Capital City Bank Group, Inc.

$ 47.48 1.95 %

Capital City Bank Group, Inc. functions as the financial holding company for Capital City Bank, delivering a comprehensive array of financial services to both individual consumers and businesses. Its commercial offerings encompass financing for business properties, equipment, inventories, and accounts receivable, in addition to commercial leasing, letters of credit, treasury management solutions, and merchant credit card transaction processing. The institution also offers commercial and residential real estate loans, including both fixed and adjustable-rate mortgages for homes, along with personal loans for vehicles, recreational vehicles, and home equity, as well as various credit card options. Furthermore, it delivers specialized institutional banking services to a diverse clientele, including state and local governments, public educational institutions, charities, membership organizations, and non-profit associations. These services feature tailored checking and savings accounts, sophisticated cash management systems, tax-exempt loans, lines of credit, and term financing. For its consumer base, the bank provides a full spectrum of services such as checking and savings accounts, access to interactive and automated teller machines (ATMs/ITMs), debit and credit cards, night deposit boxes, safe deposit facilities, and modern online and mobile banking capabilities. The company also offers individual asset management solutions, including agency accounts, personal trusts, IRAs, and personalized investment management. Its retail securities product offerings extend to U.S. government and tax-free municipal bonds, equities, mutual funds, unit investment trusts, annuities, life insurance, and long-term healthcare plans. As of December 31, 2021, its operational footprint included 57 banking branches and 86 ATM/ITM locations spanning Florida, Georgia, and Alabama. Established in 1895, Capital City Bank Group maintains its corporate headquarters in Tallahassee, Florida.

CEO: William Godfrey Smith Jr. - https://www.ccbg.com

Price objectif

$49.5 4.25 %

Recommandation

Hold

DCF

$ 68.91

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CCBG vs S&P500

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Quick ratio

1.00

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

13.45

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

3.53

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

11.10 %

reflects reasonable profitability, showing good use of equity.

ROIC

8.80 %

generates a return higher than the cost of its capital, thereby creating value for its investors.

WACC

8.03

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.12

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

5.45

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

29.08 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
8 indicates good financial health
Altman score
0.42 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.13 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.02 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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