Capital City Bank Group, Inc.
Capital City Bank Group, Inc. Fundamental Analysis
Capital City Bank Group, Inc. (CCBG) shows strong financial fundamentals with a PE ratio of 13.12, profit margin of 22.02%, and ROE of 11.10%. The company generates $0.3B in annual revenue with moderate year-over-year growth of 6.73%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 65.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CCBG's fundamental strength across five key dimensions:
Efficiency Score
WeakCCBG struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCCBG trades at attractive valuation levels.
Growth Score
ModerateCCBG shows steady but slowing expansion.
Financial Health Score
ExcellentCCBG maintains a strong and stable balance sheet.
Profitability Score
ModerateCCBG maintains healthy but balanced margins.
Key Financial Metrics
Is CCBG Expensive or Cheap?
P/E Ratio
CCBG trades at 13.12 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CCBG's PEG of -6.75 indicates potential undervaluation.
Price to Book
The market values Capital City Bank Group, Inc. at 1.42 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 14.12 times EBITDA. This signals the market has high growth expectations.
How Well Does CCBG Make Money?
Net Profit Margin
For every $100 in sales, Capital City Bank Group, Inc. keeps $22.02 as profit after all expenses.
Operating Margin
Core operations generate 29.98 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.10 in profit for every $100 of shareholder equity.
ROA
Capital City Bank Group, Inc. generates $1.36 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Capital City Bank Group, Inc. generates strong operating cash flow of $105.88M, reflecting robust business health.
Free Cash Flow
Capital City Bank Group, Inc. generates strong free cash flow of $98.28M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $5.73 in free cash annually.
FCF Yield
CCBG converts 12.39% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.12
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-6.75
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.42
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.89
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.12
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.005
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.12
vs 25 benchmark
How CCBG Stacks Against Its Sector Peers
| Metric | CCBG Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.12 | 18.99 | Better (Cheaper) |
| ROE | 11.10% | 821.00% | Weak |
| Net Margin | 22.02% | 1914.00% | Weak |
| Debt/Equity | 0.12 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 1.00 | 657.31 | Neutral |
| ROA | 1.36% | -25084.00% (disorted) | Weak |
CCBG outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Capital City Bank Group, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
62.10%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
70.01%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
17.20%
Industry Style: Value, Dividend, Cyclical
High Growth