CCBG

Capital City Bank Group, Inc.

$38.01

1.11

(3.01%)

Exchange:	NASDAQ
Market Cap:	648.257M
Shares Outstanding:	13.348M

Overview

Earnings

Financials

Valuation

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About The Company

Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking and 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 of December 31, 2021, it operated through 57 banking offices and 86 ATMs/ITMs in Florida, Georgia, and Alabama. The company was founded in 1895 and is headquartered in Tallahassee, Florida.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	130,442	131,646	134,728	144,069	156,396	206,659	203,837	212,553	223,614	226,503
? Cost Of Revenue	0	0	0	5,978	0	0	0	0	3,012	0
? Gross Profit	130,442	131,646	134,728	138,091	156,396	206,659	203,837	212,553	220,602	226,503
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	65,414	64,984	64,877	63,921	66,352	97,671	105,479	99,908	96,692	102,183
? Selling And Marketing Expenses	1,391	1,702	1,731	1,611	2,056	2,998	2,683	3,208	3,349	3,111
? Operating Expenses	-113,560	-110,844	-107,714	-101,555	-115,636	-164,853	-160,606	-155,433	223,614	226,503
? Net Interest Income	0	0	0	0	0	0	0	0	0	158,938
? Interest Income	79,658	81,154	86,930	99,395	112,836	106,197	106,351	131,348	181,068	194,657
? Interest Expense	3,307	3,189	3,948	6,891	9,493	4,871	3,490	6,888	22,080	35,719
? Depreciation And Amortization	6,586	6,975	6,558	6,453	6,253	7,230	7,607	7,596	7,918	7,831
? EBITDA	20,161	24,588	29,624	36,098	47,013	60,114	57,165	57,853	-3,172	0
? EBIT										-7,831
? Operating Income	16,882	20,802	27,014	36,536	40,760	41,806	43,231	57,120	-3,012	0
? Income Before Tax	13,575	17,613	23,066	29,645	40,760	52,884	49,451	50,097	63,861	65,568
? Income Tax Expense	4,459	5,867	12,203	3,421	9,953	10,230	9,835	10,085	13,040	13,924
? Net Income From Continuing Operations										51,644
? Net Income	9,116	11,746	10,863	26,224	30,807	42,654	33,396	33,412	52,258	52,915
? EPS (Earnings Per Share)	0.530	0.690	0.640	1.540	1.840	2.540	1.980	2.370	3.080	3.120
? EPS Diluted	0.530	0.690	0.640	1.540	1.830	2.540	1.980	2.360	3.070	3.120
? Weighted Average Shares Outstanding	17,273	16,989	16,952	17,029	16,770	16,785	16,863	16,951	16,987	16,943
? Weighted Average Shares Outstanding Diluted	17,318	17,061	17,013	17,072	16,827	16,822	16,893	16,985	17,023	16,969
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	51,288	48,268	58,419	62,032	60,087	67,919	65,313	72,114	83,118	70,543
? Short Term Investments	451,028	522,734	480,911	446,157	403,601	324,870	654,611	413,294	337,902	425,918
? Cash And Short Term Investments	502,316	571,002	539,330	508,189	463,688	392,789	719,924	485,408	421,020	496,461
? Net Receivables	0	0	0	0	0	0	0	0	0	0
? Accounts Receivables										0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Total Current Assets	1,975,310	1,964,811	2,024,695	2,123,705	463,688	392,789	719,924	485,408	312,067	496,461
? Property Plant Equipment Net	98,819	95,476	91,698	87,190	84,543	86,791	83,412	82,138	108,266	81,952
? Goodwill	84,811	84,811	84,811	84,811	84,811	89,095	93,253	93,093	91,893	0
? Intangible Assets	0	0	0	0	84,811	89,095	93,253	93,093	1,133	0
? Long Term Investments	638,920	700,099	697,590	663,477	643,140	494,809	995,073	1,074,048	966,374	972,899
? Total Non Current Assets	822,550	880,386	874,099	835,478	812,494	670,695	1,171,738	1,249,279	3,982,308.999	3,828,471
? Total Assets	2,797,860	2,845,197	2,899,192	2,959,183	3,088,953	3,798,071	4,263,849	4,525,958	4,304,477	4,324,932
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	61,058	12,749	7,480	13,541	6,404	79,654	34,557	50,211	8,384	2,064
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	61,058	12,749	7,480	13,541	6,404	79,654	34,557	56,793	3,175,787	0
? Long Term Debt	91,152	67,768	66,854	61,455	59,401	55,944	53,771	73,571	53,004	53,681
? Deferred Revenue Non Current	0	0	0	0	0	0	0	0	0	0
? Deferred Tax Liabilities Non Current	0	0	0	0	0	0	0	0	0	0
? Total Non Current Liabilities	91,152	67,768	66,854	61,455	59,401	55,944	53,771	56,793	680,658	0
? Total Liabilities	2,523,508	2,570,029	2,614,767	2,656,596	2,761,937	3,477,234	3,880,683	4,131,942	3,856,445	3,829,615
? Treasury Stock										0
? Preferred Stock	0	0	0	0	0	0	0	0	0	0
? Common Stock	172	168	170	167	168	168	169	170	170	170
? Retained Earnings	258,181	267,037	273,829	300,177	322,937	332,528	364,788	393,744	426,275	463,949
? Additional Paid In Capital										37,684
? Total Stockholders Equity	274,352	275,168	284,425	302,587	327,016	320,837	383,166	394,016	448,032	495,317
? Total Equity	274,352	275,168	284,425	302,587	327,016	320,837	383,166	394,016	448,032	495,317
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	2,797,860	2,845,197	2,899,192	2,959,183	3,088,953	3,798,071	4,263,849	4,525,958	4,304,477	4,324,932
? Total Investments	1,089,948	1,222,833	1,178,501	1,109,634	1,046,741	819,679	1,649,684	1,487,342	1,304,276	1,398,817
? Total Debt	152,210	80,517	74,334	74,996	65,805	135,598	88,328	110,193	61,586	55,745
? Net Debt	100,922	32,249	15,915	12,964	5,718	67,679	23,015	38,079	-21,532	-14,798
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	9,116	11,746	10,863	26,224	30,807	31,576	33,396	40,147	52,258	52,915
? Depreciation And Amortization	6,586	6,975	6,558	6,453	6,253	7,230	7,714	7,756	7,918	7,831
? Deferred Income Tax	3,847	3,457	7,576	4,837	1,225	-53	-4,157	-1,583	-483	-1,032
? Stock Based Compensation	1,109	1,260	1,502	1,421	1,569	892	843	1,630	1,237	1,802
? Change In Working Capital	4,194	-9,470	-3,468	-9,774	8,744	2,115	2,874	93	-5,481	339
? Accounts Receivables	0	0	0	0	0	0	0	0	0	0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	33,761	22,621	38,777	34,626	53,689	-48,611	115,924	60,565	57,253	63,573
? Investments In Property Plant And Equipment	-4,703	-4,450	-3,997	-1,458	-3,759	-9,738	-5,193	-6,322	-7,046	-8,688
? Acquisitions Net	0	0	0	1,458	-64,864	3,361	2,657	2,867	0	0
? Purchases Of Investments	-256,777	-242,006	-262,330	-235,323	-211,871	-140,978	-775,486	-272,103	-23,428	-199,978
? Sales Maturities Of Investments	116,934	173,649	256,476	261,463	230,445	285,750	257,464	140,275	140,008	195,696
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	68,352
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	-6,558
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	678
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-7,236
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	-2,330
? Net Dividends Paid	-2,241	-2,890	-4,071	-5,457	-8,047	-9,567	-10,459	-11,191	-12,905	-14,906
? Common Dividends Paid										-14,906
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	157,141	31,882	48,146	49,951	95,609	631,331	438,601	238,429	-274,824	-52,138
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	-6,151	-82,858	-10,605	-9,442	102,423	550,126	106,805	-434,704	-288,583	79,787
? Cash At End Of Period	378,905	296,047	285,442	276,000	378,423	928,549	1,035,354	600,650	312,067	391,854
? Cash At Beginning Of Period	385,056	378,905	296,047	285,442	276,000	378,423	928,549	1,035,354	600,650	312,067
? Operating Cash Flow	33,761	22,621	38,777	34,626	53,689	-48,611	115,924	60,565	57,253	63,573
? Capital Expenditure	-4,703	-4,450	-3,997	-1,458	-3,759	-9,738	-5,193	-6,322	-7,046	-8,688
? Free Cash Flow	29,058	18,171	34,780	33,168	49,930	-58,349	110,731	54,243	50,207	54,885
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	135,625.199	144,164.655	155,841.865	212,362.052	211,396.238	218,072.945	229,683.553	233,687.821	244,355.312	253,278.119
Estimated Revenue (High)	136,590.134	145,190.344	156,950.634	213,872.947	212,900.261	218,857.054	229,783.112	235,112.178	245,844.687	254,821.880
Estimated Revenue (Avg)	136,107.667	144,677.500	156,396.250	213,117.500	212,148.250	218,465	229,733.333	234,400	245,100	254,050
Estimated Ebitda (Low)	25,794.938	35,060.366	41,786.565	40,166.653	41,877.280	43,997.399	49,721.659	52,810.098	55,220.798	57,237.224
Estimated Ebitda (High)	38,692.408	52,590.549	62,679.848	60,249.979	62,815.921	65,996.100	74,582.490	53,131.982	55,557.375	57,586.092
Estimated Ebitda (Avg)	32,243.673	43,825.458	52,233.207	50,208.316	52,346.601	54,996.750	62,152.075	52,971.040	55,389.087	57,411.658
Estimated Net Income (Low)	8,158.131	21,497.670	22,728.745	22,950.943	25,532.319	26,838.116	41,806.397	52,167.327	51,771.542	53,919.334
Estimated Net Income (High)	12,237.197	32,246.503	34,093.118	34,426.416	38,298.479	40,257.175	62,709.601	52,580.985	52,182.137	54,346.952
Estimated Net Income (Avg)	10,197.664	26,872.087	28,410.932	28,688.680	31,915.399	33,547.646	52,258	52,374.156	52,100	54,133.143
Estimated SGA Expense (Low)	50,441.587	58,310.479	54,392.712	80,589.396	84,723.483	90,779.766	102,318.486	110,979.546	116,045.593	120,283.079
Estimated SGA Expense (High)	75,662.380	87,465.719	81,589.069	120,884.094	127,085.224	136,169.649	153,477.728	111,655.981	116,752.904	121,016.219
Estimated SGA Expense (Avg)	63,051.984	72,888.099	67,990.891	100,736.745	105,904.354	113,474.708	127,898.107	111,317.764	116,399.249	120,649.650
Estimated EPS (Avg)	0.880	1.390	1.780	1.920	2.040	2.420	3.100	3.080	3.050	3.180
Estimated EPS (High)	0.890	1.400	1.790	1.930	2.050	2.430	3.140	3.090	3.070	3.190
Estimated EPS (Low)	0.880	1.380	1.770	1.910	2.030	2.420	3.060	3.060	3.040	3.170
Number of Analysts (Estimated Revenue)	5	5	1	1	2	1	3	1	1	1
Number of Analysts (Estimated EPS)	4	4	1	1	1	1	3	2	1	2

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Current Key Metrics

?	Revenue (TTM) :	271.966M	?	P/S (TTM) :	2.36
?	Net Income (TTM) :	52.915M	?	P/E (TTM) :	10.98
?	Enterprise Value (TTM) :	641.686M	?	EV/FCF (TTM) :	10.36
?	Dividend Yield (TTM) :	0.03	?	Payout Ratio (TTM) :	0.27
?	ROE (TTM) :	0.12	?	ROIC (TTM) :	0.08
?	Net Debt (TTM) :	36.981M	?	Debt/Equity (TTM) :	0.18
?	P/B (TTM) :	1.23	?	Current Ratio (TTM) :	0.14