Capital City Bank Group (CCBG)
NASDAQ:CCBG
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Capital City Bank
(NASDAQ:CCBG)
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Rating:73Outperform
Price Target:
$48.00
▲(2.76% Upside)
Action:ReiteratedDate:03/04/26
The score is driven primarily by solid financial performance (improving margins, conservative leverage, and strong recent free cash flow), supported by reasonable valuation (low P/E and a ~2.3% yield). Technicals are neutral-to-mildly mixed (slightly negative MACD with otherwise mid-range momentum), which tempers the overall rating.
Positive Factors
Conservative leverage
A low and improved debt-to-equity (~0.17 in 2025 from ~0.40 in 2020) indicates durable balance-sheet resilience. This conservatism provides regulatory and liquidity buffers, supports lending flexibility and capital returns, and reduces refinancing risk across economic cycles.
Negative Factors
Uneven revenue growth
Revenue growth has been inconsistent—declines in 2021–2022 followed by modest re-acceleration (2025 +2.1% vs. 2024). This uneven top-line trajectory suggests sensitivity to macro or rate cycles and complicates multi-year planning for sustainable organic expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
A low and improved debt-to-equity (~0.17 in 2025 from ~0.40 in 2020) indicates durable balance-sheet resilience. This conservatism provides regulatory and liquidity buffers, supports lending flexibility and capital returns, and reduces refinancing risk across economic cycles.
Read all positive factors
Capital City Bank (CCBG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$801.18M
Dividend Yield2.33%
Average Volume (3M)57.93K
Price to Earnings (P/E)11.8
Beta (1Y)0.58
Revenue Growth9.43%
EPS Growth17.64%
CountryUS
Employees940
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.80
Shares Outstanding17,152,262
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 Cap1.04
Enterprise Value/Revenue2.97
Enterprise Value/Gross Profit3.41
Enterprise Value/Ebitda9.29
Forecast
1Y Price Target
$45.00Price Target Upside-3.66% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.48
Revenue Forecast (FY)$262.80M
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
Capital City Bank generates revenue through a diversified model primarily driven by interest income and non-interest income. Key revenue streams include interest earned from loans and mortgages, which constitute a significant portion of the bank's...
Capital City Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 279.31M | 262.22M | 245.69M | 200.56M | 207.33M |
| Gross Profit | 243.30M | 222.47M | 213.90M | 186.18M | 205.39M |
| EBITDA | 89.37M | 73.40M | 71.94M | 48.83M | 57.16M |
| Net Income | 61.56M | 52.91M | 52.26M | 33.41M | 33.40M |
Balance Sheet | |||||
| Total Assets | 4.39B | 4.32B | 4.30B | 4.52B | 4.26B |
| Cash, Cash Equivalents and Short-Term Investments | 62.19M | 496.46M | 421.02M | 485.41M | 719.92M |
| Total Debt | 93.35M | 81.98M | 88.54M | 110.19M | 88.33M |
| Total Liabilities | 3.83B | 3.83B | 3.86B | 4.12B | 3.87B |
| Stockholders Equity | 552.85M | 495.32M | 448.03M | 396.04M | 394.92M |
Cash Flow | |||||
| Free Cash Flow | 80.03M | 54.88M | 47.74M | 86.37M | 116.98M |
| Operating Cash Flow | 87.61M | 63.57M | 54.78M | 92.69M | 122.17M |
| Investing Cash Flow | 64.41M | 68.35M | -68.54M | -765.83M | -453.97M |
| Financing Cash Flow | -13.90M | -52.14M | -274.82M | 238.43M | 438.60M |
Capital City Bank Technical Analysis
Positive
46.71
Price Trends
43.03
Positive
42.80
Positive
41.72
Positive
Market Momentum
1.01
Negative
73.61
Negative
91.68
Negative
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 46.71 is above the 20-day moving average (MA) of 43.81, above the 50-day MA of 43.03, and above the 200-day MA of 41.72, indicating a bullish trend. The MACD of 1.01 indicates Negative momentum. The RSI at 73.61 is Negative, neither overbought nor oversold. The STOCH value of 91.68 is Negative, 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $801.18M | 11.80 | 11.55% | 2.33% | 9.43% | 17.64% | |
70 Outperform | $716.27M | 9.81 | 14.20% | 3.09% | 4.29% | 10.56% | |
69 Neutral | $866.07M | 8.09 | 9.49% | 3.66% | 24.08% | 9.83% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $742.20M | 9.89 | 11.33% | 2.48% | 0.67% | 17.88% | |
62 Neutral | $967.95M | ― | 3.37% | 1.34% | 6.45% | 8.32% | |
53 Neutral | $906.70M | -5.75 | -20.64% | 3.50% | -78.64% | -913.67% |
* Financial Sector Average
CCBG
Capital City Bank
46.59
13.38
40.29%
CAC
Camden National
51.12
14.83
40.86%
GSBC
Great Southern Bancorp
67.50
17.30
34.46%
HBNC
Horizon Bancorp
17.74
4.96
38.80%
EQBK
Equity Bancshares
46.51
11.13
31.45%
IBCP
Independent Bank
34.74
6.28
22.08%
Capital City Bank Corporate Events
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Capital City Bank Releases Q4 2025 Investor Presentation
Neutral
Feb 2, 2026
Capital City Bank Group, Inc. has published its fourth quarter 2025 investor presentation on its website, making the materials available to shareholders and market participants as furnished information under securities disclosure rules. By distrib...
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.