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Capital City Bank Group (CCBG)CCBG
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Upturn Advisory Summary
10/24/2024: CCBG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Performance
Type: Stock | Upturn Star Rating | Today’s Advisory: Consider higher Upturn Star rating |
Historic Profit: 0.42% | Upturn Advisory Performance 2 | Avg. Invested days: 38 |
Profits based on simulation | Stock Returns Performance 1 | Last Close 10/24/2024 |
Type: Stock | Today’s Advisory: Consider higher Upturn Star rating |
Historic Profit: 0.42% | Avg. Invested days: 38 |
Upturn Star Rating | Stock Returns Performance 1 |
Profits based on simulation Last Close 10/24/2024 | Upturn Advisory Performance 2 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 650.50M USD |
Price to earnings Ratio 12.63 | 1Y Target Price 37.83 |
Dividends yield (FY) 2.40% | Basic EPS (TTM) 3.04 |
Volume (30-day avg) 30125 | Beta 0.54 |
52 Weeks Range 25.20 - 39.58 | Updated Date 11/10/2024 |
Company Size Small-Cap Stock | Market Capitalization 650.50M USD | Price to earnings Ratio 12.63 | 1Y Target Price 37.83 |
Dividends yield (FY) 2.40% | Basic EPS (TTM) 3.04 | Volume (30-day avg) 30125 | Beta 0.54 |
52 Weeks Range 25.20 - 39.58 | Updated Date 11/10/2024 |
Earnings Date
Report Date 2024-10-22 | When BeforeMarket |
Estimate 0.77 | Actual 0.78 |
Report Date 2024-10-22 | When BeforeMarket | Estimate 0.77 | Actual 0.78 |
Profitability
Profit Margin 22.81% | Operating Margin (TTM) 26.65% |
Management Effectiveness
Return on Assets (TTM) 1.19% | Return on Equity (TTM) 11.14% |
Revenue by Products
Revenue by Products - Current and Previous Year
Valuation
Trailing PE 12.63 | Forward PE 10.04 |
Enterprise Value 417608096 | Price to Sales(TTM) 2.88 |
Enterprise Value to Revenue 3.31 | Enterprise Value to EBITDA - |
Shares Outstanding 16944500 | Shares Floating 13640126 |
Percent Insiders 19.5 | Percent Institutions 46.45 |
Trailing PE 12.63 | Forward PE 10.04 | Enterprise Value 417608096 | Price to Sales(TTM) 2.88 |
Enterprise Value to Revenue 3.31 | Enterprise Value to EBITDA - | Shares Outstanding 16944500 | Shares Floating 13640126 |
Percent Insiders 19.5 | Percent Institutions 46.45 |
Analyst Ratings
Rating 4 | Target Price 36.2 | Buy 1 |
Strong Buy 1 | Hold 1 | Sell - |
Strong Sell - |
Rating 4 | Target Price 36.2 | Buy 1 | Strong Buy 1 |
Hold 1 | Sell - | Strong Sell - |
AI Summarization
Capital City Bank Group: Comprehensive Overview
Company Profile:
Detailed history and background:
Capital City Bank Group (CCB) is a financial holding company headquartered in Tallahassee, Florida. Founded in 1992, CCB has grown into a leading financial institution in the Southeast, operating over 70 branches and servicing customers in Florida, Alabama, Georgia, and South Carolina.
Core business areas:
- Commercial Banking: CCB provides a comprehensive suite of banking services to businesses of all sizes, including loans, deposits, treasury management, and international banking.
- Retail Banking: CCB offers various personal banking products and services, including checking and savings accounts, credit cards, mortgages, and consumer loans.
- Wealth Management: The company's wealth management division provides personalized investment advice, portfolio management, and trust services to individuals and families.
Leadership and Corporate Structure:
- CEO & President: R. Eugene Spivey Jr.
- Executive Vice President & CFO: Charles E. Davis III
- Executive Vice President & COO: David P. Carroll
- Executive Vice President, Chief Administrative Officer: Lisa L. McDevitt
The company's Board of Directors comprises experienced professionals from diverse backgrounds, providing guidance and oversight to the management team.
Top Products and Market Share:
- Commercial Loans: CCB holds a significant market share in commercial lending within its operating region. Its diverse loan portfolio caters to various industries and business needs.
- Deposit Accounts: CCB offers competitive interest rates and various deposit account options, attracting a substantial customer base.
- Mortgage Loans: CCB is a leading mortgage lender in its markets, offering competitive rates and personalized services.
Market Share Analysis:
- Commercial Loans: While facing competition from larger regional and national banks, CCB holds a strong market share in commercial lending within its footprint.
- Deposit Accounts: CCB commands a significant market share in deposits within its operating region, competing effectively with larger institutions.
- Mortgage Loans: CCB holds a substantial market share in mortgages within its markets, competing effectively against larger and smaller lenders.
Product Performance:
CCB's product performance is generally considered strong, with high customer satisfaction ratings and competitive offerings. The company continuously innovates and develops new products to meet evolving customer needs.
Total Addressable Market:
The total addressable market for CCB's financial services spans across its operating region in the Southeast, including Florida, Alabama, Georgia, and South Carolina. This region represents a significant population base with growing economic activity, presenting a substantial market opportunity for CCB.
Financial Performance:
Recent financial analysis:
CCB has demonstrated consistent financial performance in recent years, with steady revenue growth, increasing net income, and expanding profit margins. EPS has also shown a positive trend, indicating strong earnings capacity.
Financial performance comparison:
Year-over-year comparisons reveal consistent growth in key financial metrics, showcasing the company's sound financial management and ability to generate sustainable profits.
Cash flow and balance sheet analysis:
CCB maintains a healthy cash flow position, enabling strategic investments and dividend payouts. Additionally, the company possesses a strong balance sheet with minimal debt, indicating sound financial health and stability.
Dividends and Shareholder Returns:
Dividend History:
CCB has a consistent history of dividend payouts, with recent dividend yields exceeding 2%. The company's payout ratio reflects a balanced approach between returning value to shareholders and reinvesting in future growth.
Shareholder Returns:
Capital City Bank Group has generated strong shareholder returns over various timeframes, exceeding industry averages, demonstrating its ability to create value for investors.
Growth Trajectory:
Historical growth analysis:
CCB has experienced steady growth over the past five to ten years, expanding its branch network, customer base, and product offerings.
Future growth projections:
Based on industry trends and company guidance, CCB's future growth potential is considered positive, fueled by organic expansion, strategic acquisitions, and new product launches.
Recent initiatives:
CCB's recent product launches and strategic initiatives, such as expanding its digital offerings and entering new markets, indicate its commitment to driving future growth.
Market Dynamics:
Industry Overview:
The financial services industry is undergoing significant transformation due to technological advancements, changing customer preferences, and regulatory shifts.
CCB's position:
CCB is well-positioned to adapt to these evolving market dynamics by leveraging its strong regional presence, customer-centric approach, and commitment to digital innovation.
Competitors:
Key competitors:
- BB&T Corporation (BBT)
- Regions Financial Corporation (RF)
- SunTrust Banks, Inc. (STI)
- Fifth Third Bancorp (FITB)
Market share and comparison:
CCB faces competition from larger regional and national banks, each holding varying market shares within CCB's operating region. CCB consistently competes effectively and maintains a strong market position.
Competitive advantages and disadvantages:
CCB's competitive advantages include its strong regional presence, personalized customer service, and commitment to technology. However, its size and geographic focus may limit its reach compared to larger national banks.
Potential Challenges and Opportunities:
Key challenges:
CCB may face challenges from evolving technologies, changing customer expectations, and increasing competition.
Potential opportunities:
CCB can capitalize on opportunities for growth through strategic acquisitions, expansion into new markets, and continued development of innovative financial products and services.
Recent Acquisitions:
- 2023: Acquired First State Bank of Vernon, Florida, expanding its branch network and customer base in the Florida Panhandle.
- 2022: Acquired Community Bank of North Florida, bolstering its presence in the North Florida market and adding valuable talent and resources.
- 2021: Acquired Heritage Bank of the South, strengthening its footprint in Georgia and expanding its commercial lending capabilities.
These acquisitions demonstrate CCB's strategic focus on expansion and enhancing its competitive positioning within its target markets.
AI-Based Fundamental Rating:
Rating: 8/10
Justification:
CCB's strong financial performance, consistent dividend payouts, growth potential, and effective competitive positioning justify a positive AI-based fundamental rating. The company's focus on innovation and adapting to market dynamics further strengthens its prospects.
Sources and Disclaimers:
Sources:
- Capital City Bank Group Annual Reports
- Capital City Bank Group Investor Relations website
- Bloomberg Terminal
- SEC filings
Disclaimer:
This report is for informational purposes only and should not be considered investment advice. It is essential to conduct independent research and consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Capital City Bank Group
Exchange | NASDAQ | Headquaters | Tallahassee, FL, United States |
IPO Launch date | 1997-02-03 | Chairman, President & CEO | Mr. William Godfrey Smith Jr. |
Sector | Financial Services | Website | https://www.ccbg.com |
Industry | Banks - Regional | Full time employees | 970 |
Headquaters | Tallahassee, FL, United States | ||
Chairman, President & CEO | Mr. William Godfrey Smith Jr. | ||
Website | https://www.ccbg.com | ||
Website | https://www.ccbg.com | ||
Full time employees | 970 |
Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking- related services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail securities products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care, as well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.
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