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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 0.36
CCBG's Cash to Debt is ranked higher than
62% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CCBG: 0.36 )
CCBG' s 10-Year Cash to Debt Range
Min: 0.17   Max: No Debt
Current: 0.36

Equity to Asset 0.11
CCBG's Equity to Asset is ranked higher than
76% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CCBG: 0.11 )
CCBG' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.13
Current: 0.11

0.08
0.13
Interest Coverage 1.80
CCBG's Interest Coverage is ranked higher than
74% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CCBG: 1.80 )
CCBG' s 10-Year Interest Coverage Range
Min: 0.54   Max: 2.93
Current: 1.8

0.54
2.93
F-Score: 5
Z-Score: 0.28
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 (%) 8.16
CCBG's Operating margin (%) is ranked higher than
53% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. CCBG: 8.16 )
CCBG' s 10-Year Operating margin (%) Range
Min: -150.75   Max: 33.13
Current: 8.16

-150.75
33.13
Net-margin (%) 7.82
CCBG's Net-margin (%) is ranked higher than
53% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. CCBG: 7.82 )
CCBG' s 10-Year Net-margin (%) Range
Min: -2.13   Max: 70.73
Current: 7.82

-2.13
70.73
ROE (%) 3.68
CCBG's ROE (%) is ranked higher than
57% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. CCBG: 3.68 )
CCBG' s 10-Year ROE (%) Range
Min: -1.27   Max: 13.36
Current: 3.68

-1.27
13.36
ROA (%) 0.39
CCBG's ROA (%) is ranked higher than
59% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CCBG: 0.39 )
CCBG' s 10-Year ROA (%) Range
Min: -0.13   Max: 1.4
Current: 0.39

-0.13
1.4
ROC (Joel Greenblatt) (%) 10.24
CCBG's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. CCBG: 10.24 )
CCBG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -154.7   Max: 66.12
Current: 10.24

-154.7
66.12
Revenue Growth (%) -5.20
CCBG's Revenue Growth (%) is ranked higher than
61% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CCBG: -5.20 )
CCBG' s 10-Year Revenue Growth (%) Range
Min: -5.4   Max: 63.2
Current: -5.2

-5.4
63.2
EBITDA Growth (%) 31.40
CCBG's EBITDA Growth (%) is ranked higher than
94% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CCBG: 31.40 )
CCBG' s 10-Year EBITDA Growth (%) Range
Min: -68.4   Max: 47.1
Current: 31.4

-68.4
47.1
» CCBG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

CCBG Guru Trades in Q4 2013

Jim Simons 36,199 sh (+51.46%)
» More
Q1 2014

CCBG Guru Trades in Q1 2014

Diamond Hill Capital 14,045 sh (New)
Chuck Royce 29,822 sh (New)
Jim Simons 45,607 sh (+25.99%)
» More
Q2 2014

CCBG Guru Trades in Q2 2014

Jim Simons 46,073 sh (+1.02%)
Chuck Royce 29,822 sh (unchged)
Diamond Hill Capital 14,045 sh (unchged)
» More
Q3 2014

CCBG Guru Trades in Q3 2014

Diamond Hill Capital 14,045 sh (unchged)
Chuck Royce 29,822 sh (unchged)
Jim Simons 38,899 sh (-15.57%)
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 25.50
CCBG's P/E(ttm) is ranked higher than
68% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. CCBG: 25.50 )
CCBG' s 10-Year P/E(ttm) Range
Min: 13.39   Max: 1501.25
Current: 25.5

13.39
1501.25
P/B 0.90
CCBG's P/B is ranked higher than
86% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. CCBG: 0.90 )
CCBG' s 10-Year P/B Range
Min: 0.46   Max: 2.93
Current: 0.9

0.46
2.93
P/S 2.00
CCBG's P/S is ranked higher than
89% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. CCBG: 2.00 )
CCBG' s 10-Year P/S Range
Min: 0.78   Max: 4.69
Current: 2

0.78
4.69
PFCF 11.00
CCBG's PFCF is ranked higher than
88% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CCBG: 11.00 )
CCBG' s 10-Year PFCF Range
Min: 1.76   Max: 27.12
Current: 11

1.76
27.12
EV-to-EBIT 32.78
CCBG's EV-to-EBIT is ranked higher than
64% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. CCBG: 32.78 )
CCBG' s 10-Year EV-to-EBIT Range
Min: -243.2   Max: 159.3
Current: 32.78

-243.2
159.3
PEG 0.52
CCBG's PEG is ranked higher than
96% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CCBG: 0.52 )
CCBG' s 10-Year PEG Range
Min: 1.45   Max: 202.5
Current: 0.52

1.45
202.5
Shiller P/E 121.60
CCBG's Shiller P/E is ranked higher than
76% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CCBG: 121.60 )
CCBG' s 10-Year Shiller P/E Range
Min: 6.24   Max: 126.92
Current: 121.6

6.24
126.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.40
CCBG's Dividend Yield is ranked lower than
92% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. CCBG: 0.40 )
CCBG' s 10-Year Dividend Yield Range
Min: 0.14   Max: 7.52
Current: 0.4

0.14
7.52
Dividend Payout 0.10
CCBG's Dividend Payout is ranked higher than
95% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CCBG: 0.10 )
CCBG' s 10-Year Dividend Payout Range
Min: 0.09   Max: 5
Current: 0.1

0.09
5
Dividend growth (3y) -100.00
CCBG's Dividend growth (3y) is ranked higher than
54% of the 1118 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. CCBG: -100.00 )
CCBG' s 10-Year Dividend growth (3y) Range
Min: -100   Max: 128.9
Current: -100

-100
128.9
Yield on cost (5-Year) 0.40
CCBG's Yield on cost (5-Year) is ranked lower than
90% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. CCBG: 0.40 )
CCBG' s 10-Year Yield on cost (5-Year) Range
Min: 0.14   Max: 7.52
Current: 0.4

0.14
7.52
Share Buyback Rate -0.60
CCBG's Share Buyback Rate is ranked higher than
79% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CCBG: -0.60 )
CCBG' s 10-Year Share Buyback Rate Range
Min: 2.9   Max: -5.9
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
CCBG's Price/Tangible Book is ranked higher than
77% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CCBG: 1.30 )
CCBG' s 10-Year Price/Tangible Book Range
Min: 0.77   Max: 4.1
Current: 1.3

0.77
4.1
Price/DCF (Projected) 0.40
CCBG's Price/DCF (Projected) is ranked higher than
94% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. CCBG: 0.40 )
CCBG' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 1.23
Current: 0.4

0.21
1.23
Price/Median PS Value 1.10
CCBG's Price/Median PS Value is ranked higher than
81% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CCBG: 1.10 )
CCBG' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 5.84
Current: 1.1

0.47
5.84
Price/Graham Number 1.20
CCBG's Price/Graham Number is ranked higher than
72% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CCBG: 1.20 )
CCBG' s 10-Year Price/Graham Number Range
Min: 0.9   Max: 9.89
Current: 1.2

0.9
9.89
Earnings Yield (Greenblatt) 3.00
CCBG's Earnings Yield (Greenblatt) is ranked higher than
59% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CCBG: 3.00 )
CCBG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 9.6
Current: 3

0.6
9.6
Forward Rate of Return (Yacktman) 15.07
CCBG's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. CCBG: 15.07 )
CCBG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -22.1   Max: 39.5
Current: 15.07

-22.1
39.5

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.
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