CCBG
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 11.75 | 9.56 | 16.50 | 13.33 |
| Price to Sales | 2.74 | 2.24 | 2.84 | 2.18 |
| Book Value Per Common Share | 29.18 | 26.43 | 23.31 | 23.38 |
| Price to Book | 1.26 | 1.11 | 1.39 | 1.13 |
| Price to Operating Cash Flow | 9.77 | 9.13 | 5.94 | 3.64 |
| Price to Free Cash Flow | 11.31 | 10.47 | 6.38 | 3.81 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Price to Earnings | 44.94 | 44.72 | 36.32 | 45.83 | |
| Price to Sales | 11.25 | 11.06 | 10.38 | 10.82 | 10.41 |
| Book Value Per Common Share | 31.67 | 30.85 | 30.05 | 29.18 | 28.52 |
| Price to Book | 1.32 | 1.28 | 1.20 | 1.26 | 1.24 |
| Price to Operating Cash Flow | 33.08 | 20.57 | 28.00 | 55.35 | 46.90 |
| Price to Free Cash Flow | 35.99 | 21.80 | 31.42 | 69.18 | 56.91 |
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | 1.30 | 56.35 | -0.51 | |
| Revenue YoY | 1.29 | 15.46 | -4.99 | |
| EBITDA YoY | ||||
| Net Profit YoY | 1.26 | 56.40 | 0.05 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Earning YoY | 5.68 | -11.11 | -8.33 | ||
| Revenue YoY | 4.46 | 2.92 | 2.61 | 0.03 | |
| EBITDA YoY | |||||
| Net Profit YoY | 6.02 | -10.76 | 28.79 | -0.21 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 7.73 | 8.61 | 10.41 | 9.80 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | |||||
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 7.00 | 7.34 | 7.70 | 7.73 | 7.74 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 1.22 | 1.21 | 0.74 | 0.78 |
| ROE | 10.68 | 11.66 | 8.44 | 8.46 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 23.36 | 23.37 | 17.25 | 16.38 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| ROA | 0.37 | 0.34 | 0.38 | 0.30 | 0.31 |
| ROE | 2.95 | 2.86 | 3.29 | 2.64 | 2.71 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 25.15 | 24.78 | 28.58 | 22.77 | 22.83 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 28.17 | 24.69 | 33.49 | 31.32 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 27.83 | 27.21 | 24.27 | 29.79 | 29.71 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 4,324,932.00 | 4,304,477.00 | 4,519,223.00 | 4,263,849.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 70,543.00 | 83,118.00 | 72,114.00 | 65,313.00 |
| Short-Term Investments | 425,918.00 | 337,902.00 | 413,294.00 | 654,611.00 |
| Net Receivables | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 81,952.00 | 81,266.00 | 82,138.00 | 83,412.00 |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| Long-Term Investments | 972,899.00 | 966,374.00 | 1,074,048.00 | 995,073.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 3,829,615.00 | 3,856,445.00 | 4,123,185.00 | 3,868,925.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 2,064.00 | 8,384.00 | 50,211.00 | 34,557.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 53,681.00 | 53,202.00 | 53,400.00 | 53,771.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 495,317.00 | 448,032.00 | 396,038.00 | 394,924.00 |
| Shareholders Equity | 495,317.00 | 448,032.00 | 396,038.00 | 394,924.00 |
| Capital Stock | 170.00 | 170.00 | 170.00 | 169.00 |
| Share Premium | 37,684.00 | 36,326.00 | 37,331.00 | 34,423.00 |
| Retained Earnings | 463,949.00 | 426,275.00 | 387,009.00 | 364,788.00 |
| Treasury Shares | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -6,486.00 | -22,146.00 | -37,229.00 | -16,214.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Debt | 55,745.00 | 61,586.00 | 103,611.00 | 88,328.00 |
| Net Debt | 0 | 0 | 31,497.00 | 23,015.00 |
| Common Shares Outstanding | 16,974.51 | 16,950.22 | 16,986.78 | 16,892.06 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 226,503.00 | 223,614.00 | 193,669.00 | 203,837.00 |
| Interest Income | 194,657.00 | 181,068.00 | 131,910.00 | 106,351.00 |
| Interest Expense | 35,719.00 | 22,080.00 | 6,888.00 | 3,490.00 |
| Non-Interest Expense | 156,904.00 | 150,039.00 | 145,100.00 | 155,939.00 |
| Selling, General and Administrative Expenses | 105,294.00 | 100,041.00 | 96,414.00 | 111,234.00 |
| EBT | 65,568.00 | 63,861.00 | 41,075.00 | 49,451.00 |
| Income Tax | 13,924.00 | 13,040.00 | 7,798.00 | 9,835.00 |
| Net Income Including Non-Controlling Interests | 51,644.00 | 50,821.00 | 33,277.00 | 39,616.00 |
| Net Income Non-Controlling Interests | 1,271.00 | 1,437.00 | 135.00 | -6,220.00 |
| Net Income | 52,915.00 | 52,258.00 | 33,412.00 | 33,396.00 |
| Deprecation and Amortization | 7,831.00 | 8,078.00 | 7,756.00 | 7,714.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 16,943.00 | 16,987.00 | 16,951.00 | 16,863.00 |
| Average Shares Outstanding Diluted | 16,969.00 | 17,023.00 | 16,985.00 | 16,893.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 63,573.00 | 54,782.00 | 92,692.00 | 122,170.00 |
| Operating Net Income | 52,915.00 | 52,258.00 | 33,412.00 | 33,396.00 |
| Deprecation and Amortization | 7,831.00 | 8,078.00 | 7,756.00 | 7,714.00 |
| Deferred Income Tax | -1,032.00 | -483.00 | -3,870.00 | -4,157.00 |
| Share Based Compensation | 1,802.00 | 1,237.00 | 1,630.00 | 843.00 |
| Change in Working Capital | 339.00 | -5,402.00 | 93.00 | 2,874.00 |
| Other Operating Activities | 1,718.00 | -906.00 | 53,671.00 | 81,500.00 |
| Investing Cash Flow | 68,352.00 | -68,541.00 | -765,825.00 | -453,966.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -8,688.00 | -7,046.00 | -6,322.00 | -5,193.00 |
| Net Purchase/Sale of Investments Net | -4,282.00 | 116,580.00 | -131,828.00 | -518,022.00 |
| Net Purchase/Sale of Business | 0 | 0 | 2,867.00 | 2,657.00 |
| Other Investing Activities | 81,322.00 | -178,075.00 | -630,542.00 | 66,592.00 |
| Financing Cash Flow | -52,138.00 | -274,824.00 | 238,429.00 | 438,601.00 |
| Net Issuance/Repayment of Debt | -6,558.00 | -21,651.00 | 21,865.00 | -47,270.00 |
| Net Issuance/Repurchase of Equity | -2,330.00 | -3,710.00 | 0 | 0 |
| Dividends Paid | -14,906.00 | -12,905.00 | -11,191.00 | -10,459.00 |
| Other Financing Activities | -28,344.00 | -236,558.00 | 227,755.00 | 496,330.00 |
| Net Change in Cash | 79,787.00 | -288,583.00 | -434,704.00 | 106,805.00 |
| Cash at Beginning of Period | 312,067.00 | 600,650.00 | 1,035,354.00 | 928,549.00 |
| Cash at End of Period | 391,854.00 | 312,067.00 | 600,650.00 | 1,035,354.00 |
| Free Cash Flow | 54,885.00 | 47,736.00 | 86,370.00 | 116,977.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Assets | 4,323,774.00 | 4,391,753.00 | 4,461,233.00 | 4,324,932.00 | 4,225,316.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 68,397.00 | 78,485.00 | 78,521.00 | 70,543.00 | 83,431.00 |
| Short-Term Investments | 431,722.00 | 451,157.00 | 464,540.00 | 425,918.00 | 336,187.00 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 79,748.00 | 79,906.00 | 80,043.00 | 81,952.00 | 81,876.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 984,137.00 | 999,298.00 | 980,715.00 | 972,899.00 | 904,643.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 3,783,139.00 | 3,865,330.00 | 3,948,658.00 | 3,829,615.00 | 3,742,000.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 40,244.00 | 34,541.00 | 37,200.00 | 2,064.00 | 37,268.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 43,262.00 | 43,262.00 | 53,681.00 | 53,681.00 | 53,681.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 540,635.00 | 526,423.00 | 512,575.00 | 495,317.00 | 483,316.00 |
| Shareholders Equity | 540,635.00 | 526,423.00 | 512,575.00 | 495,317.00 | 483,316.00 |
| Capital Stock | 171.00 | 171.00 | 171.00 | 170.00 | 169.00 |
| Share Premium | 40,067.00 | 39,527.00 | 38,576.00 | 37,684.00 | 36,070.00 |
| Retained Earnings | 499,176.00 | 487,665.00 | 476,715.00 | 463,949.00 | 454,342.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 1,221.00 | -940.00 | -2,887.00 | -6,486.00 | -14,082.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Debt | 83,506.00 | 77,803.00 | 90,881.00 | 55,745.00 | 90,949.00 |
| Net Debt | 15,109.00 | 0 | 12,360.00 | 0 | 7,518.00 |
| Common Shares Outstanding | 17,068.65 | 17,066.40 | 17,054.79 | 16,974.51 | 16,944.37 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| Revenues | 63,413.00 | 60,707.00 | 58,985.00 | 57,482.00 | 57,464.00 | 0 |
| Interest Income | 51,431.00 | 51,459.00 | 49,782.00 | 49,743.00 | 49,328.00 | 0 |
| Interest Expense | 7,874.00 | 8,275.00 | 8,235.00 | 8,640.00 | 9,117.00 | 0 |
| Non-Interest Expense | 40,441.00 | 40,047.00 | 36,232.00 | 39,401.00 | 40,661.00 | 0 |
| Selling, General and Administrative Expenses | 26,646.00 | 27,176.00 | 26,945.00 | 27,216.00 | 26,772.00 | 0 |
| EBT | 21,091.00 | 20,040.00 | 21,985.00 | 17,380.00 | 15,597.00 | 0 |
| Income Tax | 5,141.00 | 4,996.00 | 5,127.00 | 4,219.00 | 2,980.00 | 0 |
| Net Income Including Non-Controlling Interests | 15,950.00 | 15,044.00 | 16,858.00 | 13,161.00 | 12,617.00 | 0 |
| Net Income Non-Controlling Interests | 0 | 0 | 0 | -71.00 | 501.00 | 0 |
| Net Income | 15,950.00 | 15,044.00 | 16,858.00 | 13,090.00 | 13,118.00 | 0 |
| Deprecation and Amortization | 1,899.00 | 1,906.00 | 1,850.00 | 1,913.00 | 1,788.00 | 0 |
| EPS | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 17,068.00 | 17,056.00 | 17,027.00 | 0 | 16,943.00 | 16,931.00 |
| Average Shares Outstanding Diluted | 17,114.00 | 17,088.00 | 17,044.00 | 0 | 16,979.00 | 16,960.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Operating Cash Flow | 21,563.00 | 32,624.00 | 21,867.00 | 11,239.00 | 12,750.00 |
| Operating Net Income | 15,950.00 | 15,044.00 | 16,858.00 | 13,090.00 | 13,118.00 |
| Deprecation and Amortization | 1,899.00 | 1,906.00 | 1,850.00 | 1,913.00 | 1,788.00 |
| Deferred Income Tax | 1,038.00 | 1,512.00 | -121.00 | -2,432.00 | 2,746.00 |
| Share Based Compensation | 448.00 | 526.00 | 399.00 | 663.00 | 424.00 |
| Change in Working Capital | 694.00 | 10,533.00 | 921.00 | -6,252.00 | 1,801.00 |
| Other Operating Activities | 1,534.00 | 3,103.00 | 1,960.00 | 4,257.00 | -7,127.00 |
| Investing Cash Flow | 59,520.00 | 11,886.00 | -6,070.00 | -45,499.00 | 6,484.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -1,745.00 | -1,840.00 | -2,382.00 | -2,246.00 | -2,244.00 |
| Net Purchase/Sale of Investments Net | 17,726.00 | -15,415.00 | -3,233.00 | -73,603.00 | 918.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 43,539.00 | 29,141.00 | -455.00 | 30,350.00 | 7,810.00 |
| Financing Cash Flow | -88,586.00 | -95,671.00 | 116,912.00 | 80,904.00 | -22,003.00 |
| Net Issuance/Repayment of Debt | 5,703.00 | -12,964.00 | 8,896.00 | -8,964.00 | 11,283.00 |
| Net Issuance/Repurchase of Equity | 91.00 | 424.00 | 195.00 | -634.00 | 98.00 |
| Dividends Paid | -4,439.00 | -4,094.00 | -4,092.00 | -3,899.00 | -3,897.00 |
| Other Financing Activities | -89,941.00 | -79,037.00 | 111,913.00 | 94,401.00 | -29,487.00 |
| Net Change in Cash | -7,503.00 | -51,161.00 | 132,709.00 | 46,644.00 | -2,769.00 |
| Cash at Beginning of Period | 473,402.00 | 524,563.00 | 391,854.00 | 345,210.00 | 347,979.00 |
| Cash at End of Period | 465,899.00 | 473,402.00 | 524,563.00 | 391,854.00 | 345,210.00 |
| Free Cash Flow | 19,818.00 | 30,784.00 | 19,485.00 | 8,993.00 | 10,506.00 |