Capital City Bank Group, Inc. (CCBG) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Heritage Commerce Corp.

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Univest Financial Corp.

Amalgamated Financial Corp.

Heritage Financial Corp. (Washington)

HBT Financial, Inc.

Capital City Bank Group, Inc.

Coastal Financial Corp. (Washington)

First Community Bancshares, Inc. (Virginia)

Premier Financial Corp.

Great Southern Bancorp, Inc. (Missouri)

Why is Capital City Bank Group, Inc. ?

High Profitability with a Net Interest Margin of 5.71%

The Bank has a high Capital Adequacy Ratio of 15.99% signifying high buffers against its risk based assets

Flat results in Mar 26

GROSS NPA (%)(Q) Highest at 0.44%
CASH AND EQV(HY) Lowest at USD 126.4 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 67.13%

With ROA of 0.81%, it has a fair valuation with a 1.33 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 29.51%, its profits have risen by 16.3% ; the PEG ratio of the company is 0.8

High Institutional Holdings at 53.36%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.54% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Capital City Bank Group, Inc.

29.51%

3.12

24.87%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

13.99%

EBIT Growth (5y)

1.29%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

27.78%

Pledged Shares

Institutional Holding

53.36%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.33

EV to EBIT

3.78

EV to EBITDA

3.43

EV to Capital Employed

2.94

EV to Sales

1.37

PEG Ratio

0.77

Dividend Yield

2.37%

ROCE (Latest)

77.72%

ROE (Latest)

11.13%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Bullish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 76.82 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

-5What is not working for the Company

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 126.4 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 67.13%

Here's what is working for Capital City Bank Group, Inc.

Operating Cash Flow

Highest at USD 76.82 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Capital City Bank Group, Inc.

Non Performing Loans (%)

Highest at 0.44% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Cash and Eqv

Lowest at USD 126.4 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Credit Deposit Ratio

Lowest at 67.13%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)