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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.34
CCBG's Cash to Debt is ranked lower than
75% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CCBG: 0.34 )
Ranked among companies with meaningful Cash to Debt only.
CCBG' s Cash to Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.52 Max: N/A
Current: 0.34
Equity to Asset 0.10
CCBG's Equity to Asset is ranked higher than
53% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CCBG: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
CCBG' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.13
Current: 0.1
0.08
0.13
Interest Coverage 4.10
CCBG's Interest Coverage is ranked higher than
74% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CCBG: 4.10 )
Ranked among companies with meaningful Interest Coverage only.
CCBG' s Interest Coverage Range Over the Past 10 Years
Min: 0.65  Med: 1.09 Max: 3.05
Current: 4.1
0.65
3.05
F-Score: 6
WACC vs ROIC
4.79%
2.47%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 10.41
CCBG's Operating margin (%) is ranked lower than
87% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CCBG: 10.41 )
Ranked among companies with meaningful Operating margin (%) only.
CCBG' s Operating margin (%) Range Over the Past 10 Years
Min: -5.39  Med: 7.29 Max: 29.44
Current: 10.41
-5.39
29.44
Net-margin (%) 6.99
CCBG's Net-margin (%) is ranked lower than
88% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CCBG: 6.99 )
Ranked among companies with meaningful Net-margin (%) only.
CCBG' s Net-margin (%) Range Over the Past 10 Years
Min: -2.13  Med: 5.92 Max: 19.04
Current: 6.99
-2.13
19.04
ROE (%) 3.34
CCBG's ROE (%) is ranked lower than
83% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CCBG: 3.34 )
Ranked among companies with meaningful ROE (%) only.
CCBG' s ROE (%) Range Over the Past 10 Years
Min: -1.27  Med: 2.84 Max: 10.77
Current: 3.34
-1.27
10.77
ROA (%) 0.34
CCBG's ROA (%) is ranked lower than
80% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CCBG: 0.34 )
Ranked among companies with meaningful ROA (%) only.
CCBG' s ROA (%) Range Over the Past 10 Years
Min: -0.13  Med: 0.35 Max: 1.27
Current: 0.34
-0.13
1.27
Revenue Growth (3Y)(%) -6.20
CCBG's Revenue Growth (3Y)(%) is ranked lower than
77% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CCBG: -6.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CCBG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.2  Med: 6.30 Max: 10
Current: -6.2
-6.2
10
EBITDA Growth (3Y)(%) 9.60
CCBG's EBITDA Growth (3Y)(%) is ranked higher than
60% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CCBG: 9.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CCBG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -68.4  Med: 7.40 Max: 47.1
Current: 9.6
-68.4
47.1
EPS Growth (3Y)(%) 22.80
CCBG's EPS Growth (3Y)(%) is ranked higher than
79% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CCBG: 22.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CCBG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.5  Med: 5.75 Max: 22.8
Current: 22.8
-31.5
22.8
» CCBG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2014

CCBG Guru Trades in Q4 2014

Jim Simons 46,028 sh (+18.33%)
Diamond Hill Capital 14,045 sh (unchged)
Chuck Royce 29,822 sh (unchged)
» More
Q1 2015

CCBG Guru Trades in Q1 2015

Jim Simons 53,834 sh (+16.96%)
Diamond Hill Capital 14,045 sh (unchged)
Chuck Royce 29,822 sh (unchged)
» More
Q2 2015

CCBG Guru Trades in Q2 2015

Jim Simons 63,713 sh (+18.35%)
Diamond Hill Capital 14,045 sh (unchged)
Chuck Royce 29,822 sh (unchged)
» More
Q3 2015

CCBG Guru Trades in Q3 2015

Jim Simons 78,199 sh (+22.74%)
Chuck Royce 29,822 sh (unchged)
Diamond Hill Capital 14,045 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CCBG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 29.70
CCBG's P/E(ttm) is ranked lower than
89% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. CCBG: 29.70 )
Ranked among companies with meaningful P/E(ttm) only.
CCBG' s P/E(ttm) Range Over the Past 10 Years
Min: 13.39  Med: 24.90 Max: 1501.25
Current: 29.7
13.39
1501.25
Forward P/E 13.79
CCBG's Forward P/E is ranked lower than
81% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. CCBG: 13.79 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 29.08
CCBG's PE(NRI) is ranked lower than
89% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. CCBG: 29.08 )
Ranked among companies with meaningful PE(NRI) only.
CCBG' s PE(NRI) Range Over the Past 10 Years
Min: 13.47  Med: 24.86 Max: 1201
Current: 29.08
13.47
1201
P/B 0.89
CCBG's P/B is ranked higher than
63% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CCBG: 0.89 )
Ranked among companies with meaningful P/B only.
CCBG' s P/B Range Over the Past 10 Years
Min: 0.46  Med: 0.92 Max: 2.36
Current: 0.89
0.46
2.36
P/S 1.91
CCBG's P/S is ranked higher than
73% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. CCBG: 1.91 )
Ranked among companies with meaningful P/S only.
CCBG' s P/S Range Over the Past 10 Years
Min: 0.78  Med: 1.86 Max: 8.91
Current: 1.91
0.78
8.91
PFCF 9.55
CCBG's PFCF is ranked higher than
50% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. CCBG: 9.55 )
Ranked among companies with meaningful PFCF only.
CCBG' s PFCF Range Over the Past 10 Years
Min: 2.83  Med: 8.75 Max: 25.45
Current: 9.55
2.83
25.45
POCF 8.47
CCBG's POCF is ranked lower than
51% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. CCBG: 8.47 )
Ranked among companies with meaningful POCF only.
CCBG' s POCF Range Over the Past 10 Years
Min: 2.71  Med: 7.12 Max: 15.23
Current: 8.47
2.71
15.23
EV-to-EBIT 28.70
CCBG's EV-to-EBIT is ranked lower than
83% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. CCBG: 28.70 )
Ranked among companies with meaningful EV-to-EBIT only.
CCBG' s EV-to-EBIT Range Over the Past 10 Years
Min: -243.2  Med: 22.10 Max: 159.3
Current: 28.7
-243.2
159.3
EV-to-EBITDA 18.84
CCBG's EV-to-EBITDA is ranked lower than
75% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. CCBG: 18.84 )
Ranked among companies with meaningful EV-to-EBITDA only.
CCBG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -210.6  Med: 18.90 Max: 263
Current: 18.84
-210.6
263
PEG 0.64
CCBG's PEG is ranked higher than
64% of the 618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CCBG: 0.64 )
Ranked among companies with meaningful PEG only.
CCBG' s PEG Range Over the Past 10 Years
Min: 1.3  Med: 3.45 Max: 51.88
Current: 0.64
1.3
51.88
Shiller P/E 20.96
CCBG's Shiller P/E is ranked lower than
68% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. CCBG: 20.96 )
Ranked among companies with meaningful Shiller P/E only.
CCBG' s Shiller P/E Range Over the Past 10 Years
Min: 5.45  Med: 12.22 Max: 24.18
Current: 20.96
5.45
24.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.91
CCBG's Dividend Yield is ranked lower than
90% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CCBG: 0.91 )
Ranked among companies with meaningful Dividend Yield only.
CCBG' s Dividend Yield Range Over the Past 10 Years
Min: 0.14  Med: 2.24 Max: 7.52
Current: 0.91
0.14
7.52
Dividend Payout 0.25
CCBG's Dividend Payout is ranked higher than
67% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CCBG: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
CCBG' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.35 Max: 5
Current: 0.25
0.09
5
Dividend Growth (3y) -33.10
CCBG's Dividend Growth (3y) is ranked lower than
82% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. CCBG: -33.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CCBG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -100  Med: 7.60 Max: 15.5
Current: -33.1
-100
15.5
Forward Dividend Yield 1.16
CCBG's Forward Dividend Yield is ranked lower than
90% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. CCBG: 1.16 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.91
CCBG's Yield on cost (5-Year) is ranked lower than
89% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CCBG: 0.91 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CCBG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.14  Med: 2.24 Max: 7.52
Current: 0.91
0.14
7.52
3-Year Average Share Buyback Ratio -0.70
CCBG's 3-Year Average Share Buyback Ratio is ranked higher than
61% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CCBG: -0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CCBG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.4  Med: -0.65 Max: 2.9
Current: -0.7
-5.4
2.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.29
CCBG's Price/Tangible Book is ranked lower than
63% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. CCBG: 1.29 )
Ranked among companies with meaningful Price/Tangible Book only.
CCBG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.77  Med: 2.08 Max: 3.7
Current: 1.29
0.77
3.7
Price/Projected FCF 0.45
CCBG's Price/Projected FCF is ranked higher than
73% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CCBG: 0.45 )
Ranked among companies with meaningful Price/Projected FCF only.
CCBG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.23  Med: 0.63 Max: 1.63
Current: 0.45
0.23
1.63
Price/Median PS Value 1.03
CCBG's Price/Median PS Value is ranked lower than
53% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. CCBG: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
CCBG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.47  Med: 1.52 Max: 5.89
Current: 1.03
0.47
5.89
Price/Graham Number 1.46
CCBG's Price/Graham Number is ranked lower than
85% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. CCBG: 1.46 )
Ranked among companies with meaningful Price/Graham Number only.
CCBG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.91  Med: 1.46 Max: 7.84
Current: 1.46
0.91
7.84
Earnings Yield (Greenblatt) (%) 3.53
CCBG's Earnings Yield (Greenblatt) (%) is ranked lower than
74% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CCBG: 3.53 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CCBG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 3.40 Max: 9.6
Current: 3.53
0.6
9.6
Forward Rate of Return (Yacktman) (%) -8.56
CCBG's Forward Rate of Return (Yacktman) (%) is ranked lower than
86% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CCBG: -8.56 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CCBG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -8.6  Med: 16.05 Max: 41.3
Current: -8.56
-8.6
41.3

More Statistics

Revenue(Mil) $130
EPS $ 0.48
Beta0.62
Short Percentage of Float3.33%
52-Week Range $12.83 - 16.33
Shares Outstanding(Mil)17.14

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil)
EPS($) 0.64 0.84 1.00
EPS without NRI($) 0.64 0.84 1.00

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Capital City Bank Group Inc is a bank holding company headquartered in Tallahassee, Florida. The Company was incorporated under Florida law on December 13, 1982, to acquire five national banks and one state bank that all subsequently became part of CCBGs bank subsidiary, Capital City Bank. The Bank offers products and services through a total of 63 full-service offices located in Florida, Georgia, and Alabama. Its offerings include commercial and retail banking services, as well as trust and asset management, retail securities brokerage and data processing services. It provides traditional deposit and credit services, asset management, trust, mortgage banking, merchant services, bank cards, data processing, and securities brokerage services through full-service banking locations in Florida, Georgia, and Alabama. It operates these banking locations. Some of its offerings include Business Banking, Commercial Real Estate Lending, Residential Real Estate Lending, Retail Credit, Institutional Banking and Retail Banking. The Trust and Asset Management Services comprises of Capital City Trust Company operations. Capital City Trust Company is the investment management arm of the Company. The Trust Company provides asset management for individuals through agency, personal trust, IRAs, and personal investment management accounts. Brokerage Services encompasses operations of Capital City Banc Investments, Inc. It offers access to retail investment products through INVEST Financial Corporation. Data Processing Services comprises of Capital City Services Company operations. Capital City Services Company provides data processing services to financial institutions, government agencies, and commercial clients located in North Florida and South Georgia.
» More Articles for CCBG

Headlines

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