
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

  • The Return On Assets of CCBG (1.40%) is better than 84.35% of its industry peers.
  • The Return On Equity of CCBG (11.13%) is better than 70.82% of its industry peers.
Industry RankSector Rank
ROA 1.4%
ROE 11.13%
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

  • The Profit Margin of CCBG (24.23%) is comparable to the rest of the industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 24.23%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • Compared to 5 years ago, CCBG has more shares outstanding
  • 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

  • CCBG has a debt to FCF ratio of 1.16. This is a very positive value and a sign of high solvency as it would only need 1.16 years to pay back of all of its debts.
  • CCBG has a Debt to FCF ratio of 1.16. This is in the better half of the industry: CCBG outperforms 63.40% of its industry peers.
  • A Debt/Equity ratio of 0.17 indicates that CCBG is not too dependend on debt financing.
  • The Debt to Equity ratio of CCBG (0.17) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.16
Altman-Z N/A
ROIC/WACCN/A
WACC10.87%
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.
  • The Revenue has grown by 8.13% in the past year. This is quite good.
  • 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

  • Based on estimates for the next years, CCBG will show a small growth in Earnings Per Share. The EPS will grow by 0.15% on average per year.
  • CCBG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.47% yearly.
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

  • 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.
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 12.97, which indicates a correct valuation of CCBG.
  • The rest of the industry has a similar Price/Earnings ratio as CCBG.
  • CCBG is valuated cheaply when we compare the Price/Earnings ratio to 27.18, which is the current average of the S&P500 Index.
  • CCBG is valuated correctly with a Price/Forward Earnings ratio of 13.15.
  • Based on the Price/Forward Earnings ratio, CCBG is valued a bit more expensive than 70.03% of the companies in the same industry.
  • CCBG is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.98
Fwd PE 13.15
CCBG Price Earnings VS Forward Price EarningsCCBG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCBG indicates a somewhat cheap valuation: CCBG is cheaper than 71.35% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.01
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)1.15
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

  • CCBG has a Yearly Dividend Yield of 2.31%. Purely for dividend investing, there may be better candidates out there.
  • CCBG's Dividend Yield is comparable with the industry average which is at 2.53.
  • CCBG's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.31%

5.2 History

  • The dividend of CCBG is nicely growing with an annual growth rate of 11.89%!
  • CCBG has paid a dividend for at least 10 years, which is a reliable track record.
  • CCBG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)11.89%
Div Incr Years11
Div Non Decr Years11
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

  • 27.72% 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.
DP27.72%
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 (4/13/2026, 8:13:11 PM)

After market: 46.71 0 (0%)

46.71

+0.3 (+0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners50.81%
Inst Owner Change0%
Ins Owners19.94%
Ins Owner Change1.08%
Market Cap801.08M
Revenue(TTM)254.00M
Net Income(TTM)61.56M
Analysts77.78
Price Target46.41 (-0.64%)
Short Float %1.62%
Short Ratio2.06
Dividend
Industry RankSector Rank
Dividend Yield 2.31%
Yearly Dividend1
Dividend Growth(5Y)11.89%
DP27.72%
Div Incr Years11
Div Non Decr Years11
Ex-Date03-09
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.17%
Min EPS beat(2)-11.54%
Max EPS beat(2)5.2%
EPS beat(4)3
Avg EPS beat(4)8.62%
Min EPS beat(4)-11.54%
Max EPS beat(4)31.16%
EPS beat(8)6
Avg EPS beat(8)6.85%
EPS beat(12)7
Avg EPS beat(12)4.42%
EPS beat(16)8
Avg EPS beat(16)3.67%
Revenue beat(2)1
Avg Revenue beat(2)-1.65%
Min Revenue beat(2)-3.76%
Max Revenue beat(2)0.46%
Revenue beat(4)2
Avg Revenue beat(4)-0.77%
Min Revenue beat(4)-3.76%
Max Revenue beat(4)0.84%
Revenue beat(8)3
Avg Revenue beat(8)-0.91%
Revenue beat(12)4
Avg Revenue beat(12)-1.57%
Revenue beat(16)6
Avg Revenue beat(16)-1.24%
PT rev (1m)2.25%
PT rev (3m)-1.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.58%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.41%
Valuation
Industry RankSector Rank
PE 12.98
Fwd PE 13.15
P/S 3.15
P/FCF 10.01
P/OCF 9.14
P/B 1.45
P/tB 1.73
EV/EBITDA N/A
EPS(TTM)3.6
EY7.71%
EPS(NY)3.55
Fwd EY7.61%
FCF(TTM)4.67
FCFY9.99%
OCF(TTM)5.11
OCFY10.94%
SpS14.81
BVpS32.24
TBVpS27.04
PEG (NY)N/A
PEG (5Y)1.15
Graham Number51.1
Profitability
Industry RankSector Rank
ROA 1.4%
ROE 11.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.23%
GM N/A
FCFM 31.51%
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 0.17
Debt/FCF 1.16
Debt/EBITDA N/A
Cap/Depr 100.97%
Cap/Sales 2.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 130%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC10.87%
ROIC/WACCN/A
Cap/Depr(3y)99.71%
Cap/Depr(5y)101.18%
Cap/Sales(3y)3.25%
Cap/Sales(5y)3.45%
Profit Quality(3y)108.36%
Profit Quality(5y)155.69%
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 1Y45.8%
FCF growth 3Y13.8%
FCF growth 5YN/A
OCF growth 1Y37.82%
OCF growth 3Y13.08%
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.


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 valuation of CAPITAL CITY BANK GROUP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CAPITAL CITY BANK GROUP INC (CCBG) is 12.98 and the Price/Book (PB) ratio is 1.45.


What is the earnings growth outlook for CAPITAL CITY BANK GROUP INC?

The Earnings per Share (EPS) of CAPITAL CITY BANK GROUP INC (CCBG) is expected to decline by -1.31% in the next year.