ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Capital City Bank Group, Inc. ?
1
High Profitability with a Net Interest Margin of 8.41%
2
The Bank has a high Capital Adequacy Ratio of 15.99% signifying high buffers against its risk based assets
3
Flat results in Jun 25
- ROCE(HY) Lowest at 1.35%
4
With ROA of 0.98%, it has a fair valuation with a 1.25 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 7.04%, its profits have risen by 11.2% ; the PEG ratio of the company is 1
5
High Institutional Holdings at 50.29%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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.
8.24%
2.13
27.25%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.67%
EBIT Growth (5y)
7.25%
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
28.22%
Pledged Shares
0
Institutional Holding
50.29%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.25
EV to EBIT
2.83
EV to EBITDA
2.53
EV to Capital Employed
3.39
EV to Sales
0.93
PEG Ratio
0.98
Dividend Yield
177.46%
ROCE (Latest)
120.01%
ROE (Latest)
11.16%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 77.3 MM
NII(Q)
Highest at USD 43.18 MM
ROCE(HY)
Highest at 1.35%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 51.46 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.35%
Here's what is working for Capital City Bank Group, Inc.
NII
Highest at USD 43.18 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 77.3 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 51.46 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
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)
CASA
Highest at 18.38%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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