CCBG Valuation

Capital City Bank Group Inc

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39.390

+0.49(1.260%)1D

CCBG Relative Valuation

CCBG's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CCBG is overvalued; if below, it's undervalued.

Historical Valuation

Capital City Bank Group Inc (CCBG) is now in the Fair zone, suggesting that its current forward PE ratio of 11.01 is considered Fairly compared with the five-year average of 11.30. The fair price of Capital City Bank Group Inc (CCBG) is between 34.88 to 44.37 according to relative valuation methord.

Relative Value

Fair Zone

34.88-44.37

Current Price：39.27

Fair

11.15

Trailing

Forward

0.00

EV/EBITDA

Capital City Bank Group Inc. (CCBG) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Capital City Bank Group Inc. (CCBG) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

39.39

Capital City Bank Group Inc. (CCBG) has a current PS of 39.39. The 5-year average PS is 2.37. The thresholds are as follows: Strongly Undervalued below -2.41, Undervalued between -2.41 and -0.02, Fairly Valued between 4.76 and -0.02, Overvalued between 4.76 and 7.15, and Strongly Overvalued above 7.15. The current Forward PS of 39.39 falls within the Strongly Overvalued range.

0.00

P/OCF

Capital City Bank Group Inc. (CCBG) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Capital City Bank Group Inc. (CCBG) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Capital City Bank Group Inc (CCBG) has a current Price-to-Book (P/B) ratio of 1.23. Compared to its 3-year average P/B ratio of 1.25 , the current P/B ratio is approximately -1.87% higher. Relative to its 5-year average P/B ratio of 1.27, the current P/B ratio is about -3.21% higher. Capital City Bank Group Inc (CCBG) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 10.93%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 10.79% , the current FCF yield is about -100.00% lower.

1.24

P/B

Median3y

1.25

Median5y

1.27

0.12

FCF Yield

Median3y

10.93

Median5y

10.79

Competitors Valuation Multiple

The average P/S ratio for CCBG's competitors is 28.96, providing a benchmark for relative valuation. Capital City Bank Group Inc Corp (CCBG) exhibits a P/S ratio of 39.39, which is 36.02% above the industry average. Given its robust revenue growth of -20.93%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CCBG.O

Capital City Bank Group Inc

Metrocity Bankshares Inc

Orrstown Financial Services Inc

Performance Decomposition

Market capitalization of CCBG increased by 0.67% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 22.90 to 36.62.

The secondary factor is the Revenue Growth, contributed -20.93%to the performance.

Overall, the performance of CCBG in the past 1 year is driven by Margin Expansion. Which is more sustainable.

-20.93%

55.09M → 43.56M

Revenue Growth

59.91%

22.90 → 36.62

Margin Expansion

-38.31%

17.88 → 11.03

P/E Change

0.67%