CAPITAL CITY BANK GROUP INC (CCBG) Stock Fundamental Analysis
NASDAQ:CCBG - Nasdaq - US1396741050 - Common Stock - Currency: USD
Taking everything into account, CCBG scores 3 out of 10 in our fundamental rating. CCBG was compared to 402 industry peers in the Banks industry. CCBG has a bad profitability rating. Also its financial health evaluation is rather negative. CCBG has a valuation in line with the averages, but it does not seem to be growing.
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.
In the past 5 years CCBG has always been profitable.
In multiple years CCBG reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of CCBG (1.22%) is better than 79.95% of its industry peers.
CCBG's Return On Equity of 10.66% is fine compared to the rest of the industry. CCBG outperforms 75.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 10.66% | ||
| 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
With a Profit Margin value of 22.28%, CCBG perfoms like the industry average, outperforming 47.77% 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) | 22.28% | ||
| 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.
CCBG has about the same amout of shares outstanding than it did 1 year ago.
CCBG has more shares outstanding than it did 5 years ago.
CCBG has a better debt/assets ratio than last year.
2.2 Solvency
CCBG has a debt to FCF ratio of 2.08. This is a good value and a sign of high solvency as CCBG would need 2.08 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.08, CCBG perfoms like the industry average, outperforming 55.45% of the companies in the same industry.
CCBG has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.19, CCBG is in line with its industry, outperforming 51.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 2.08 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CCBG have decreased by -2.80% in the last year.
The Earnings Per Share has been growing by 11.26% on average over the past years. This is quite good.
Looking at the last year, CCBG shows a decrease in Revenue. The Revenue has decreased by -1.24% in the last year.
Measured over the past years, CCBG shows a quite strong growth in Revenue. The Revenue has been growing by 8.48% on average per year.
EPS 1Y (TTM)-2.8%
EPS 3Y13.75%
EPS 5Y11.26%
EPS Q2Q%10%
Revenue 1Y (TTM)-1.24%
Revenue growth 3Y3.74%
Revenue growth 5Y8.48%
Sales Q2Q%6.28%
3.2 Future
CCBG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.48% yearly.
CCBG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.11% yearly.
EPS Next Y-0.29%
EPS Next 2Y1.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.56%
Revenue Next 2Y4.11%
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
With a Price/Earnings ratio of 11.63, the valuation of CCBG can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as CCBG.
CCBG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
CCBG is valuated reasonably with a Price/Forward Earnings ratio of 11.67.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CCBG is on the same level as its industry peers.
CCBG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.63 | ||
| Fwd PE | 11.67 |
4.2 Price Multiples
CCBG's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.03
EPS Next 2Y1.48%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CCBG has a Yearly Dividend Yield of 2.66%. Purely for dividend investing, there may be better candidates out there.
CCBG's Dividend Yield is comparable with the industry average which is at 3.37.
CCBG's Dividend Yield is comparable with the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
5.2 History
The dividend of CCBG is nicely growing with an annual growth rate of 18.42%!
CCBG has paid a dividend for at least 10 years, which is a reliable track record.
As CCBG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)18.42%
Div Incr Years9
Div Non Decr Years9
5.3 Sustainability
CCBG pays out 27.93% 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.
DP27.93%
EPS Next 2Y1.48%
EPS Next 3YN/A
36.29
+0.2 (+0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.54%
Inst Owner Change1.54%
Ins Owners19.66%
Ins Owner Change0.94%
Market Cap616.20M
Analysts82.22
Price Target44.03 (21.33%)
Short Float %0.3%
Short Ratio1.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
Yearly Dividend0.76
Dividend Growth(5Y)18.42%
DP27.93%
Div Incr Years9
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.78%
Min EPS beat(2)-0.69%
Max EPS beat(2)12.24%
EPS beat(4)2
Avg EPS beat(4)2.65%
Min EPS beat(4)-5.34%
Max EPS beat(4)12.24%
EPS beat(8)3
Avg EPS beat(8)0.46%
EPS beat(12)4
Avg EPS beat(12)0.43%
EPS beat(16)6
Avg EPS beat(16)2.16%
Revenue beat(2)1
Avg Revenue beat(2)-0.25%
Min Revenue beat(2)-1.34%
Max Revenue beat(2)0.85%
Revenue beat(4)1
Avg Revenue beat(4)-1.56%
Min Revenue beat(4)-3.06%
Max Revenue beat(4)0.85%
Revenue beat(8)2
Avg Revenue beat(8)-1.92%
Revenue beat(12)4
Avg Revenue beat(12)-1.72%
Revenue beat(16)6
Avg Revenue beat(16)-1.63%
PT rev (1m)1.97%
PT rev (3m)5.28%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.69%
EPS NY rev (3m)2.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.63 | ||
| Fwd PE | 11.67 | ||
| P/S | 2.66 | ||
| P/FCF | 14.2 | ||
| P/OCF | 11.98 | ||
| P/B | 1.27 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.12
EY8.6%
EPS(NY)3.11
Fwd EY8.57%
FCF(TTM)2.56
FCFY7.04%
OCF(TTM)3.03
OCFY8.35%
SpS13.63
BVpS28.46
TBVpS23
PEG (NY)N/A
PEG (5Y)1.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 10.66% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.28% | ||
| GM | N/A | ||
| FCFM | 18.76% |
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-Score4
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 2.08 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 100.92% | ||
| Cap/Sales | 3.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 84.19% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC10.14%
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)-2.8%
EPS 3Y13.75%
EPS 5Y11.26%
EPS Q2Q%10%
EPS Next Y-0.29%
EPS Next 2Y1.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.24%
Revenue growth 3Y3.74%
Revenue growth 5Y8.48%
Sales Q2Q%6.28%
Revenue Next Year4.56%
Revenue Next 2Y4.11%
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 1Y-23.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-20.26%
OCF growth 3YN/A
OCF growth 5YN/A