Capital City Bank Group (CCBG)
NASDAQ:CCBG
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Capital City Bank
(NASDAQ:CCBG)
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Rating:77Outperform
Price Target:
$53.00
â–²(13.18% Upside)
Action:ReiteratedDate:05/02/26
The score is primarily driven by solid financial performance (improving margins, ~11% ROE, and conservative leverage), supported by constructive technicals (price above major moving averages and positive MACD). Valuation is reasonable with a ~2.2% dividend yield, while the main financial watch items are the modest TTM revenue dip and uneven cash-flow timing; corporate governance updates are supportive but secondary.
Positive Factors
Improving Profitability
Sustained margin expansion and ~11% ROE signal durable earnings power from core banking operations. Higher net margin reflects better pricing or cost control, supporting internal capital generation, dividend capacity, and resilience to moderate revenue cycles over the next several months.
Negative Factors
Recent Revenue Dip
A TTM revenue decline signals potential pressure on net interest income or fee-based businesses. If sustained, top-line softness could constrain loan growth and margin leverage, forcing tougher trade-offs between pricing, credit growth, and expense discipline over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Sustained margin expansion and ~11% ROE signal durable earnings power from core banking operations. Higher net margin reflects better pricing or cost control, supporting internal capital generation, dividend capacity, and resilience to moderate revenue cycles over the next several months.
Read all positive factors
Capital City Bank (CCBG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$796.41M
Dividend Yield2.33%
Average Volume (3M)57.93K
Price to Earnings (P/E)11.8
Beta (1Y)0.59
Revenue Growth2.56%
EPS Growth5.05%
CountryUS
Employees940
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.53
Shares Outstanding17,101,410
10 Day Avg. Volume79,339
30 Day Avg. Volume57,934
Financial Highlights & Ratios
PEG Ratio0.77
Price to Book (P/B)1.31
Price to Sales (P/S)2.60
P/FCF Ratio9.08
Enterprise Value/Market Cap0.45
Enterprise Value/Revenue1.32
Enterprise Value/Gross Profit1.46
Enterprise Value/Ebitda4.19
Forecast
1Y Price Target
$49.75Price Target Upside6.24% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.49
Revenue Forecast (FY)$259.10M
Capital City Bank Business Overview & Revenue Model
Company Description
Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients. The company offers financing for commercial business p...
How the Company Makes Money
CCBG primarily earns revenue through its banking subsidiary by (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—mainly loans to consumers and bu...
Capital City Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 274.84M | 279.31M | 262.22M | 245.69M | 200.56M | 207.33M |
| Gross Profit | 247.12M | 243.30M | 222.47M | 213.90M | 186.18M | 205.39M |
| EBITDA | 86.20M | 89.37M | 73.40M | 71.94M | 48.83M | 57.16M |
| Net Income | 60.52M | 61.56M | 52.91M | 52.26M | 33.41M | 33.40M |
Balance Sheet | ||||||
| Total Assets | 4.45B | 4.39B | 4.32B | 4.30B | 4.52B | 4.26B |
| Cash, Cash Equivalents and Short-Term Investments | 1.29B | 62.19M | 496.46M | 421.02M | 485.41M | 719.92M |
| Total Debt | 67.26M | 93.35M | 81.98M | 88.54M | 110.19M | 88.33M |
| Total Liabilities | 3.89B | 3.83B | 3.83B | 3.86B | 4.12B | 3.87B |
| Stockholders Equity | 559.91M | 552.85M | 495.32M | 448.03M | 396.04M | 394.92M |
Cash Flow | ||||||
| Free Cash Flow | 93.32M | 80.03M | 54.88M | 47.74M | 86.37M | 116.98M |
| Operating Cash Flow | 99.80M | 87.61M | 63.57M | 54.78M | 92.69M | 122.17M |
| Investing Cash Flow | -60.54M | 64.41M | 68.35M | -68.54M | -765.83M | -453.97M |
| Financing Cash Flow | -74.86M | -13.90M | -52.14M | -274.82M | 238.43M | 438.60M |
Capital City Bank Technical Analysis
Positive
46.83
Price Trends
43.36
Positive
43.10
Positive
41.88
Positive
Market Momentum
1.06
Negative
69.85
Neutral
78.25
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCBG, the sentiment is Positive. The current price of 46.83 is above the 20-day moving average (MA) of 44.68, above the 50-day MA of 43.36, and above the 200-day MA of 41.88, indicating a bullish trend. The MACD of 1.06 indicates Negative momentum. The RSI at 69.85 is Neutral, neither overbought nor oversold. The STOCH value of 78.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCBG.
Capital City Bank Risk Analysis
Capital City Bank disclosed 26 risk factors in its most recent earnings report. Capital City Bank reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Capital City Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $796.41M | 11.77 | 11.10% | 2.33% | 2.56% | 5.05% | |
73 Outperform | $829.12M | 9.13 | 11.66% | 3.66% | 26.91% | 6.01% | |
70 Outperform | $691.98M | 10.15 | 14.15% | 3.09% | -0.73% | 6.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $755.03M | 9.92 | 11.29% | 2.48% | -6.80% | 13.03% | |
63 Neutral | $938.46M | 8.07 | -20.89% | 3.50% | -71.39% | -406.48% | |
60 Neutral | $964.38M | 12.46 | 3.40% | 1.34% | 0.80% | -67.72% |
* Financial Sector Average
CCBG
Capital City Bank
46.57
10.41
28.80%
CAC
Camden National
48.84
10.72
28.13%
GSBC
Great Southern Bancorp
68.87
14.24
26.05%
HBNC
Horizon Bancorp
18.32
3.80
26.15%
EQBK
Equity Bancshares
45.94
7.19
18.56%
IBCP
Independent Bank
33.61
3.04
9.96%
Capital City Bank Corporate Events
Executive/Board ChangesShareholder Meetings
Capital City Bank Shareowners Back Board and Pay Policies
Positive
Apr 23, 2026
At its 2026 Annual Meeting of Shareowners held on April 21, 2026, Capital City Bank Group, Inc. re-elected its full slate of incumbent directors to serve until the 2027 annual meeting, with no opposing nominees and all candidates receiving suffici...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.