$46.41

-0.27 (-0.58%)

Weekly Expected Move ±2.8%

$43 $44 $45 $47 $48

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 63 · $793.7M mcap · 14M float · 0.723% daily turnover · Short 50% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

64.7 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 10.6% · 5Y Avg: 9.4%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. CCBG has a Narrow competitive edge (64.7/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. ROIC of 10.6% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$50

Low

$50

Avg Target

$50

High

Based on 1 analyst since Apr 20, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 1Hold: 6Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$49.50

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-21	Capital One Financial	—	$45	$50	+4	+5.5%	$46.90
2026-01-28	Capital One Financial	—	Initiated	$45	—	+6.2%	$42.36
2024-04-23	Piper Sandler	Stephen Scouten	$32	$30	-2	+10.7%	$27.11
2022-04-26	Piper Sandler	—	Initiated	$32	—	+24.4%	$25.32

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. CCBG receives an overall rating of B+. Strongest factors: DCF (5/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-20	A-	B+
2026-05-18	B+	A-
2026-05-04	A-	B+
2026-04-21	A	A-
2026-04-01	B+	A
2026-02-23	A-	B+
2026-01-29	B+	A-
2026-01-16	A-	B+
2026-01-03	B+	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 62 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. CCBG scores highest in Cash Flow (96/100) and lowest in Growth (46/100). An overall grade of A+ places CCBG among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.87

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.53

Unlikely Manipulator

Ohlson O-Score

-5.12

Bankruptcy prob: 0.6%

Low Risk

Credit Rating

AA-

Score: 83.0/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.65x

Accruals: -0.9%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. CCBG scores 2.87, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. CCBG scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. CCBG's score of -2.53 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. CCBG's implied 0.6% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. CCBG receives an estimated rating of AA- (score: 83.0/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). CCBG's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

13.14x

PEG

2.77x

P/S

2.89x

P/B

1.42x

P/FCF

7.99x

P/OCF

7.47x

EV/EBITDA

9.01x

EV/Revenue

2.82x

EV/EBIT

9.42x

EV/FCF

8.32x

Earnings Yield

8.12%

FCF Yield

12.52%

Shareholder Yield

2.72%

Graham Number

$50.60

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 13.1x earnings, CCBG trades at a reasonable valuation. An earnings yield of 8.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $50.60 per share, suggesting a potential 9% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.753

NI / EBT

Interest Burden

0.976

EBT / EBIT

EBIT Margin

0.300

EBIT / Rev

Asset Turnover

0.063

Rev / Assets

Equity Multiplier

8.310

Assets / Equity

ROE

11.5%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. CCBG's ROE of 11.5% is driven by financial leverage (equity multiplier: 8.31x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

12.51%

Fair P/E

33.52x

Intrinsic Value

$118.32

Price/Value

0.37x

Margin of Safety

63.27%

Premium

-63.27%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CCBG's realized 12.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $118.32, CCBG appears undervalued with a 63% margin of safety. The adjusted fair P/E of 33.5x compares to the current market P/E of 13.1x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$46.41

Median 1Y

$49.52

5th Pctile

$26.55

95th Pctile

$92.32

Ann. Volatility

36.5%

Analyst Target

$49.50

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
William G. Smith, Jr. Chairman and Chief Executive Officer (Company)	$511,667	$371,110	$3,135,873
Thomas A. Barron President (Company) and Chairman (Capital City Bank)	$511,667	$257,303	$2,586,479
Bethany H. Corum President, (Capital City Bank)	$425,000	$112,777	$1,486,781
Jeptha E. Larkin Executive Vice President and Chief Financial Officer (Company)	$361,458	$61,852	$1,366,416

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

—

Revenue / Employee

—

Rev: $279,307,000

Profit / Employee

—

NI: $61,557,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	10.5%	10.4%	9.1%	8.4%	8.3%	8.2%	9.0%	10.7%	12.4%	13.2%	12.4%	12.1%	12.1%	12.2%	11.2%	12.1%	12.3%	12.9%	11.7%	11.5%	11.55%
ROA	1.0%	1.0%	0.8%	0.8%	0.8%	0.7%	0.8%	1.0%	1.1%	1.2%	1.2%	1.2%	1.2%	1.2%	1.2%	1.3%	1.3%	1.4%	1.4%	1.4%	1.39%
ROIC	53.9%	49.6%	-16.7%	-14.8%	-14.3%	-13.4%	1.7%	2.0%	2.3%	2.4%	44.0%	42.4%	42.2%	43.2%	63.9%	70.1%	71.3%	75.5%	10.8%	10.6%	10.62%
ROCE	11.4%	10.6%	9.6%	8.5%	8.2%	7.7%	8.4%	9.9%	11.5%	12.0%	11.3%	10.9%	10.8%	11.0%	10.5%	11.6%	12.0%	12.9%	1.9%	1.9%	1.90%
Gross Margin	99.5%	98.4%	98.3%	98.3%	94.5%	92.0%	89.1%	88.9%	88.5%	85.4%	85.4%	85.1%	83.9%	84.5%	85.9%	86.6%	87.1%	86.3%	88.4%	98.9%	98.87%
Operating Margin	20.4%	27.3%	18.8%	20.6%	19.1%	23.1%	21.8%	29.0%	27.8%	23.9%	23.2%	24.4%	25.9%	23.4%	26.3%	32.7%	29.1%	29.6%	28.7%	32.9%	32.93%
Net Margin	13.9%	18.9%	13.1%	15.4%	15.0%	18.4%	19.2%	22.9%	22.4%	20.9%	18.9%	19.9%	21.3%	19.7%	19.8%	25.1%	21.8%	22.4%	19.1%	25.2%	25.21%
EBITDA Margin	24.0%	30.9%	22.9%	24.9%	23.1%	26.8%	25.0%	32.4%	31.0%	27.3%	26.5%	27.6%	29.0%	26.1%	29.2%	35.5%	31.8%	32.2%	28.7%	32.9%	32.93%
FCF Margin	11.4%	40.8%	52.6%	40.6%	65.3%	51.5%	37.5%	34.4%	13.7%	20.9%	21.9%	19.1%	27.1%	21.3%	20.9%	23.3%	25.9%	28.9%	35.1%	34.0%	33.95%
OCF Margin	14.2%	43.9%	55.0%	42.9%	68.1%	53.9%	40.5%	37.7%	16.6%	24.1%	24.8%	22.1%	30.0%	24.4%	24.2%	26.6%	29.2%	31.9%	37.9%	36.3%	36.31%
ROE 3Y Avg	snapshot only																				11.30%
ROE 5Y Avg	snapshot only																				10.48%
ROA 3Y Avg	snapshot only																				1.30%
ROIC 3Y Avg	snapshot only																				8.79%
ROIC Economic	snapshot only																				9.68%
Cash ROA	snapshot only																				2.28%
Cash ROIC	snapshot only																				17.09%
CROIC	snapshot only																				15.98%
NOPAT Margin	snapshot only																				22.57%
Pretax Margin	snapshot only																				29.25%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				38.23%
SBC / Revenue	snapshot only																				0.54%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	11.08	10.82	12.09	13.18	14.12	16.11	14.39	10.99	9.92	9.15	9.07	8.78	9.09	11.27	11.46	10.51	11.43	11.66	11.85	12.31	13.136
P/S Ratio	1.77	1.77	1.92	2.03	2.22	2.50	2.47	2.10	2.06	1.95	1.93	1.80	1.84	2.25	2.31	2.26	2.47	2.60	2.61	2.71	2.888
P/B Ratio	1.13	1.10	1.02	1.03	1.10	1.23	1.29	1.17	1.23	1.21	1.06	1.00	1.04	1.30	1.22	1.21	1.34	1.43	1.32	1.35	1.420
P/FCF	15.60	4.33	3.65	5.00	3.39	4.86	6.61	6.09	15.04	9.34	8.81	9.45	6.81	10.56	11.05	9.71	9.52	8.99	7.43	7.99	7.985
P/OCF	12.53	4.03	3.48	4.73	3.26	4.65	6.11	5.57	12.42	8.11	7.79	8.18	6.14	9.22	9.54	8.50	8.46	8.14	6.90	7.47	7.466
EV/EBITDA	2.03	1.95	-3.99	-4.37	-3.97	-3.06	2.62	1.49	1.65	1.45	1.97	1.66	1.90	3.53	2.62	2.35	3.03	3.36	8.51	9.01	9.006
EV/Revenue	0.60	0.56	-1.08	-1.13	-1.02	-0.75	0.66	0.40	0.48	0.42	0.58	0.47	0.52	0.96	0.73	0.70	0.93	1.08	2.72	2.82	2.825
EV/EBIT	2.31	2.24	-4.61	-5.14	-4.71	-3.66	3.08	1.71	1.86	1.64	2.22	1.88	2.15	3.97	2.93	2.59	3.33	3.68	9.09	9.42	9.422
EV/FCF	5.28	1.37	-2.06	-2.77	-1.56	-1.45	1.75	1.17	3.47	2.01	2.63	2.45	1.93	4.52	3.50	3.02	3.58	3.75	7.75	8.32	8.319
Earnings Yield	9.0%	9.2%	8.3%	7.6%	7.1%	6.2%	6.9%	9.1%	10.1%	10.9%	11.0%	11.4%	11.0%	8.9%	8.7%	9.5%	8.7%	8.6%	8.4%	8.1%	8.12%
FCF Yield	6.4%	23.1%	27.4%	20.0%	29.5%	20.6%	15.1%	16.4%	6.6%	10.7%	11.4%	10.6%	14.7%	9.5%	9.1%	10.3%	10.5%	11.1%	13.5%	12.5%	12.52%
PEG Ratio	snapshot only																				2.767
Price/Tangible Book	snapshot only																				1.607
EV/OCF	snapshot only																				7.779
EV/Gross Profit	snapshot only																				3.142
Acquirers Multiple	snapshot only																				9.422
Shareholder Yield	snapshot only																				2.72%
Graham Number	snapshot only																				$50.60

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.12	0.12	0.19	0.19	0.19	0.19	0.12	0.12	0.12	0.12	0.11	0.11	0.11	0.11	0.13	0.13	0.13	0.13	1.24	1.24	1.241
Quick Ratio	0.12	0.12	0.19	0.19	0.19	0.19	0.12	0.12	0.12	0.12	0.11	0.11	0.11	0.11	0.13	0.13	0.13	0.13	1.24	1.24	1.241
Debt/Equity	0.40	0.40	0.22	0.22	0.22	0.22	0.28	0.28	0.28	0.28	0.20	0.20	0.20	0.20	0.17	0.17	0.17	0.17	0.17	0.17	0.169
Net Debt/Equity	-0.75	-0.75	-1.60	-1.60	-1.60	-1.60	-0.95	-0.95	-0.95	-0.95	-0.74	-0.74	-0.74	-0.74	-0.84	-0.84	-0.84	-0.84	0.06	0.06	0.056
Debt/Assets	0.04	0.04	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.021
Debt/EBITDA	2.10	2.23	1.55	1.71	1.77	1.86	2.14	1.84	1.62	1.56	1.23	1.27	1.27	1.26	1.12	1.03	0.99	0.93	1.04	1.08	1.083
Net Debt/EBITDA	-3.98	-4.22	-11.05	-12.24	-12.63	-13.29	-7.27	-6.28	-5.50	-5.30	-4.62	-4.75	-4.78	-4.72	-5.65	-5.20	-5.03	-4.71	0.35	0.36	0.362
Interest Coverage	14.14	13.85	14.17	13.36	12.36	8.63	6.36	5.37	4.39	3.45	2.89	2.29	1.95	1.83	1.84	2.03	2.19	2.44	2.56	2.52	2.519
Equity Multiplier	11.08	11.08	10.80	10.80	10.80	10.80	11.41	11.41	11.41	11.41	9.61	9.61	9.61	9.61	8.73	8.73	8.73	8.73	7.93	7.93	7.933
Cash Ratio	snapshot only																				1.241
Debt Service Coverage	snapshot only																				2.635
Cash to Debt	snapshot only																				0.666
FCF to Debt	snapshot only																				1.000
Defensive Interval	snapshot only																				159.5 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.063
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	57.00	56.09	56.089
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	6	7	6.5 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	6	7	—
Fixed Asset Turnover	snapshot only																				3.459
Cash Velocity	snapshot only																				4.419
Capital Intensity	snapshot only																				15.958

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	23.1%	9.0%	0.3%	-9.9%	-10.8%	-8.7%	-2.1%	10.5%	21.0%	26.0%	19.1%	12.5%	6.7%	5.4%	6.7%	7.0%	6.7%	6.1%	6.5%	3.2%	3.18%
Net Income	15.1%	7.3%	5.8%	-16.2%	-12.6%	-13.2%	6.2%	37.0%	60.3%	73.0%	47.3%	21.0%	3.9%	-1.3%	1.3%	12.0%	13.8%	18.2%	16.3%	5.8%	5.77%
EPS	14.8%	6.7%	5.2%	-16.4%	-13.0%	-13.7%	5.7%	36.2%	59.7%	72.7%	47.3%	21.5%	4.4%	-1.0%	1.4%	11.5%	12.9%	17.3%	15.2%	5.1%	5.14%
FCF	2.8%	2.6%	2.9%	59.6%	4.1%	15.1%	-30.2%	-6.2%	-74.6%	-48.9%	-30.4%	-37.7%	1.1%	7.5%	2.0%	30.5%	2.3%	43.9%	78.8%	50.6%	50.61%
EBITDA	27.5%	5.1%	-4.9%	-26.3%	-22.6%	-22.0%	-9.8%	15.9%	36.5%	48.9%	39.5%	17.0%	2.0%	-0.5%	1.9%	14.0%	18.4%	25.1%	21.9%	8.1%	8.11%
Op. Income	28.9%	3.7%	-6.5%	-29.7%	-25.9%	-25.1%	-11.4%	18.4%	42.9%	58.0%	45.7%	19.0%	1.8%	-0.4%	2.7%	16.7%	22.1%	28.7%	27.7%	14.1%	14.13%
OCF Growth	snapshot only																				40.98%
Asset Growth	snapshot only																				1.41%
Equity Growth	snapshot only																				11.62%
Debt Growth	snapshot only																				13.87%
Shares Change	snapshot only																				0.60%
Dividend Growth	snapshot only																				13.96%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	15.1%	13.1%	13.3%	10.2%	8.2%	7.2%	8.8%	10.8%	9.9%	7.8%	5.4%	3.8%	4.8%	6.6%	7.6%	10.0%	11.2%	12.1%	10.6%	7.5%	7.49%
Revenue 5Y	11.3%	10.6%	10.4%	9.2%	8.8%	8.3%	8.3%	9.4%	10.5%	10.7%	11.1%	10.7%	10.3%	10.3%	10.4%	10.4%	8.6%	7.0%	5.9%	4.3%	4.32%
EPS 3Y	29.6%	25.6%	8.7%	4.4%	2.5%	-1.0%	4.5%	13.3%	16.8%	16.7%	17.9%	11.4%	13.2%	13.9%	16.5%	22.7%	23.5%	26.1%	19.8%	12.5%	12.51%
EPS 5Y	29.4%	25.7%	23.2%	19.1%	19.8%	16.4%	26.8%	24.9%	24.8%	24.2%	14.9%	13.5%	12.4%	10.7%	11.2%	14.6%	13.4%	13.1%	13.9%	10.2%	10.16%
Net Income 3Y	29.0%	25.1%	8.4%	4.7%	2.8%	-0.6%	4.8%	13.8%	17.3%	17.2%	18.3%	11.6%	13.3%	14.0%	16.6%	22.9%	23.8%	26.4%	20.2%	12.7%	12.73%
Net Income 5Y	28.9%	25.8%	23.2%	19.1%	19.7%	16.3%	26.7%	24.9%	24.6%	24.1%	14.8%	13.7%	12.6%	10.9%	11.4%	14.8%	13.8%	13.5%	14.3%	10.5%	10.46%
EBITDA 3Y	26.6%	23.8%	16.6%	9.8%	5.5%	0.7%	3.1%	10.9%	10.4%	6.9%	6.2%	-0.0%	2.5%	5.0%	8.6%	15.6%	18.1%	22.8%	20.1%	13.0%	12.97%
EBITDA 5Y	23.8%	20.6%	18.4%	14.4%	14.5%	11.2%	11.7%	14.1%	16.5%	17.1%	14.8%	12.4%	10.3%	8.6%	9.3%	12.7%	10.2%	8.7%	8.3%	4.3%	4.26%
Gross Profit 3Y	16.5%	15.0%	15.6%	12.6%	10.2%	8.5%	8.9%	10.7%	8.9%	5.8%	3.0%	-0.0%	0.0%	1.5%	2.1%	4.7%	6.7%	8.4%	8.2%	7.1%	7.10%
Gross Profit 5Y	11.5%	10.9%	10.9%	9.6%	9.0%	8.3%	7.7%	8.5%	9.3%	9.4%	9.6%	9.1%	8.5%	8.5%	8.4%	8.9%	7.2%	5.4%	4.5%	2.9%	2.87%
Op. Income 3Y	30.9%	27.4%	18.6%	10.5%	5.3%	-0.5%	2.4%	11.4%	10.9%	7.0%	6.5%	-0.3%	2.6%	5.6%	9.9%	18.1%	21.1%	26.5%	24.1%	16.6%	16.61%
Op. Income 5Y	29.9%	25.5%	22.9%	17.8%	18.0%	13.4%	13.7%	16.3%	18.9%	19.6%	16.6%	13.7%	11.2%	9.2%	10.0%	14.0%	11.2%	9.5%	9.6%	5.7%	5.71%
FCF 3Y	85.2%	62.4%	49.5%	21.1%	29.5%	22.0%	15.7%	—	—	—	—	-2.3%	39.9%	-14.2%	-20.9%	-8.6%	-18.2%	-7.5%	8.3%	7.0%	6.99%
FCF 5Y	-0.4%	29.7%	43.5%	19.9%	29.6%	26.3%	17.3%	42.2%	52.6%	20.3%	10.2%	0.7%	3.0%	-0.0%	1.9%	—	—	—	—	12.9%	12.88%
OCF 3Y	57.7%	57.3%	49.6%	21.7%	29.8%	22.4%	15.9%	—	—	—	—	-1.5%	34.5%	-12.3%	-18.1%	-6.2%	-16.1%	-5.9%	8.1%	6.2%	6.17%
OCF 5Y	0.4%	25.8%	38.7%	18.2%	27.9%	24.5%	16.6%	37.4%	37.8%	19.7%	11.9%	2.9%	4.5%	2.0%	3.4%	—	—	—	—	11.7%	11.67%
Assets 3Y	9.4%	9.4%	12.9%	12.9%	12.9%	12.9%	13.5%	13.5%	13.5%	13.5%	4.3%	4.3%	4.3%	4.3%	0.5%	0.5%	0.5%	0.5%	-1.0%	-1.0%	-0.99%
Assets 5Y	6.3%	6.3%	8.4%	8.4%	8.4%	8.4%	9.3%	9.3%	9.3%	9.3%	7.8%	7.8%	7.8%	7.8%	7.0%	7.0%	7.0%	7.0%	2.9%	2.9%	2.92%
Equity 3Y	6.4%	6.4%	9.3%	9.3%	9.3%	9.3%	6.6%	6.6%	6.6%	6.6%	9.3%	9.3%	9.3%	9.3%	7.8%	7.8%	7.8%	7.8%	11.8%	11.8%	11.76%
Book Value 3Y	6.9%	6.9%	9.6%	9.0%	9.0%	8.9%	6.3%	6.2%	6.2%	6.1%	8.9%	9.2%	9.2%	9.2%	7.7%	7.6%	7.6%	7.6%	11.4%	11.5%	11.54%
Dividend 3Y	3.5%	4.1%	3.3%	2.7%	2.6%	1.9%	2.0%	2.3%	2.8%	3.6%	4.5%	5.0%	5.2%	4.9%	4.8%	4.7%	4.5%	4.5%	4.3%	4.2%	4.25%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.86	0.92	0.88	0.79	0.82	0.81	0.81	0.78	0.83	0.82	0.84	0.80	0.84	0.87	0.95	1.00	0.95	0.84	0.83	0.85	0.848
Earnings Stability	0.95	0.93	0.84	0.80	0.79	0.69	0.75	0.80	0.78	0.69	0.75	0.80	0.77	0.67	0.82	0.87	0.85	0.80	0.91	0.88	0.883
Margin Stability	0.97	0.97	0.97	0.97	0.97	0.97	0.97	0.96	0.96	0.96	0.95	0.95	0.94	0.94	0.94	0.94	0.94	0.95	0.96	0.95	0.950
Rev. Growth Consistency	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.000
FCF Positive Streak	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.94	0.97	0.98	0.94	0.95	0.95	0.98	0.85	0.50	0.50	0.81	0.92	0.98	0.99	0.99	0.95	0.94	0.93	0.93	0.98	0.977
Earnings Smoothness	0.86	0.93	0.94	0.82	0.87	0.86	0.94	0.69	0.54	0.47	0.62	0.81	0.96	0.99	0.99	0.89	0.87	0.83	0.85	0.94	0.944
ROE Trend	0.01	0.00	-0.01	-0.02	-0.02	-0.02	0.00	0.01	0.03	0.04	0.03	0.02	0.01	0.01	0.00	0.01	-0.00	-0.00	-0.00	-0.01	-0.005
Gross Margin Trend	0.06	0.06	0.06	0.05	0.03	-0.00	-0.03	-0.07	-0.08	-0.09	-0.09	-0.09	-0.09	-0.07	-0.05	-0.03	-0.01	0.00	0.01	0.04	0.042
FCF Margin Trend	-0.04	0.37	0.51	0.37	0.64	0.45	0.25	0.03	-0.25	-0.25	-0.23	-0.18	-0.12	-0.15	-0.09	-0.03	0.06	0.08	0.14	0.13	0.128
Sustainable Growth Rate	7.5%	7.3%	6.2%	5.5%	5.4%	5.2%	6.1%	7.8%	9.4%	10.1%	9.3%	8.9%	8.8%	8.8%	8.1%	8.9%	8.9%	9.4%	8.5%	8.2%	8.19%
Internal Growth Rate	0.7%	0.7%	0.6%	0.5%	0.5%	0.5%	0.6%	0.7%	0.9%	0.9%	0.9%	0.9%	0.9%	0.8%	0.9%	1.0%	1.0%	1.0%	1.0%	1.0%	1.00%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	0.88	2.69	3.47	2.79	4.34	3.47	2.36	1.97	0.80	1.13	1.16	1.07	1.48	1.22	1.20	1.24	1.35	1.43	1.72	1.65	1.649
FCF/OCF	0.80	0.93	0.96	0.95	0.96	0.96	0.92	0.91	0.83	0.87	0.88	0.87	0.90	0.87	0.86	0.88	0.89	0.91	0.93	0.94	0.935
FCF/Net Income	snapshot only																				1.542
OCF/EBITDA	snapshot only																				1.158
CapEx/Revenue	2.8%	3.0%	2.5%	2.3%	2.7%	2.4%	3.1%	3.3%	2.9%	3.2%	2.9%	3.0%	2.9%	3.1%	3.3%	3.3%	3.2%	3.0%	2.7%	2.4%	2.36%
CapEx/Depreciation	snapshot only																				1.705
Accruals Ratio	0.00	-0.02	-0.02	-0.01	-0.03	-0.02	-0.01	-0.01	0.00	-0.00	-0.00	-0.00	-0.01	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.009
Sloan Accruals	snapshot only																				0.738
Cash Flow Adequacy	snapshot only																				4.144
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	2.6%	2.7%	2.6%	2.6%	2.5%	2.3%	2.2%	2.5%	2.4%	2.6%	2.7%	3.0%	3.0%	2.5%	2.5%	2.6%	2.4%	2.3%	2.3%	2.4%	2.22%
Dividend/Share	$0.59	$0.61	$0.62	$0.63	$0.64	$0.65	$0.66	$0.68	$0.70	$0.73	$0.76	$0.79	$0.82	$0.85	$0.88	$0.91	$0.94	$0.97	$1.00	$1.03	$1.03
Payout Ratio	28.3%	29.5%	31.3%	34.5%	35.3%	36.5%	31.6%	27.3%	24.2%	23.8%	24.7%	26.2%	27.2%	27.9%	28.2%	27.0%	27.5%	27.1%	27.7%	29.1%	29.08%
FCF Payout Ratio	39.8%	11.8%	9.4%	13.1%	8.5%	11.0%	14.5%	15.1%	36.7%	24.2%	24.0%	28.2%	20.4%	26.2%	27.2%	24.9%	22.9%	20.9%	17.4%	18.9%	18.86%
Total Payout Ratio	29.6%	29.5%	31.3%	34.5%	35.3%	36.5%	31.6%	29.3%	28.3%	29.7%	31.8%	36.4%	35.1%	33.6%	32.6%	27.0%	27.5%	27.1%	27.7%	33.4%	33.44%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.12	0.14	0.12	0.12	0.12	0.09	0.09	0.11	0.12	0.15	0.18	0.19	0.20	0.19	0.18	0.18	0.17	0.17	0.17	0.16	0.163
Buyback Yield	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.2%	0.4%	0.7%	0.8%	1.2%	0.9%	0.5%	0.4%	0.0%	0.0%	0.0%	0.0%	0.4%	0.35%
Net Buyback Yield	-0.0%	-0.2%	-0.2%	-0.2%	-0.1%	-0.1%	-0.1%	0.1%	0.3%	0.5%	0.7%	1.0%	0.7%	0.4%	0.3%	-0.1%	-0.1%	-0.1%	-0.2%	0.2%	0.20%
Total Shareholder Return	2.5%	2.6%	2.4%	2.4%	2.4%	2.1%	2.1%	2.5%	2.7%	3.1%	3.4%	4.0%	3.7%	2.9%	2.7%	2.5%	2.3%	2.2%	2.2%	2.6%	2.56%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.62	0.66	0.68	0.70	0.73	0.76	0.81	0.81	0.81	0.83	0.82	0.83	0.83	0.82	0.81	0.79	0.77	0.76	0.75	0.75	0.753
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.98	0.98	0.976
EBIT Margin	0.26	0.25	0.23	0.22	0.22	0.20	0.21	0.23	0.26	0.26	0.26	0.25	0.24	0.24	0.25	0.27	0.28	0.29	0.30	0.30	0.300
Asset Turnover	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.063
Equity Multiplier	10.28	10.28	10.93	10.93	10.93	10.93	11.10	11.10	11.10	11.10	10.45	10.45	10.45	10.45	9.15	9.15	9.15	9.15	8.31	8.31	8.310

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$2.08	$2.06	$1.97	$1.82	$1.81	$1.78	$2.09	$2.48	$2.89	$3.07	$3.07	$3.01	$3.01	$3.04	$3.12	$3.36	$3.40	$3.56	$3.59	$3.53	$3.53
Book Value/Share	$20.30	$20.28	$23.35	$23.30	$23.27	$23.24	$23.31	$23.23	$23.25	$23.26	$26.36	$26.40	$26.42	$26.39	$29.19	$29.06	$28.99	$28.94	$32.26	$32.24	$32.69
Tangible Book/Share	$15.03	$15.01	$17.84	$17.80	$17.78	$17.75	$17.83	$17.77	$17.78	$17.79	$20.89	$20.93	$20.94	$20.91	$23.72	$23.62	$23.56	$23.52	$27.06	$27.05	$27.05
Revenue/Share	$12.97	$12.58	$12.46	$11.82	$11.51	$11.42	$12.14	$12.98	$13.87	$14.37	$14.46	$14.66	$14.86	$15.19	$15.45	$15.63	$15.74	$15.99	$16.30	$16.03	$16.05
FCF/Share	$1.48	$5.14	$6.55	$4.79	$7.52	$5.88	$4.55	$4.47	$1.90	$3.00	$3.17	$2.80	$4.02	$3.24	$3.23	$3.64	$4.08	$4.62	$5.73	$5.44	$5.45
OCF/Share	$1.84	$5.52	$6.85	$5.07	$7.83	$6.16	$4.92	$4.89	$2.31	$3.46	$3.58	$3.23	$4.46	$3.71	$3.75	$4.15	$4.59	$5.10	$6.17	$5.82	$5.83
Cash/Share	$23.26	$23.23	$42.56	$42.48	$42.42	$42.36	$28.57	$28.48	$28.49	$28.51	$24.77	$24.81	$24.82	$24.80	$29.26	$29.13	$29.05	$29.01	$3.63	$3.63	$75.28
EBITDA/Share	$3.83	$3.60	$3.38	$3.04	$2.95	$2.80	$3.04	$3.51	$4.00	$4.16	$4.23	$4.12	$4.10	$4.15	$4.32	$4.68	$4.82	$5.15	$5.21	$5.03	$5.03
Debt/Share	$8.03	$8.02	$5.22	$5.21	$5.20	$5.20	$6.49	$6.46	$6.47	$6.47	$5.21	$5.22	$5.22	$5.21	$4.83	$4.81	$4.80	$4.79	$5.45	$5.44	$5.44
Net Debt/Share	$-15.23	$-15.21	$-37.34	$-37.27	$-37.22	$-37.16	$-22.08	$-22.01	$-22.03	$-22.04	$-19.56	$-19.59	$-19.60	$-19.58	$-24.43	$-24.32	$-24.26	$-24.22	$1.82	$1.82	$1.82

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.870
Altman Z-Prime	snapshot only																				0.726
Piotroski F-Score	6	5	6	5	5	5	5	6	5	6	5	6	6	6	9	8	8	8	8	8	8
Beneish M-Score	-2.49	-2.59	-2.61	-2.71	-2.65	-2.52	-2.15	-2.09	-2.07	-2.27	-2.47	-2.42	-2.44	-2.38	-2.44	-2.45	-2.54	-2.45	-2.41	-2.53	-2.530
Ohlson O-Score	snapshot only																				-5.124
ROIC (Greenblatt)	snapshot only																				89.99%
Net-Net WC	snapshot only																				$-219.92
EVA	snapshot only																				$3616065.73

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA-
Credit Score	57.44	76.34	71.31	69.61	69.70	69.58	69.00	71.96	63.68	76.53	83.50	83.71	83.55	83.55	87.37	89.03	88.74	88.54	83.56	82.99	82.994
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				-6.036
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				85
Sector Credit Rank	snapshot only																				76

CCBG NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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