CCBG

Validea Martin Zweig Strategy Daily Upgrade Report - 1/26/2023

The following are today's upgrades for Validea's Growth Investor model based on the published strategy of Martin Zweig. This strategy looks for growth stocks with persistent accelerating earnings and sales growth, reasonable valuations and low debt.

CAPITAL CITY BANK GROUP, INC. (CCBG) is a small-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Martin Zweig changed from 77% to 85% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: Capital City Bank Group, Inc. is a financial holding company. The Company provides a range of banking and banking-related services to individual and corporate clients through its subsidiary, Capital City Bank (the Bank). The Company provides three principal services, Banking Services, Trust and Asset Management Services, and Brokerage Services. It offers various Banking Services, including Business Banking, Commercial Real Estate Lending, Residential Real Estate Lending, Retail Credit, Institutional Banking, and Retail Banking services through approximately 57 banking offices in Florida, Georgia, and Alabama operated by the Bank. The Company through Capital City Trust Company provides asset management for individuals. The Company through Capital City Investments, Inc. offers its customers access to retail investment products through LPL Financial under which retail investment products would be offered through LPL.

The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.

P/E RATIO:PASS
REVENUE GROWTH IN RELATION TO EPS GROWTH:FAIL
SALES GROWTH RATE:PASS
CURRENT QUARTER EARNINGS:PASS
QUARTERLY EARNINGS ONE YEAR AGO:PASS
POSITIVE EARNINGS GROWTH RATE FOR CURRENT QUARTER:PASS
EARNINGS GROWTH RATE FOR THE PAST SEVERAL QUARTERS:FAIL
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN PRIOR 3 QUARTERS:PASS
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:PASS
EARNINGS PERSISTENCE:PASS
LONG-TERM EPS GROWTH:PASS
INSIDER TRANSACTIONS:PASS

Detailed Analysis of CAPITAL CITY BANK GROUP, INC.

CCBG Guru Analysis

CCBG Fundamental Analysis

UMB FINANCIAL CORP (UMBF) is a mid-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Martin Zweig changed from 62% to 85% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: UMB Financial Corporation is a financial holding company that provides banking services and asset servicing to its customers in the United States and around the world. The Company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment serves the commercial banking and treasury management needs of its small to middle-market businesses through a variety of products and services. The Institutional Banking segment is a combination of banking services, fund services, asset management services and healthcare services provided to institutional clients. It also provides fixed income sales, trading and underwriting, corporate trust and escrow services, as well as institutional custody. The Personal Banking segment combines consumer banking and wealth management services offered to clients and delivered through personal relationships and the Company's bank branches, automated teller machine networks and Internet banking.

The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.

P/E RATIO:PASS
REVENUE GROWTH IN RELATION TO EPS GROWTH:FAIL
SALES GROWTH RATE:PASS
CURRENT QUARTER EARNINGS:PASS
QUARTERLY EARNINGS ONE YEAR AGO:PASS
POSITIVE EARNINGS GROWTH RATE FOR CURRENT QUARTER:PASS
EARNINGS GROWTH RATE FOR THE PAST SEVERAL QUARTERS:FAIL
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN PRIOR 3 QUARTERS:PASS
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:PASS
EARNINGS PERSISTENCE:PASS
LONG-TERM EPS GROWTH:PASS
INSIDER TRANSACTIONS:PASS

Detailed Analysis of UMB FINANCIAL CORP

UMBF Guru Analysis

UMBF Fundamental Analysis

PAGSEGURO DIGITAL LTD (PAGS) is a mid-cap value stock in the Consumer Financial Services industry. The rating according to our strategy based on Martin Zweig changed from 69% to 85% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: PagSeguro Digital Ltd. is a holding company. The Company, through its subsidiaries, is engaged in providing financial technology solutions and services and corresponding related activities, focused principally on micro-merchants and small and medium-sized businesses (SMEs). The Company offers a two-sided ecosystem, providing a banking and payments experience through a single interface, with one app, one platform and one customer support. It owns two brands: PagBank and PagSeguro. PagBank provides a safe way of owning a free digital account, linked to the Brazilian Central Bank's platform, with the feature of accepting payments, where its clients can transact and manage their cash, have a debit or credit card, save money and find a portfolio of investments available. PagSeguro's end-to-end payments ecosystem enables its customers to accept a range of online and in-person payment methods, including credit cards, debit cards, meal voucher cards, boletos, bank transfers, and cash deposits.

The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.

P/E RATIO:PASS
REVENUE GROWTH IN RELATION TO EPS GROWTH:PASS
SALES GROWTH RATE:FAIL
CURRENT QUARTER EARNINGS:PASS
QUARTERLY EARNINGS ONE YEAR AGO:PASS
POSITIVE EARNINGS GROWTH RATE FOR CURRENT QUARTER:PASS
EARNINGS GROWTH RATE FOR THE PAST SEVERAL QUARTERS:PASS
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN PRIOR 3 QUARTERS:PASS
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:PASS
EARNINGS PERSISTENCE:FAIL
LONG-TERM EPS GROWTH:PASS
INSIDER TRANSACTIONS:PASS

Detailed Analysis of PAGSEGURO DIGITAL LTD

PAGS Guru Analysis

PAGS Fundamental Analysis

C&F FINANCIAL CORP (CFFI) is a small-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Martin Zweig changed from 69% to 85% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: C&F Financial Corporation is a bank holding company, which operates through, Citizens and Farmers Bank (the Bank). The Bank is an independent commercial bank, which provide a range of banking services to individuals and businesses through its main office in West Point, Virginia, and approximately 30 Virginia branches. These services include various types of checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity and installment loans. The Bank also offers automatic teller machines, Internet and mobile banking, peer-to-peer payment capabilities, and debit cards, as well as safe deposit box rentals, notary public, electronic transfer and other customary bank services to its customers. The Company has three segments. Community banking segment operates through C&F Bank and C&F Wealth Management Corporation. Mortgage banking segment operates through C&F Mortgage Corporation. Consumer finance segment operates through C&F Finance Company.

The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.

P/E RATIO:PASS
REVENUE GROWTH IN RELATION TO EPS GROWTH:FAIL
SALES GROWTH RATE:PASS
CURRENT QUARTER EARNINGS:PASS
QUARTERLY EARNINGS ONE YEAR AGO:PASS
POSITIVE EARNINGS GROWTH RATE FOR CURRENT QUARTER:PASS
EARNINGS GROWTH RATE FOR THE PAST SEVERAL QUARTERS:FAIL
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN PRIOR 3 QUARTERS:PASS
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:PASS
EARNINGS PERSISTENCE:PASS
LONG-TERM EPS GROWTH:PASS
INSIDER TRANSACTIONS:PASS

Detailed Analysis of C&F FINANCIAL CORP

CFFI Guru Analysis

CFFI Fundamental Analysis

ORRSTOWN FINANCIAL SERVICES INC (ORRF) is a small-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Martin Zweig changed from 54% to 85% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: Orrstown Financial Services, Inc. is a financial holding company of Orrstown Bank. The Company provides banking and financial advisory services located in south central Pennsylvania, principally in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry and York Counties, Pennsylvania, and in Anne Arundel, Baltimore, Howard and Washington Counties, Maryland, as well as Baltimore City, Maryland. It operates in the community banking segment and engages in lending activities, including commercial, residential, commercial mortgages, construction, municipal and various forms of consumer lending and deposit services, including checking, savings, time and money market deposits. It also provides fiduciary, investment advisory, insurance and brokerage services. The Bank makes commercial real estate, equipment, construction, working capital and other commercial purpose loans to commercial clients. The Bank also provides home equity loans, home equity lines of credit and other consumer loans.

The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.

P/E RATIO:PASS
REVENUE GROWTH IN RELATION TO EPS GROWTH:FAIL
SALES GROWTH RATE:PASS
CURRENT QUARTER EARNINGS:PASS
QUARTERLY EARNINGS ONE YEAR AGO:PASS
POSITIVE EARNINGS GROWTH RATE FOR CURRENT QUARTER:PASS
EARNINGS GROWTH RATE FOR THE PAST SEVERAL QUARTERS:FAIL
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN PRIOR 3 QUARTERS:PASS
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:PASS
EARNINGS PERSISTENCE:PASS
LONG-TERM EPS GROWTH:PASS
INSIDER TRANSACTIONS:PASS

Detailed Analysis of ORRSTOWN FINANCIAL SERVICES INC

ORRF Guru Analysis

ORRF Fundamental Analysis

Martin Zweig Portfolio

About Martin Zweig: During the 15 years that it was monitored, Zweig's stock recommendation newsletter returned an average of 15.9 percent per year, during which time it was ranked number one based on risk-adjusted returns by Hulbert Financial Digest. Zweig has managed both mutual and hedge funds during his career, and he's put the fortune he's compiled to some interesting uses. He has owned what Forbes reported was the most expensive apartment in New York, a $70 million penthouse that sits atop Manhattan's Pierre Hotel, and he is a collector of all sorts of pop culture and historical memorabilia -- among his purchases are the gun used by Clint Eastwood in "Dirty Harry", a stock certificate signed by Commodore Vanderbilt, and even two old-fashioned gas pumps similar to those he'd seen at a nearby gas station while growing up in Cleveland, according to published reports.

About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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