ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Capital City Bank Group, Inc. ?
1
High Profitability with a Net Interest Margin of 5.67%
2
The Bank has a high Capital Adequacy Ratio of 15.99% signifying high buffers against its risk based assets
3
Flat results in Dec 25
- ROCE(HY) Lowest at 1.41%
- GROSS NPA (%)(Q) Highest at 0.34%
- CASH AND EQV(HY) Lowest at USD 130.59 MM
4
With ROA of 0.83%, it has a fair valuation with a 1.32 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 17.15%, its profits have risen by 16.3% ; the PEG ratio of the company is 0.8
5
High Institutional Holdings at 52.82%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.14% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Capital City Bank Group, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Capital City Bank Group, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Capital City Bank Group, Inc.
17.15%
2.09
27.07%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.99%
EBIT Growth (5y)
1.46%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
27.78%
Pledged Shares
0
Institutional Holding
52.82%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.32
EV to EBIT
3.58
EV to EBITDA
3.34
EV to Capital Employed
2.89
EV to Sales
1.34
PEG Ratio
0.77
Dividend Yield
2.39%
ROCE (Latest)
80.57%
ROE (Latest)
11.13%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
ROCE(HY)
Highest at 1.41%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 51.72 MM
-6What is not working for the Company
ROCE(HY)
Lowest at 1.41%
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at USD 130.59 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 69.52%
Here's what is working for Capital City Bank Group, Inc.
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 51.72 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Here's what is not working for Capital City Bank Group, Inc.
Non Performing Loans (%)
Highest at 0.34%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Cash and Eqv
Lowest at USD 130.59 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 69.52%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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