CCBG Stock Overview
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.
Capital City Bank Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$26.87|
|52 Week High||US$29.00|
|52 Week Low||US$22.02|
|1 Month Change||7.48%|
|3 Month Change||-3.86%|
|1 Year Change||4.23%|
|3 Year Change||15.03%|
|5 Year Change||46.51%|
|Change since IPO||435.97%|
Recent News & Updates
|CCBG||US Banks||US Market|
Return vs Industry: CCBG exceeded the US Banks industry which returned -20.8% over the past year.
Return vs Market: CCBG exceeded the US Market which returned -10.8% over the past year.
|CCBG Average Weekly Movement||3.7%|
|Banks Industry Average Movement||3.9%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: CCBG is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: CCBG's weekly volatility (4%) has been stable over the past year.
About the Company
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 offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed- and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs.
Capital City Bank Group Fundamentals Summary
|CCBG fundamental statistics|
Is CCBG overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CCBG income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||1.91|
|Net Profit Margin||15.61%|
How did CCBG perform over the long term?See historical performance and comparison
2.4%Current Dividend Yield
Is Capital City Bank Group undervalued compared to its fair value and its price relative to the market?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CCBG ($26.87) is trading below our estimate of fair value ($61.47)
Significantly Below Fair Value: CCBG is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CCBG is poor value based on its PE Ratio (14.1x) compared to the US Banks industry average (9.7x).
PE vs Market: CCBG is good value based on its PE Ratio (14.1x) compared to the US market (15.5x).
Price to Earnings Growth Ratio
PEG Ratio: CCBG is good value based on its PEG Ratio (0.9x)
Price to Book Ratio
PB vs Industry: CCBG is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1.1x).
How is Capital City Bank Group forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CCBG's forecast earnings growth (16.2% per year) is above the savings rate (1.9%).
Earnings vs Market: CCBG's earnings (16.2% per year) are forecast to grow faster than the US market (12.5% per year).
High Growth Earnings: CCBG's earnings are forecast to grow, but not significantly.
Revenue vs Market: CCBG's revenue (7% per year) is forecast to grow slower than the US market (7.9% per year).
High Growth Revenue: CCBG's revenue (7% per year) is forecast to grow slower than 20% 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 (11.1%).
How has Capital City Bank Group performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CCBG has high quality earnings.
Growing Profit Margin: CCBG's current net profit margins (15.6%) are lower than last year (16.6%).
Past Earnings Growth Analysis
Earnings Trend: CCBG's earnings have grown significantly by 20.5% per year over the past 5 years.
Accelerating Growth: CCBG's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CCBG had negative earnings growth (-12.1%) over the past year, making it difficult to compare to the Banks industry average (20.9%).
Return on Equity
High ROE: CCBG's Return on Equity (9.8%) is considered low.
How is Capital City Bank Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CCBG's Assets to Equity ratio (11.6x) is moderate.
Allowance for Bad Loans: CCBG has a sufficient allowance for bad loans (761%).
Low Risk Liabilities: 96% 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 (46%).
Low Risk Deposits: CCBG's Loans to Deposits ratio (52%) is appropriate.
Level of Bad Loans: CCBG has an appropriate level of bad loans (0.1%).
What is Capital City Bank Group current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CCBG's dividend (2.38%) is higher than the bottom 25% of dividend payers in the US market (1.54%).
High Dividend: CCBG's dividend (2.38%) is low compared to the top 25% of dividend payers in the US market (4.06%).
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 increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (32.9%), 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 (24.8% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Bill Smith (68 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 ($USD1.24M) is below average for companies of similar size in the US market ($USD2.62M).
Compensation vs Earnings: Bill's compensation has been consistent with company performance over the past year.
Experienced Management: CCBG's management team is seasoned and experienced (27.3 years average tenure).
Experienced Board: CCBG's board of directors are considered experienced (4.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CCBG 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 employee growth, exchange listings and data sources
- Name: Capital City Bank Group, Inc.
- Ticker: CCBG
- Exchange: NasdaqGS
- Founded: 1895
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$438.605m
- Shares outstanding: 16.95m
- Website: https://www.ccbg.com
Number of Employees
- Capital City Bank Group, Inc.
- 217 North Monroe Street
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/17 00:00|
|End of Day Share Price||2022/05/17 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.