Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients. More Details
Flawless balance sheet with acceptable track record.
Share Price & News
How has Capital City Bank Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CCBG is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: CCBG's weekly volatility (7%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: CCBG underperformed the US Banks industry which returned -7.3% over the past year.
Return vs Market: CCBG underperformed the US Market which returned 19.5% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Capital City Bank Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
5 days ago | Simply Wall StThe Attractive Combination That Could Earn Capital City Bank Group, Inc. (NASDAQ:CCBG) A Place In Your Dividend Portfolio
3 weeks ago | Simply Wall StDo Institutions Own Capital City Bank Group, Inc. (NASDAQ:CCBG) Shares?
1 month ago | Simply Wall StAre Insiders Buying Capital City Bank Group, Inc. (NASDAQ:CCBG) Stock?
Is Capital City Bank Group undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CCBG ($25.5) is trading above our estimate of fair value ($21.47)
Significantly Below Fair Value: CCBG is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CCBG is poor value based on its PE Ratio (13.2x) compared to the US Banks industry average (12.3x).
PE vs Market: CCBG is good value based on its PE Ratio (13.2x) compared to the US market (21x).
Price to Earnings Growth Ratio
PEG Ratio: CCBG's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: CCBG is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1x).
How is Capital City Bank Group forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CCBG's earnings are forecast to decline over the next 3 years (-6% per year).
Earnings vs Market: CCBG's earnings are forecast to decline over the next 3 years (-6% per year).
High Growth Earnings: CCBG's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CCBG's revenue is expected to decline over the next 3 years (-1.6% per year).
High Growth Revenue: CCBG's revenue is forecast to decline over the next 3 years (-1.6% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CCBG's Return on Equity is forecast to be low in 3 years time (8.3%).
How has Capital City Bank Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CCBG has high quality earnings.
Growing Profit Margin: CCBG's current net profit margins (17.1%) are lower than last year (20%).
Past Earnings Growth Analysis
Earnings Trend: CCBG's earnings have grown significantly by 28.9% per year over the past 5 years.
Accelerating Growth: CCBG's earnings growth over the past year (5.5%) is below its 5-year average (28.9% per year).
Earnings vs Industry: CCBG earnings growth over the past year (5.5%) exceeded the Banks industry -4.4%.
Return on Equity
High ROE: CCBG's Return on Equity (12.2%) is considered low.
How is Capital City Bank Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CCBG's Assets to Equity ratio (10.6x) is moderate.
Allowance for Bad Loans: CCBG has a sufficient allowance for bad loans (420%).
Low Risk Liabilities: 93% of CCBG's liabilities are made up of primarily low risk sources of funding.
Loan Level: CCBG has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: CCBG's Loans to Deposits ratio (66%) is appropriate.
Level of Bad Loans: CCBG has an appropriate level of bad loans (0.3%).
What is Capital City Bank Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CCBG's dividend (2.35%) is higher than the bottom 25% of dividend payers in the US market (1.39%).
High Dividend: CCBG's dividend (2.35%) is low compared to the top 25% of dividend payers in the US market (3.85%).
Stability and Growth of Payments
Stable Dividend: CCBG's dividend payments have been volatile in the past 10 years.
Growing Dividend: CCBG's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (28.5%), CCBG's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: CCBG's dividends in 3 years are forecast to be well covered by earnings (37% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Bill Smith (67 yo)
Mr. William Godfrey Smith, Jr., also known as Bill, has been the Chairman, Chief Executive Officer and President of Capital City Bank Group, Inc. since 1985 and also serves as Chairman and Chief Executive ...
CEO Compensation Analysis
Compensation vs Market: Bill's total compensation ($USD1.96M) is about average for companies of similar size in the US market ($USD1.66M).
Compensation vs Earnings: Bill's compensation has increased by more than 20% in the past year.
|Executive VP||34yrs||US$1.28m||0.77% |
|Treasurer & Director||39yrs||US$1.70m||1.15% |
|Chief Operating Officer||no data||no data||no data|
|Director of Compliance||no data||no data||no data|
|Chief Brand Officer of Marketing||no data||no data||no data|
|Chief Revenue Officer||no data||no data||no data|
|Credit Administration||no data||no data||no data|
|President of Northwest Alachua County||15.67yrs||no data||no data|
|Senior VP & Controller||no data||no data||no data|
Experienced Management: CCBG's management team is seasoned and experienced (26 years average tenure).
|Treasurer & Director||39yrs||US$1.70m||1.15% |
|Independent Director||2.58yrs||US$81.00k||0.066% |
|Independent Director||27yrs||US$70.00k||0.31% |
|Independent Director||5yrs||US$74.00k||0.088% |
|Lead Independent Director||12.67yrs||US$79.00k||0.22% |
|Independent Director||17.5yrs||US$72.00k||0.26% |
|Independent Director||7.75yrs||US$69.00k||0.38% |
|Independent Director||4yrs||US$73.00k||0.077% |
|Independent Director||4yrs||US$71.00k||0.077% |
|Independent Director||4yrs||US$66.00k||0.099% |
|Independent Director||1.5yrs||US$15.50k||0.0065% |
Experienced Board: CCBG's board of directors are considered experienced (6.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Capital City Bank Group, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Capital City Bank Group, Inc.
- Ticker: CCBG
- Exchange: NasdaqGS
- Founded: 1895
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$427.417m
- Shares outstanding: 16.76m
- Website: https://www.ccbg.com
Number of Employees
- Capital City Bank Group, Inc.
- 217 North Monroe Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CCBG||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Jan 1991|
Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients. The company ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/19 00:35|
|End of Day Share Price||2021/01/15 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.