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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 0.41
CCBG's Cash to Debt is ranked higher than
61% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. CCBG: 0.41 )
CCBG' s 10-Year Cash to Debt Range
Min: 0.17   Max: No Debt
Current: 0.41

Equity to Asset 0.11
CCBG's Equity to Asset is ranked higher than
80% of the 1643 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 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. CCBG: 1.80 )
CCBG' s 10-Year Interest Coverage Range
Min: 0.54   Max: 2.61
Current: 1.8

0.54
2.61
F-Score: 5
Z-Score: 0.25
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 (%) 5.94
CCBG's Operating margin (%) is ranked higher than
50% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. CCBG: 5.94 )
CCBG' s 10-Year Operating margin (%) Range
Min: -5.39   Max: 31.8
Current: 5.94

-5.39
31.8
Net-margin (%) 4.51
CCBG's Net-margin (%) is ranked higher than
51% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. CCBG: 4.51 )
CCBG' s 10-Year Net-margin (%) Range
Min: -2.13   Max: 20.66
Current: 4.51

-2.13
20.66
ROE (%) 2.19
CCBG's ROE (%) is ranked higher than
52% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. CCBG: 2.19 )
CCBG' s 10-Year ROE (%) Range
Min: -1.3   Max: 14.33
Current: 2.19

-1.3
14.33
ROA (%) 0.23
CCBG's ROA (%) is ranked higher than
53% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. CCBG: 0.23 )
CCBG' s 10-Year ROA (%) Range
Min: -0.13   Max: 1.43
Current: 0.23

-0.13
1.43
ROC (Joel Greenblatt) (%) 7.71
CCBG's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. CCBG: 7.71 )
CCBG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -7.63   Max: 68.67
Current: 7.71

-7.63
68.67
Revenue Growth (%) -5.20
CCBG's Revenue Growth (%) is ranked higher than
60% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CCBG: -5.20 )
CCBG' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 10.9
Current: -5.2

0
10.9
EBITDA Growth (%) 31.40
CCBG's EBITDA Growth (%) is ranked higher than
93% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CCBG: 31.40 )
CCBG' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 109.2
Current: 31.4

0
109.2
» CCBG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

CCBG Guru Trades in Q2 2013

Jim Simons 31,600 sh (-14.13%)
» More
Q3 2013

CCBG Guru Trades in Q3 2013

Jim Simons 23,900 sh (-24.37%)
» More
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
» Details

Insider Trades

Latest Guru Trades with CCBG



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 26.00
CCBG's P/E(ttm) is ranked higher than
60% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. CCBG: 26.00 )
CCBG' s 10-Year P/E(ttm) Range
Min: 13.39   Max: 1501.25
Current: 26

13.39
1501.25
P/B 0.80
CCBG's P/B is ranked higher than
85% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CCBG: 0.80 )
CCBG' s 10-Year P/B Range
Min: 0.46   Max: 3.07
Current: 0.8

0.46
3.07
P/S 1.80
CCBG's P/S is ranked higher than
88% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CCBG: 1.80 )
CCBG' s 10-Year P/S Range
Min: 0.78   Max: 8.91
Current: 1.8

0.78
8.91
PFCF 7.80
CCBG's PFCF is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. CCBG: 7.80 )
CCBG' s 10-Year PFCF Range
Min: 2.83   Max: 25.98
Current: 7.8

2.83
25.98
EV-to-EBIT 35.37
CCBG's EV-to-EBIT is ranked higher than
61% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. CCBG: 35.37 )
CCBG' s 10-Year EV-to-EBIT Range
Min: 10.4   Max: 159.3
Current: 35.37

10.4
159.3
PEG 0.50
CCBG's PEG is ranked higher than
93% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CCBG: 0.50 )
CCBG' s 10-Year PEG Range
Min: 0.5   Max: 23.3
Current: 0.5

0.5
23.3
Shiller P/E 71.00
CCBG's Shiller P/E is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. CCBG: 71.00 )
CCBG' s 10-Year Shiller P/E Range
Min: 6.28   Max: 75.68
Current: 71

6.28
75.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.30
CCBG's Dividend Yield is ranked lower than
93% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. CCBG: 0.30 )
CCBG' s 10-Year Dividend Yield Range
Min: 0.14   Max: 7.52
Current: 0.3

0.14
7.52
Dividend Payout 0.04
CCBG's Dividend Payout is ranked higher than
99% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CCBG: 0.04 )
CCBG' s 10-Year Dividend Payout Range
Min: 0.09   Max: 5
Current: 0.04

0.09
5
Dividend growth (3y) -100.00
CCBG's Dividend growth (3y) is ranked higher than
53% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 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) 0.30
CCBG's Yield on cost (5-Year) is ranked lower than
91% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. CCBG: 0.30 )
CCBG' s 10-Year Yield on cost (5-Year) Range
Min: 0.14   Max: 7.52
Current: 0.3

0.14
7.52
Share Buyback Rate -0.60
CCBG's Share Buyback Rate is ranked higher than
79% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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 1.20
CCBG's Price/Tangible Book is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. CCBG: 1.20 )
CCBG' s 10-Year Price/Tangible Book Range
Min: 0.77   Max: 4.1
Current: 1.2

0.77
4.1
Price/DCF (Projected) 0.40
CCBG's Price/DCF (Projected) is ranked higher than
94% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. CCBG: 0.40 )
CCBG' s 10-Year Price/DCF (Projected) Range
Min: 0.22   Max: 1.41
Current: 0.4

0.22
1.41
Price/Median PS Value 1.00
CCBG's Price/Median PS Value is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CCBG: 1.00 )
CCBG' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 5.79
Current: 1

0.47
5.79
Price/Graham Number 1.20
CCBG's Price/Graham Number is ranked higher than
66% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CCBG: 1.20 )
CCBG' s 10-Year Price/Graham Number Range
Min: 0.91   Max: 9.89
Current: 1.2

0.91
9.89
Earnings Yield (Greenblatt) 2.70
CCBG's Earnings Yield (Greenblatt) is ranked higher than
51% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CCBG: 2.70 )
CCBG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 9.6
Current: 2.7

0.6
9.6
Forward Rate of Return (Yacktman) 14.16
CCBG's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. CCBG: 14.16 )
CCBG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.5   Max: 35.7
Current: 14.16

6.5
35.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Capital City Bank Group, Inc. is a bank holding company for Capital City Bank. 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 CCBG's bank subsidiary, Capital City Bank. The Bank offers an array of products and services through a total of 66 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. The majority of revenue, approximately 78%, derived from Florida market areas while approximately 21% and 1% of revenues came from Georgia and Alabama market areas, respectively. The Company has one reportable segment with four principal services: Banking Services, Data Processing Services, Trust and Asset Management Services, and Brokerage Services. Revenues from each of these principal services for the year ended 2012 totaled approximately 93.1%, 1.9%, 2.9%, and 2.1% of total revenue, respectively. The banking services comprises of Capital City Bank operations. CCB is a Florida-chartered full-service bank engaged in the commercial and retail banking business. Some of its offerings include business Banking, Commercial Real Estate Lending, as well as Retail Banking, among others. The Trust and Asset Management Services comprises of Capital City Trust Company operations. Capital City Trust Company is the investment management arm of CCB. 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 (including CCB), government agencies, and commercial clients located in North Florida and South Georgia.
» More Articles for CCBG

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