A Business at a Glance
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CAPITAL CITY BANK GROUP INC
CCBG
$882M
Mkt Cap
$51.60
+1.28%
CAPITAL CITY BANK GROUP INC (CCBG) has a current P/E ratio of 14.3, compared to its historical median P/E of 12.5. The stock is currently considered Fair based on its historical valuation range.
CAPITAL CITY BANK GROUP INC (CCBG) has a 5-year average return on invested capital (ROIC) of 10.8%. This indicates solid capital allocation.
CAPITAL CITY BANK GROUP INC (CCBG) has a market capitalization of $885K. It is classified as a small-cap stock.
Yes, CAPITAL CITY BANK GROUP INC (CCBG) pays a dividend with a trailing twelve-month yield of 1989.19%. The company also returns capital through share buybacks, with a buyback yield of 298.28%.
Based on historical P/E analysis, CAPITAL CITY BANK GROUP INC (CCBG) appears fair. The current P/E of 14.3 is 15% above its historical median of 12.5. The estimated fair value CAGR (P/E method) is 13.0%.
CAPITAL CITY BANK GROUP INC (CCBG) operates in the State Commercial Banks industry, within the Financials sector.
About Us Capital City Bank Group, Inc. (“CCBG”) is a financial holding company headquartered in Tallahassee, Florida. CCBG 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 (“CCB” or the “Bank”). The Bank commenced operations in 1895. In this report, the terms “Company,” “we,” “us,” or “our” mean CCBG and all subsidiaries included in our consolidated CCBG is one of the largest publicly traded financial holding companies headquartered in Florida and has approximately $4. billion in assets. provide a full range of banking services, including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards, securities brokerage services and financial advisory services, including the sale of life insurance, risk management and asset protection services.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 255M | 287M | 271M | 253M | 207M | 214M |
| Net Income | 61M | 62M | 53M | 52M | 33M | 33M |
| EPS | $925.11 | $3.60 | $3.12 | $3.07 | $1.97 | $1.98 |
| Free Cash Flow | 75M | 80M | 55M | 48M | 86M | 117M |
| ROIC | 0.0% | 11.7% | 11.3% | 12.6% | 8.7% | 9.4% |
| Gross Margin | - | 87.8% | 86.6% | 89.2% | 93.1% | 97.6% |
| Debt/Equity | 0.06 | 0.09 | 0.06 | 0.08 | 0.15 | 0.09 |
| Dividends/Share | $1,026.42 | $1.00 | $0.88 | $0.76 | $0.66 | $0.62 |
| Operating Income | 0 | 82M | 66M | 64M | 41M | 49M |
| Operating Margin | 0.0% | 28.5% | 24.2% | 25.3% | 19.8% | 23.1% |
| ROE | 10.8% | 11.7% | 11.3% | 12.6% | 8.7% | 9.5% |
| Shares Outstanding | 0M | 17M | 17M | 17M | 17M | 17M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 131M | 134M | 135M | 139M | 151M | 166M | 217M | 214M | 207M | 253M | 271M | 287M | 255M |
| Gross Margin | 95.8% | 96.3% | 97.0% | 95.6% | 93.5% | 93.1% | 93.3% | 97.6% | 93.1% | 89.2% | 86.6% | 87.8% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 62M | 65M | 63M | 62M | 64M | 66M | 96M | 101M | 92M | 94M | 101M | 107M | 107M |
| EBIT | 11M | 14M | 18M | 23M | 30M | 41M | 53M | 49M | 41M | 64M | 66M | 82M | 0 |
| Op. Margin | 8.3% | 10.1% | 13.1% | 16.6% | 19.6% | 24.6% | 24.3% | 23.1% | 19.8% | 25.3% | 24.2% | 28.5% | 0.0% |
| Net Income | 9.3M | 9.1M | 12M | 11M | 26M | 31M | 32M | 33M | 33M | 52M | 53M | 62M | 61M |
| Net Margin | 7.1% | 6.8% | 8.7% | 7.8% | 17.4% | 18.6% | 14.5% | 15.6% | 16.1% | 20.7% | 19.6% | 21.5% | 23.7% |
| Non-Recurring | -113K | -44K | -131K | -276K | 1.1M | -30K | 0 | 0 | 0 | 0 | 0 | 773K | 773K |
| Returns on Capital | |||||||||||||
| ROIC | 3.0% | 3.0% | 4.0% | 3.7% | 8.6% | 9.6% | 9.6% | 9.4% | 8.7% | 12.6% | 11.3% | 11.7% | 0.0% |
| ROE | 3.4% | 3.3% | 4.3% | 3.9% | 8.9% | 9.8% | 9.7% | 9.5% | 8.7% | 12.6% | 11.3% | 11.7% | 10.8% |
| ROA | 0.4% | 0.3% | 0.4% | 0.4% | 0.9% | 1.0% | 0.9% | 0.8% | 0.8% | 1.2% | 1.2% | 1.4% | 1.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 25M | 34M | 23M | 39M | 35M | 54M | -49M | 122M | 93M | 55M | 64M | 88M | 82M |
| Free Cash Flow | 20M | 29M | 18M | 35M | 33M | 50M | -58M | 117M | 86M | 48M | 55M | 80M | 75M |
| Owner Earnings | 17M | 26M | 14M | 31M | 27M | 46M | -57M | 14M | 83M | 46M | 54M | 78M | -28M |
| CapEx | 5.1M | 4.7M | 4.5M | 4.0M | 1.5M | 3.8M | 9.7M | 5.2M | 6.3M | 7.0M | 8.7M | 7.6M | 6.5M |
| Maint. CapEx | 6.5M | 6.6M | 7.0M | 6.6M | 6.5M | 6.3M | 7.2M | 108M | 7.6M | 7.9M | 7.7M | 7.4M | 107M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 2.5M | 0 | 0 | 0 | 1.0M | 180K | 0 |
| D&A | 6.5M | 6.6M | 7.0M | 6.6M | 6.5M | 6.3M | 7.2M | 108M | 7.6M | 7.9M | 7.7M | 7.4M | 107M |
| CapEx/OCF | 20.3% | 13.9% | 19.7% | 10.3% | 4.2% | 7.0% | N/A | 4.3% | 6.8% | 12.9% | 13.7% | 8.7% | 7.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.6M | 2.2M | 2.9M | 4.1M | 5.5M | 8.0M | 9.6M | 10M | 11M | 13M | 15M | 17M | 18M |
| Dividend Yield | 0.8% | 1.1% | 1.4% | 1.3% | 1.6% | 2.2% | 3.0% | 2.7% | 2.4% | 2.6% | 2.9% | 2.6% | 1989.2% |
| Share Buybacks | 269K | 6.0M | 6.3M | 0 | 8.0M | 1.8M | 2.0M | 0 | 0 | 3.7M | 2.3M | 0 | 2.6M |
| Buyback Yield | 0.1% | 2.7% | 2.2% | N/A | 2.4% | 0.4% | 0.6% | N/A | N/A | 0.8% | 0.4% | N/A | 298.3% |
| Stock-Based Comp | 1.3M | 1.1M | 1.3M | 1.5M | 1.4M | 1.6M | 892K | 843K | 1.6M | 1.2M | 1.8M | 2.3M | 2.4M |
| Debt Repayment | 4.9M | 2.7M | 9.0M | 3.7M | 1.9M | 1.7M | 3.4M | 1.3M | 249K | 199K | 116K | 22M | 22M |
| Balance Sheet | |||||||||||||
| Net Debt | -316M | -413M | -543M | -518M | -486M | -769M | -1.2B | -1.7B | -957M | -614M | -767M | -1.1B | -1.3B |
| Cash & Equiv. | 55M | 51M | 48M | 58M | 62M | 378M | 929M | 1.0B | 601M | 312M | 392M | 530M | 1.3B |
| Long-Term Debt | 31M | 28M | 15M | 14M | 8.6M | 6.5M | 3.1M | 884K | 513K | 314K | 28K | 35K | 10K |
| Debt/Equity | 0.30 | 0.33 | 0.10 | 0.08 | 0.07 | 0.04 | 0.26 | 0.09 | 0.15 | 0.08 | 0.06 | 0.09 | 0.06 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 273M | 274M | 275M | 284M | 303M | 327M | 321M | 383M | 387M | 441M | 495M | 553M | 560M |
| Total Assets | 2.6B | 2.8B | 2.8B | 2.9B | 3.0B | 3.1B | 3.8B | 4.3B | 4.5B | 4.3B | 4.3B | 4.4B | 4.5B |
| Total Liabilities | 2.4B | 2.5B | 2.6B | 2.6B | 2.7B | 2.8B | 3.5B | 3.9B | 4.1B | 3.9B | 3.8B | 3.8B | 3.9B |
| Intangibles | 0 | N/A | N/A | N/A | N/A | N/A | 0 | 1.5M | 1.3M | 1.1M | 973K | 0 | 0 |
| Retained Earnings | 251M | 258M | 267M | 279M | 300M | 323M | 333M | 365M | 387M | 426M | 464M | 508M | 520M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.53 | 0.53 | 0.69 | 0.64 | 1.54 | 1.83 | 1.88 | 1.98 | 1.97 | 3.07 | 3.12 | 3.60 | 925.11 |
| Owner EPS | 0.99 | 1.52 | 0.85 | 1.81 | 1.57 | 2.72 | -3.38 | 0.81 | 4.92 | 2.68 | 3.19 | 4.55 | -1,616.06 |
| Book Value | 15.60 | 15.95 | 16.16 | 16.74 | 17.77 | 19.43 | 19.10 | 22.72 | 22.83 | 25.89 | 29.21 | 32.33 | 32,655.55 |
| Cash Flow/Share | 1.44 | 1.96 | 1.33 | 2.28 | 2.03 | 3.19 | -2.89 | 7.24 | 5.47 | 3.22 | 3.75 | 5.12 | 9,767.93 |
| Dividends/Share | 0.09 | 0.13 | 0.17 | 0.24 | 0.32 | 0.48 | 0.57 | 0.62 | 0.66 | 0.76 | 0.88 | 1.00 | 1,026.42 |
| Shares Out. | 17.5M | 17.2M | 17.0M | 17.0M | 17.0M | 16.8M | 16.8M | 16.9M | 17.0M | 17.0M | 17.0M | 17.1M | 0.0M |
| Valuation | |||||||||||||
| P/E Ratio | 24.1 | 23.9 | 24.8 | 30.9 | 12.6 | 14.3 | 11.7 | 12.4 | 15.3 | 9.5 | 11.4 | 11.8 | 0.1 |
| P/FCF | 11.2 | 7.5 | 16.0 | 9.6 | 10.0 | 8.8 | N/A | 3.5 | 5.9 | 10.4 | 11.0 | 9.1 | 0.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.8 | 0.8 | 1.1 | 1.2 | 1.1 | 1.3 | 1.2 | 1.1 | 1.3 | 1.1 | 1.2 | 1.3 | 0.0 |
| Price/Sales | 1.5 | 1.6 | 1.6 | 2.2 | 2.4 | 2.3 | 1.5 | 1.8 | 2.3 | 2.1 | 2.2 | 2.6 | 0.0 |
| FCF Yield | 9.0% | 13.3% | 6.2% | 10.4% | 10.0% | 11.3% | -15.8% | 28.3% | 16.9% | 9.7% | 9.1% | 11.0% | 8499.3% |
| Market Cap | 223M | 218M | 292M | 335M | 330M | 440M | 370M | 413M | 512M | 494M | 606M | 729M | 885K |
| Avg. Price | 11.11 | 12.39 | 12.51 | 17.80 | 20.31 | 21.59 | 19.24 | 22.77 | 27.28 | 28.67 | 30.05 | 38.58 | 51.60 |
| Year-End Price | 12.79 | 12.67 | 17.13 | 19.76 | 19.39 | 26.14 | 22.00 | 24.47 | 30.16 | 29.03 | 35.71 | 42.62 | 51.60 |
CAPITAL CITY BANK GROUP INC passes 5 of 9 quality checks, suggesting mixed fundamentals.
CAPITAL CITY BANK GROUP INC trades at 14.3x trailing earnings, compared to its 15-year median P/E of 12.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 11.1x vs a median of 9.6x. The company's 5-year average ROIC is 10.8% with a gross margin of 90.9%. Total shareholder yield (dividends + buybacks) is 2287.5%. At current prices, the estimated annualized return to fair value is +15.4%.
CAPITAL CITY BANK GROUP INC (CCBG) reported annual revenue of $287 million in its most recent fiscal year, based on SEC EDGAR filings.
CAPITAL CITY BANK GROUP INC (CCBG) has a net profit margin of 21.5%. This is a strong margin indicating high profitability.
CAPITAL CITY BANK GROUP INC (CCBG) generated $80 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CAPITAL CITY BANK GROUP INC (CCBG) has a debt-to-equity ratio of 0.09. This indicates a conservatively financed balance sheet.
CAPITAL CITY BANK GROUP INC (CCBG) reported earnings per share (EPS) of $3.60 in its most recent fiscal year.
CAPITAL CITY BANK GROUP INC (CCBG) has a return on equity (ROE) of 11.7%. This indicates moderate shareholder returns.
CAPITAL CITY BANK GROUP INC (CCBG) has a 5-year average gross margin of 90.9%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for CAPITAL CITY BANK GROUP INC (CCBG), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CAPITAL CITY BANK GROUP INC (CCBG) has a book value per share of $32.33, based on its most recent annual SEC filing.
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