Capital City Bank Group, Inc. operates as the bank holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients in Florida, Georgia, and Alabama.
Flawless balance sheet and fair value.
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 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: CCBG exceeded the US Banks industry which returned 1.2% over the past year.
Return vs Market: CCBG exceeded the US Market which returned 10.2% over the past year.
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
1 week ago | Simply Wall StThe Case For Capital City Bank Group, Inc. (NASDAQ:CCBG): Could It Be A Nice Addition To Your Dividend Portfolio?
3 weeks ago | Simply Wall StDoes Capital City Bank Group, Inc.'s (NASDAQ:CCBG) CEO Pay Matter?
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?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CCBG ($27.73) is trading below our estimate of fair value ($38.59)
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 (15.1x) compared to the Banks industry average (12.1x).
PE vs Market: CCBG is good value based on its PE Ratio (15.1x) compared to the US market (17.1x).
Price to Earnings Growth Ratio
PEG Ratio: CCBG is poor value based on its PEG Ratio (2.6x)
Price to Book Ratio
PB vs Industry: CCBG is overvalued based on its PB Ratio (1.4x) 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?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CCBG's forecast earnings growth (5.9% per year) is above the savings rate (1.7%).
Earnings vs Market: CCBG's earnings (5.9% per year) are forecast to grow slower than the US market (13.2% per year).
High Growth Earnings: CCBG's earnings are forecast to grow, but not significantly.
Revenue vs Market: CCBG's revenue (4.6% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: CCBG's revenue (4.6% 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 (10.3%).
How has Capital City Bank Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CCBG has a high level of non-cash earnings.
Growing Profit Margin: CCBG's current net profit margins (20%) are higher than last year (18.3%).
Past Earnings Growth Analysis
Earnings Trend: CCBG's earnings have grown significantly by 29.9% per year over the past 5 years.
Accelerating Growth: CCBG's earnings growth over the past year (17.5%) is below its 5-year average (29.9% per year).
Earnings vs Industry: CCBG earnings growth over the past year (17.5%) exceeded the Banks industry 11.9%.
Return on Equity
High ROE: CCBG's Return on Equity (9.4%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: CCBG has a low level of unsold assets or inventory.
Debt Coverage by Assets: CCBG's debt is covered by short term assets (assets are 6.2x debt).
Financial Institutions Analysis
Asset Level: CCBG's level of assets compared to its equity is low.
Allowance for Bad Loans: CCBG has a sufficient allowance for bad loans.
Low Risk Liabilities: CCBG's liabilities are made up of primarily low risk sources of funding.
Loan Level: CCBG has an acceptable proportion of non-loan assets held.
Low Risk Deposits: CCBG's loans are broadly funded by customer deposits.
Level of Bad Loans: CCBG has an appropriate level of bad loans (0.24%)
What is Capital City Bank Group's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: CCBG's dividend (1.88%) is higher than the bottom 25% of dividend payers in the US market (1.53%).
High Dividend: CCBG's dividend (1.88%) is low compared to the top 25% of dividend payers in the US market (3.96%).
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 (26.1%), 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 (32.2% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Bill Smith (66yo)
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 ($USD939.74K) is below average for companies of similar size in the US market ($USD1.75M).
Compensation vs Earnings: Bill's compensation has been consistent with company performance over the past year.
|Executive VP||33.1yrs||US$563.20k||0.71% $3.3m|
|Treasurer & Director||38.1yrs||US$1.26m||1.1% $5.1m|
|Chief People Officer & Executive VP||0yrs||no data||no data|
|President of Northwest Alachua County||14.8yrs||no data||no data|
|Senior VP & Controller||0yrs||no data||no data|
Experienced Management: CCBG's management team is seasoned and experienced (25.1 years average tenure).
|Treasurer & Director||38.1yrs||US$1.26m||1.1% $5.1m|
|Independent Director||26.1yrs||US$72.01k||0.36% $1.7m|
|Independent Director||4.1yrs||US$73.01k||0.060% $277.3k|
|Lead Director||11.8yrs||US$81.01k||0.21% $979.7k|
|Independent Director||16.6yrs||US$72.01k||0.25% $1.2m|
|Independent Director||6.8yrs||US$73.01k||0.33% $1.5m|
|Independent Director||3.1yrs||US$72.01k||0.024% $109.7k|
|Independent Director||3.1yrs||US$71.01k||0.029% $136.0k|
|Independent Director||3.1yrs||US$68.01k||0.074% $342.7k|
Experienced Board: CCBG's board of directors are considered experienced (9.3 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 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$464.446m
- Shares outstanding: 16.75m
- 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 bank holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients in Florida, Georgia, and Alabama. It 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. The company also provides commercial and residential real estate lending products, as well as fixed-rate and adjustable rate residential mortgage loans; retail credit products, such as personal loans, automobile loans, boat/RV loans, home equity loans, and credit card programs; and institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Its consumer banking services include checking accounts, savings programs, automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, online banking, and mobile banking. In addition, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and a line of retail securities products, including the U.S. Government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care. As of December 11, 2019, it had 57 banking offices and 81 ATMs. The company has a strategic alliance with BrandMortgage to deliver the mortgage services and expertise to homebuyers throughout the Southeast. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/27 23:55|
|End of Day Share Price||2020/02/27 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.