Capital City Bank Group, Inc. Financial Ratios — CCBG Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	1.92	0.04	2.31	3.37	3.33	4.28	3.88	8.94	9.79	9.43	9.05	8.45	12.38	11.22	11.75
Return on Assets (%)	0.19	- -	0.23	0.35	0.34	0.42	0.38	0.9	1.02	0.92	0.83	0.76	1.18	1.23	1.41
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.06	5.33	5.18	5.38	5.05	5.57	5.1	4.67	4.15	3.5	3.78	4	3.61	3.46	3.07
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	3.76	-0.91	6.25	9.01	10.41	14.07	17.95	21.47	27.06	25.59	24.26	21.21	28.56	28.95	33.43
Profit Margin (%)	3.33	0.08	4.74	7.65	6.99	9.38	8.46	18.99	20.45	15.28	16.38	17.25	23.37	23.36	25.18
Net Income to Common Margin (%)	3.33	0.08	4.74	7.65	6.99	9.38	8.46	18.99	20.45	15.28	16.38	17.25	23.37	23.36	25.18
Effective Tax Rate (%)	11.38	- -	24.15	15.15	32.85	33.31	52.9	11.54	24.42	19.34	19.89	18.98	20.42	21.24	24.67
Dvd Payout Ratio (%)	105	- -	- -	16.93	24.58	24.6	37.48	20.81	26.12	17.81	22.82	33.77	26.13	29.59	27.72
Sustainable Growth Rate (%)	-0.1	0.04	2.31	2.8	2.51	3.22	2.43	7.08	7.23	7.75	6.99	5.6	9.15	7.9	8.49

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	151	157	152	143	152	81	74	75	66	136	88	104	62	56	71
ST Debt	43	47	51	49	61	13	7	14	6	80	35	50	8	2	28
LT Debt	107	110	101	94	91	68	67	61	59	56	54	53	53	54	43
Total Debt/EBITDA	20.26	21.86	23.05	21.99	23.11	11.54	11.33	11.62	10.52	18.75	11.45	13.36	7.62	7.12	9.49
Net Debt/EBITDA	12.88	12.65	14.69	13.48	15.32	4.62	2.43	2.01	0.91	9.36	2.98	4.06	-2.67	-1.89	1.22
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.54	9.37	10.58	10.37	9.81	9.67	9.8	10.23	10.59	9.03	9.26	8.76	10.41	11.45	12.61
Long-Term Debt/Equity (%)	42.67	44.45	36.52	34.48	33.22	24.63	23.52	20.31	18.16	16.32	13.62	13.48	11.87	10.84	7.83
Long-Term Debt/Capital (%)	26.69	27.16	23.55	22.6	21.37	19.05	18.65	16.28	15.12	11.69	11.13	10.69	10.44	9.74	6.93
Long-Term Debt/Total Assets (%)	4.07	4.17	3.86	3.58	3.26	2.38	2.31	2.08	1.92	1.47	1.26	1.18	1.24	1.24	0.99
Total Debt/Equity (%)	59.88	63.66	55.08	52.62	55.48	29.26	26.15	24.78	20.12	39.55	22.37	26.16	13.75	11.25	12.9
Total Debt/Capital (%)	37.45	38.9	35.52	34.48	35.68	22.64	20.73	19.86	16.75	28.34	18.28	20.74	12.08	10.12	11.43
Total Debt/Total Assets (%)	5.71	5.97	5.83	5.46	5.44	2.83	2.56	2.53	2.13	3.57	2.07	2.29	1.43	1.29	1.63
Net Debt to Equity	38.07	36.84	35.11	32.27	36.79	11.72	5.6	4.28	1.75	19.74	5.83	7.95	-4.81	-2.99	1.65
Net Debt/Capital (%)	27.57	26.92	25.99	24.4	26.89	10.49	5.3	4.11	1.72	16.49	5.51	7.37	-5.05	-3.08	1.63
EBITDA	7	7	7	7	7	7	7	6	6	7	8	8	8	8	8
EBITDA-CapEx	5	4	4	1	2	3	3	5	2	-3	3	1	1	-1	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.54	9.37	10.58	10.37	9.81	9.67	9.8	10.23	10.59	9.03	9.26	8.76	10.41	11.45	12.61
Long-Term Debt/Equity (%)	42.67	44.45	36.52	34.48	33.22	24.63	23.52	20.31	18.16	16.32	13.62	13.48	11.87	10.84	7.83
Long-Term Debt/Capital (%)	26.69	27.16	23.55	22.6	21.37	19.05	18.65	16.28	15.12	11.69	11.13	10.69	10.44	9.74	6.93
Long-Term Debt/Total Assets (%)	4.07	4.17	3.86	3.58	3.26	2.38	2.31	2.08	1.92	1.47	1.26	1.18	1.24	1.24	0.99
Total Debt/Equity (%)	59.88	63.66	55.08	52.62	55.48	29.26	26.15	24.78	20.12	39.55	22.37	26.16	13.75	11.25	12.9
Total Debt/Capital (%)	37.45	38.9	35.52	34.48	35.68	22.64	20.73	19.86	16.75	28.34	18.28	20.74	12.08	10.12	11.43
Total Debt/Total Assets (%)	5.71	5.97	5.83	5.46	5.44	2.83	2.56	2.53	2.13	3.57	2.07	2.29	1.43	1.29	1.63
CFO/Total Liabilities	1.57	2.38	1.49	1.07	1.34	0.88	1.48	1.3	1.94	-1.41	3.16	2.25	1.42	1.66	2.29
CFO/CapEx	15.6	19.83	12.96	4.92	7.18	5.08	9.7	23.75	14.28	-4.99	23.53	14.66	7.77	7.32	11.54
Altman's Z-Score	0.23	0.23	0.24	0.26	0.24	0.26	0.27	0.28	0.31	0.25	0.24	0.25	0.27	0.3	0.34

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	164	196	204	271	263	345	390	389	512	413	446	552	499	622	727
- Cash & Cash Equivalents	55	66	55	55	51	48	58	62	60	68	65	72	83	71	62
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	151	157	152	143	152	81	74	75	66	136	88	104	62	56	71
Enterprise Value	-47	-10	50	18	-87	-146	-75	-44	114	156	-186	170	139	204	321
Total Capital	403	404	429	416	427	356	359	378	393	478	483	500	510	551	624
Total Debt/Capital (%)	37.45	38.9	35.52	34.48	35.68	22.64	20.73	19.86	16.75	28.34	18.28	20.74	12.08	10.12	11.43
Total Debt / EV	-3.19	-15.55	3.05	8.18	-1.75	-0.55	-0.99	-1.69	0.58	0.87	-0.48	0.61	0.44	0.27	0.22
EV/Sales	- -	- -	0.39	0.14	- -	- -	- -	- -	0.75	0.75	- -	0.88	0.62	0.9	1.31
EV/EBITDA	- -	- -	7.56	2.69	- -	- -	- -	- -	18.18	21.51	- -	21.95	17.26	26.05	42.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	1.43	0.7	- -	- -	- -	- -	2.12	- -	- -	1.84	2.54	3.21	3.66
EV/Free Cash Flow to Firm	- -	- -	1.33	0.58	- -	- -	- -	- -	1.98	- -	- -	1.72	2.25	2.82	3.37
Diluted Market Cap	164	196	205	272	266	349	390	396	513	413	446	552	501	622	728
Diluted Enterprise Value	260	287	302	360	367	382	406	409	519	481	469	584	479	607	737
EV per Share	- -	- -	2.88	1	- -	- -	- -	- -	6.78	9.26	- -	10.02	8.22	12.02	18.78
TTM Sales	147	135	127	121	130	125	128	138	151	207	204	194	224	227	244
TTM EBITDA	7	7	7	7	7	7	7	6	6	7	8	8	8	8	8
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	38	57	35	25	34	23	39	35	54	-49	122	93	55	64	88
TTM Free Cash Flow to Firm	40	60	38	30	38	27	43	36	57	-39	127	99	62	72	95

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	4.1	3.29	5.46	8.98	6.91	12.91	9.12	10.98	8.93	-10.64	3.5	5.58	8.1	8.61	7.65
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-47	-10	50	18	-87	-146	-75	-44	114	156	-186	170	139	204	321
Low Price	9.43	6.35	10.12	11.56	13.16	12.83	17.68	19.92	21.04	15.61	21.42	24.43	26.12	25.45	32.38
EV/Sales	- -	- -	0.39	0.14	- -	- -	- -	- -	0.75	0.75	- -	0.88	0.62	0.9	1.31
EV/EBITDA	- -	- -	7.56	2.69	- -	- -	- -	- -	18.18	21.51	- -	21.95	17.26	26.05	42.68
Price/Earnings	33.43	1,811.3	33.73	29.24	29.09	29.62	35.8	15.07	16.6	13.07	13.33	16.49	9.57	11.74	11.79
Price/Earnings Average	38.67	1,390.93	34.14	26.02	28.92	22.12	33.54	15.73	13.82	11.74	12.9	15.17	9.97	10.03	10.85
Price/Earnings High	48.3	1,897.33	37.49	30.11	30.94	33.48	40.59	17.5	16.85	16.28	14.64	18.38	11.98	13.08	12.64
Price/Earnings Low	33.01	1,011.59	29	21.75	24.94	18.56	27.59	12.94	11.45	8.3	10.82	12.39	8.49	8.15	8.97
Price/Book Value	0.65	0.79	0.74	0.99	0.96	1.25	1.37	1.28	1.56	1.2	1.13	1.39	1.11	1.26	1.32
Price/Book Value Average	0.75	0.61	0.75	0.89	0.95	0.94	1.28	1.34	1.3	1.08	1.09	1.28	1.16	1.07	1.21
Price/Book Value High	0.94	0.83	0.82	1.02	1.02	1.42	1.55	1.49	1.59	1.5	1.24	1.55	1.39	1.4	1.41
Price/Book Value Low	0.64	0.44	0.64	0.74	0.82	0.79	1.06	1.1	1.08	0.76	0.92	1.05	0.99	0.87	1
Price/Tangible Book Value	0.98	1.21	1.07	1.44	1.39	1.81	1.95	1.78	2.11	1.63	1.48	1.82	1.4	1.55	1.57
Price/Tangible Book Value Average	1.14	0.93	1.08	1.28	1.38	1.35	1.83	1.86	1.76	1.46	1.43	1.68	1.46	1.32	1.44
Price/Tangible Book Value High	1.42	1.27	1.19	1.49	1.48	2.05	2.22	2.07	2.14	2.03	1.62	2.03	1.76	1.72	1.68
Price/Tangible Book Value Low	0.97	0.68	0.92	1.07	1.19	1.14	1.51	1.53	1.46	1.03	1.2	1.37	1.25	1.07	1.19
Price/Sales	1.11	1.45	1.6	2.24	2.03	2.78	3.03	2.86	3.4	2	2.18	2.84	2.24	2.74	2.97
Price/Sales Average	1.29	1.11	1.62	1.99	2.02	2.08	2.84	2.99	2.83	1.79	2.11	2.62	2.33	2.34	2.73
Price/Sales High	1.61	1.52	1.78	2.3	2.16	3.14	3.43	3.32	3.45	2.49	2.4	3.17	2.8	3.06	3.18
Price/Sales Low	1.1	0.81	1.38	1.66	1.74	1.74	2.33	2.46	2.34	1.27	1.77	2.14	1.98	1.9	2.26
Price/Cash Flow	4.36	3.45	5.85	10.77	7.85	15.38	10.03	11.41	9.53	-8.49	3.64	5.94	9.13	9.77	8.29
Price/Cash Flow Average	5.05	2.65	5.92	9.58	7.81	11.49	9.4	11.91	7.93	-7.62	3.53	5.47	9.51	8.34	7.62
Price/Cash Flow High	6.3	3.61	6.5	11.09	8.35	17.39	11.37	13.25	9.67	-10.57	4	6.63	11.43	10.89	8.88
Price/Cash Flow Low	4.31	1.93	5.03	8.01	6.73	9.64	7.73	9.8	6.57	-5.39	2.96	4.47	8.1	6.78	6.3
Price/Free Cash Flow Average	4.74	2.52	5.52	7.99	6.87	9.64	8.55	11.46	7.44	-9.55	3.39	5.13	8.44	7.35	7.03
Price/Free Cash Flow High	5.92	3.44	6.06	9.24	7.35	14.59	10.35	12.75	9.07	-13.25	3.85	6.21	10.15	9.6	8.2
Price/Free Cash Flow Low	4.05	1.84	4.69	6.68	5.93	8.09	7.03	9.42	6.16	-6.76	2.84	4.19	7.19	5.98	5.82
EV/Sales Average	1.94	1.79	2.38	2.72	2.78	2.32	2.97	3.03	2.87	2.12	2.23	2.79	2.23	2.28	2.77
EV/Sales High	2.26	2.2	2.54	3.03	2.92	3.37	3.56	3.36	3.48	2.82	2.52	3.34	2.7	3	3.23
EV/Sales Low	1.75	1.49	2.14	2.39	2.5	1.98	2.46	2.51	2.38	1.6	1.89	2.31	1.88	1.84	2.3
EV/EBITDA Average	38.35	33.57	46	50.47	55.09	41.56	58.11	64.88	69.03	60.64	58.91	69.55	61.68	65.98	90.23
EV/EBITDA High	44.69	41.19	49.06	56.29	57.86	60.53	69.81	71.95	83.93	80.47	66.49	83.41	74.68	86.68	104.94
EV/EBITDA Low	34.62	27.87	41.29	44.41	49.61	35.61	48.23	53.71	57.35	45.61	49.89	57.57	52.14	53.28	74.82
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	9.55	11.37	11.77	15.54	15.35	20.48	22.94	23.21	30.5	24.58	26.4	32.5	29.43	36.65	42.57
High Price	13.8	11.91	13.08	16	16.33	23.15	26.01	26.95	30.95	30.62	29	36.23	36.86	40.86	45.63
Enterprise Value Average	286	241	304	329	363	290	381	419	432	438	454	539	498	517	678
Enterprise Value High	333	296	324	367	381	422	458	464	525	582	513	647	603	679	789
Enterprise Value Low	258	200	273	290	327	248	316	347	359	330	385	446	421	417	562

Shares Outstanding	17	17	17	17	17	17	17	17	17	17	17	17	17	17	17
Diluted Weighted Avg Shares	17	17	17	17	17	17	17	17	17	17	17	17	17	17	17
Basic Weighted Avg Shares	17	17	17	17	17	17	17	17	17	17	17	17	17	17	17
Revenue per Share	8.58	7.84	7.36	6.95	7.55	7.37	7.58	8.11	8.98	12.31	12.09	11.43	13.16	13.37	14.33
EBITDA per Share	0.43	0.42	0.38	0.37	0.38	0.41	0.39	0.38	0.37	0.43	0.46	0.46	0.48	0.46	0.44
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.29	0.01	0.35	0.53	0.53	0.69	0.64	1.54	1.84	1.88	1.98	1.97	3.08	3.12	3.61
Basic EPS from Cont Ops	0.29	0.01	0.35	0.53	0.53	0.69	0.64	1.54	1.84	2.54	2.35	1.96	2.99	3.05	3.61
Diluted EPS, GAAP	0.29	0.01	0.35	0.53	0.53	0.69	0.64	1.54	1.83	1.88	1.98	1.97	3.07	3.12	3.6
Diluted EPS from Cont Ops	0.29	0.01	0.35	0.53	0.53	0.69	0.64	1.54	1.83	2.54	2.35	1.96	2.99	3.04	3.6
Dividend per Share	0.3	- -	- -	0.09	0.13	0.17	0.24	0.32	0.48	0.57	0.62	0.66	0.76	0.88	1
Cash Flow per Share	2.19	3.3	2.01	1.44	1.95	1.33	2.29	2.03	3.2	-2.9	7.24	5.47	3.22	3.75	5.14
Free Cash Flow per Basic Share	2.05	3.13	1.86	1.15	1.68	1.07	2.05	1.95	2.98	-3.48	6.94	5.1	2.81	3.24	4.69
Cash & Equivalents per Share	21.1	21.08	17.66	22.76	29.28	33.9	31.75	30.34	27.65	23.39	42.62	28.58	24.84	27.92	27.97
Book Value per Share	14.68	14.33	15.92	15.62	15.99	16.34	16.73	18.07	19.5	20.42	23.38	23.31	26.43	29.18	32.36
Tangible Book Value per Share	9.7	9.39	11.03	10.76	11.05	11.3	11.74	13	14.44	15.11	17.86	17.83	20.95	23.71	27.15

Capital City Bank Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)