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11.4 (1y: +69%)
Market Cap 197.95 M P/E(ttm) 89.10
Enterprise Value 352.75 M P/B 0.80
CCBG- NAS (USA)
Capital City Bank Group, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$11.40
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 4/10

vs
industry		 vs
history
Cash to Debt 0.421
CCBG's Cash to Debt is ranked lower than
57% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CCBG: 0.421 )
CCBG' s 10-Year Cash to Debt Range
Min: 0.17   Max: 1.15
Current: 0.42
0.17
1.15
Equity to Asset 0.061
CCBG's Equity to Asset is ranked lower than
83% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CCBG: 0.061 )
CCBG' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.06
0.06
0.1
Interest Coverage No Debt
CCBG's Interest Coverage is ranked lower than
71% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. CCBG: No Debt )
CCBG' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.35
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 3/10

vs
industry		 vs
history
Operating margin (%) -0.90
CCBG's Operating margin (%) is ranked lower than
90% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. CCBG: -0.90 )
CCBG' s 10-Year Operating margin (%) Range
Min: -5.4   Max: 33.1
Current: -0.9
-5.4
33.1
Net-margin (%) 0.1
CCBG's Net-margin (%) is ranked lower than
88% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. CCBG: 0.1 )
CCBG' s 10-Year Net-margin (%) Range
Min: -2.1   Max: 21.5
Current: 0.1
-2.1
21.5
ROC (Joel Greenblatt) (%) -1.40
CCBG's ROC (Joel Greenblatt) (%) is ranked lower than
96% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CCBG: -1.40 )
CCBG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -9.4   Max: 119.9
Current: -1.4
-9.4
119.9
Revenue Growth (%) -4.1
CCBG's Revenue Growth (%) is ranked lower than
78% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CCBG: -4.1 )
CCBG' s 10-Year Revenue Growth (%) Range
Min: -4.1   Max: 8.7
Current: -4.1
-4.1
8.7
EBITDA Growth (%) 33.6
CCBG's EBITDA Growth (%) is ranked higher than
94% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CCBG: 33.6 )
CCBG' s 10-Year EBITDA Growth (%) Range
Min: -57.8   Max: 33.6
Current: 33.6
-57.8
33.6
ยป CCBG's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

CCBG Guru Trades in Q2 2012

Jim Simons 39,799 sh (+52.49%)
» More
Q3 2012

CCBG Guru Trades in Q3 2012

Jim Simons 33,300 sh (-16.33%)
» More
Q4 2012

CCBG Guru Trades in Q4 2012

Jim Simons 37,700 sh (+13.21%)
» More
Q1 2013

CCBG Guru Trades in Q1 2013

Jim Simons 36,800 sh (-2.39%)
» More
» Details

Insider Trades

Latest Guru Trades with CCBG



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 89.10
CCBG's P/E(ttm) is ranked lower than
97% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CCBG: 89.10 )
CCBG' s 10-Year P/E(ttm) Range
Min: 11.01   Max: 1501.25
Current: 89.1
11.01
1501.25
P/B 0.80
CCBG's P/B is ranked higher than
65% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CCBG: 0.80 )
CCBG' s 10-Year P/B Range
Min: 0.35   Max: 3.07
Current: 0.8
0.35
3.07
P/S 1.40
CCBG's P/S is ranked higher than
79% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. CCBG: 1.40 )
CCBG' s 10-Year P/S Range
Min: 0.78   Max: 4.74
Current: 1.4
0.78
4.74
PFCF 4.30
CCBG's PFCF is ranked higher than
65% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CCBG: 4.30 )
CCBG' s 10-Year PFCF Range
Min: 1.76   Max: 17.32
Current: 4.3
1.76
17.32
EV-to-EBIT 166.7
CCBG's EV-to-EBIT is ranked lower than
96% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. CCBG: 166.7 )
CCBG' s 10-Year EV-to-EBIT Range
Min: 7.7   Max: 159.3
Current: 166.7
7.7
159.3
Shiller P/E 27.3
CCBG's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. CCBG: 27.3 )
CCBG' s 10-Year Shiller P/E Range
Min: 6.28   Max: 29.64
Current: 27.3
6.28
29.64

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.2
CCBG's Price/Tangible Book is ranked lower than
59% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CCBG: 1.2 )
CCBG' s 10-Year Price/Tangible Book Range
Min: 1   Max: 3.4
Current: 1.2
1
3.4
Price/DCF (Projected) 0.2
CCBG's Price/DCF (Projected) is ranked higher than
95% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CCBG: 0.2 )
CCBG' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 1.1
Current: 0.2
0.2
1.1
Price/Median PS Value 0.5
CCBG's Price/Median PS Value is ranked higher than
88% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CCBG: 0.5 )
CCBG' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.8
Current: 0.5
0.4
1.8
Price/Graham Number 9.9
CCBG's Price/Graham Number is ranked lower than
100% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CCBG: 9.9 )
CCBG' s 10-Year Price/Graham Number Range
Min: 1.1   Max: 9.9
Current: 9.9
1.1
9.9
Earnings Yield (Greenblatt) 0.60
CCBG's Earnings Yield (Greenblatt) is ranked lower than
80% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. CCBG: 0.60 )
CCBG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 13
Current: 0.6
0.6
13
Forward Rate of Return (Yacktman) 22.44
CCBG's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. CCBG: 22.44 )
CCBG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.8   Max: 46.3
Current: 22.44
1.8
46.3

Business Description

Capital City Bank Group, Inc. 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 is a financial holding company for Capital City. The company 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. Dividends and management fees received from the bank are the company's only source of income. Dividend payments by the bank depend on the capitalization, earnings and projected growth of the bank, and are limited by various regulatory restrictions. CCBG has one reportable segment with the following main services: Banking Services, Data Processing Services, Trust and Asset Management Services, and Brokerage Services. Services offered by the bank include: Business Banking - The bank provides banking services to Corporations and other business clients. Credit products are available for a variety of general business purposes, including financing for commercial business properties, equipment, inventories and accounts receivable, as well as commercial leasing and letters of credit. The company also provides treasury management services, and, through a marketing alliance with Elavon, Inc., merchant credit card transaction processing services. Commercial Real Estate Lending - The bank provides a range of products to meet the financing needs of commercial developers and investors, residential builders and developers, and community development. Credit products are available to facilitate the purchase of land and/or build structures for business use and for investors who are developing residential or commercial property. Residential Real Estate Lending - The bank provides products to help meet the home financing needs of consumers, including conventional permanent and construction/permanent financing arrangements, and FHA/VA loan products. The bank offers both fixed-rate and adjustable rate residential mortgage loans. Retail Credit - The bank provides a full range of loan products to meet the needs of consumers, including personal loans, automobile loans, boat/RV loans, home equity loans, and credit card programs. Institutional Banking - The bank provides banking services to meet the needs of state and local governments, public schools and colleges, charities, membership and not-for-profit associations including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans. Retail Banking - The bank provides a full range of consumer banking services, including checking accounts, savings programs, automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and PC/Internet banking.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for CCBG

Headlines

Articles On GuruFocus.com
Community Trust Bank Corp. (CTBI) High-Yield Dividend Stock Analysis Dec 01 2011 
Capital City Bank Group Reports Operating Results (10-K) Mar 07 2011 
Capital City Bank Group Reports Operating Results (10-Q) Nov 08 2010 
Capital City Bank Group Reports Operating Results (10-Q) May 07 2010 
Capital City Bank Group Reports Operating Results (10-Q) Nov 06 2009 
Capital City Bank Group Reports Operating Results (10-Q) Aug 10 2009 
Capital City Bank Group Reports Operating Results (10-Q) May 07 2009 
Bank Insiders are Buying Stocks: Wells Fargo, Thomas Weisel Partners Group, United Bankshares Inc., Feb 22 2009 

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