Capital City Bank (CCBG) AI Stock Analysis

• Market Cap: $690.51M
• Dividend Yield: 2.31%
• Average Volume (3M): 38.09K
• Price to Earnings (P/E): 11.9
• Beta (1Y): 0.69
• Revenue Growth: 9.68%
• EPS Growth: 13.46%
• Country: US
• Employees: 940
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 0.88
• Shares Outstanding: 17,066,511
• 10 Day Avg. Volume: 37,036
• 30 Day Avg. Volume: 38,094
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.01
• Enterprise Value/Revenue: 2.63
• Enterprise Value/Gross Profit: 3.08
• Enterprise Value/Ebitda: 8.78
• 1Y Price Target: $45.00
• Price Target Upside: 10.70% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: $45.00 ▲(10.70% Upside)

Capital City Bank's strong financial performance and strategic leadership changes are significant positives, supporting a stable outlook. While technical indicators show mixed signals, the stock's reasonable valuation and positive corporate events contribute to a favorable overall score.

Capital City Bank Business Overview & Revenue Model

Company Description

Capital City Bank (CCBG) is a community-focused financial institution headquartered in Tallahassee, Florida. Established in 1895, the bank operates primarily in the southeastern United States, providing a wide range of banking services to individuals, businesses, and governmental entities. CCBG offers traditional banking products such as checking and savings accounts, loans, mortgages, and investment services, alongside more specialized offerings like wealth management and commercial banking solutions.

How the Company Makes Money

Capital City Bank generates revenue primarily through the interest income earned from loans and mortgages, which constitutes a significant portion of its earnings. The bank makes money by charging interest on loans that exceed the interest it pays on deposits, known as the net interest margin. Additionally, CCBG earns non-interest income from service fees, transaction fees, and charges associated with wealth management and investment services. The bank may also engage in partnerships with local businesses, offering tailored financial solutions that drive both customer acquisition and revenue growth. Furthermore, investment in technology and digital banking platforms enhances customer engagement and retention, contributing to the bank's overall profitability.

Capital City Bank Financial Statement Overview

Summary

Capital City Bank demonstrates a robust financial standing with strong profitability and stable growth. The income statement reflects increasing revenues and a high gross profit margin. The balance sheet shows a favorable debt-to-equity ratio and improved return on equity, although increasing total debt requires monitoring. Cash flow is positive but exhibits volatility, indicating potential liquidity management challenges.

Income Statement

The company's income statement reflects strong financial performance with increasing revenues over the years. The gross profit margin stands high due to efficient cost management, and the net profit margin has shown an upward trend, indicating robust profitability. Revenue growth is consistent, with a notable increase in recent periods, suggesting a strong market position. However, fluctuations in EBIT margin point to variations in operational efficiency.

Balance Sheet

The balance sheet is solid, with a favorable debt-to-equity ratio indicating a conservative leverage approach. The return on equity has improved, reflecting effective utilization of shareholder funds. A strong equity ratio enhances financial stability, though the slightly increasing total debt warrants monitoring to prevent potential leverage risks.

Cash Flow

The cash flow situation is positive, with a growing free cash flow indicating enhanced financial flexibility. The operating cash flow to net income ratio is healthy, showcasing efficient cash generation from operations. However, the volatility in cash flows over the periods suggests potential liquidity management challenges.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	262.22M	245.69M	200.56M	207.33M	211.53M
Gross Profit	222.47M	213.90M	186.18M	205.39M	197.01M
EBITDA	73.40M	71.94M	48.83M	57.16M	60.11M
Net Income	52.91M	52.26M	33.41M	33.40M	31.58M
Balance Sheet
Total Assets	4.32B	4.30B	4.53B	4.26B	3.80B
Cash, Cash Equivalents and Short-Term Investments	496.46M	421.02M	485.41M	719.92M	392.79M
Total Debt	81.98M	88.54M	110.19M	88.33M	135.60M
Total Liabilities	3.83B	3.86B	4.13B	3.88B	3.46B
Stockholders Equity	495.32M	448.03M	396.04M	394.92M	342.84M
Cash Flow
Free Cash Flow	54.88M	47.74M	86.37M	116.98M	-58.35M
Operating Cash Flow	63.57M	54.78M	92.69M	122.17M	-48.61M
Investing Cash Flow	68.35M	-68.54M	-765.83M	-453.97M	-32.59M
Financing Cash Flow	-52.14M	-274.82M	238.43M	438.60M	631.33M

Capital City Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 40.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 40.65 is above the 20-day moving average (MA) of 40.05, above the 50-day MA of 39.88, and above the 200-day MA of 37.35, indicating a bullish trend. The MACD of 0.41 indicates Negative momentum. The RSI at 66.52 is Neutral, neither overbought nor oversold. The STOCH value of 75.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCBG.

Capital City Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GSBC	81 Outperform	$679.13M	10.23	11.48%	2.65%	4.55%	16.84%
EQBK	78 Outperform	$768.72M	9.89	12.24%	1.50%	31.22%	533.61%
CAC	75 Outperform	$655.49M	12.28	8.47%	4.34%	22.21%	6.20%
CCBG	73 Outperform	$690.51M	11.86	11.69%	2.31%	9.68%	13.46%
HBNC	73 Outperform	$707.33M	13.63	6.84%	3.99%	7.86%	170.93%
IBCP	72 Outperform	$650.07M	10.22	14.39%	3.25%	3.17%	-1.53%
Sector *	68 Neutral	$17.49B	11.70	10.34%	3.85%	9.75%	0.63%

Capital City Bank Corporate Events

Capital City Bank Releases Q2 2025 Investor Presentation

Capital City Bank Group, Inc. has made available its second quarter 2025 Investor Presentation on its website. This release provides stakeholders with insights into the company’s financial performance and strategic direction for the quarter, although it is not filed for purposes of Section 18 of the Securities Exchange Act of 1934.

The most recent analyst rating on (CCBG) stock is a Hold with a $34.00 price target. To see the full list of analyst forecasts on Capital City Bank stock, see the CCBG Stock Forecast page.

Capital City Bank Announces New Leadership Appointments

On June 2, 2025, Capital City Bank Group announced significant leadership changes effective July 1, 2025, with Bethany H. Corum appointed as President of Capital City Bank and Thomas A. Barron as President of Capital City Bank Group and Chairman of the Bank’s Board of Directors. These appointments are part of a strategic initiative to diversify executive leadership and support the company’s growth phase. William G. Smith Jr. will continue as CEO and Chairman of CCBG. Corum, with extensive experience in various operational roles since 2015, becomes the first female president in the bank’s history, marking a milestone during its 130th anniversary. Barron, with a long tenure and significant contributions to the company’s evolution, will continue to guide its strategic direction. These changes are expected to strengthen the company’s management and industry positioning.

The most recent analyst rating on (CCBG) stock is a Hold with a $34.00 price target. To see the full list of analyst forecasts on Capital City Bank stock, see the CCBG Stock Forecast page.

Capital City Bank Releases Q1 2025 Investor Presentation

Capital City Bank Group, Inc. has released its first quarter 2025 Investor Presentation on its website. The presentation materials, which are included in Exhibit 99.1, provide insights into the company’s financial performance and strategic direction for the quarter.

The most recent analyst rating on (CCBG) stock is a Hold with a $34.00 price target. To see the full list of analyst forecasts on Capital City Bank stock, see the CCBG Stock Forecast page.