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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:Reiterated
Date: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 and sustained ROE
Net margin rising to about 22% (2025/TTM) with ROE around 11% signals durable earnings power and operating leverage. Sustained margins and returns support internal capital generation, reinvestment in the franchise, and resilience across business cycles over the next 2–6 months.
Negative Factors
Recent top-line softness (TTM revenue decline)
After multi-year revenue growth, a modest TTM decline (-1.6%) signals emerging top-line pressure. If persistent, weaker revenue can limit margin expansion and loan origination growth, constraining earnings momentum and capital accumulation over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability and sustained ROE
Net margin rising to about 22% (2025/TTM) with ROE around 11% signals durable earnings power and operating leverage. Sustained margins and returns support internal capital generation, reinvestment in the franchise, and resilience across business cycles over the next 2–6 months.
Read all positive factors
Capital City Bank (CCBG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$843.44M
Dividend Yield2.33%
Average Volume (3M)57.93K
Price to Earnings (P/E)14.0
Beta (1Y)0.58
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 Cap0.44
Enterprise Value/Revenue1.36
Enterprise Value/Gross Profit1.52
Enterprise Value/Ebitda4.26
Forecast
1Y Price Target
$49.75Price Target Upside6.24% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.61
Revenue Forecast (FY)$257.85M
Capital City Bank Business Overview & Revenue Model
Company Description
Capital City Bank Group, Inc. functions as the financial holding company for Capital City Bank, delivering a comprehensive array of financial services to both individual consumers and businesses. Its commercial offerings encompass financing for bu...
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 | 88.01M | 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 | 454.68M | 477.82M | 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
46.70
Positive
45.11
Positive
43.33
Positive
Market Momentum
0.88
Positive
59.29
Neutral
24.17
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 below the 20-day moving average (MA) of 48.18, above the 50-day MA of 46.70, and above the 200-day MA of 43.33, indicating a bullish trend. The MACD of 0.88 indicates Positive momentum. The RSI at 59.29 is Neutral, neither overbought nor oversold. The STOCH value of 24.17 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $907.81M | 11.37 | 11.66% | 3.66% | 19.34% | 49.11% | |
77 Outperform | $843.44M | 14.04 | 11.10% | 2.33% | 2.56% | 5.05% | |
74 Outperform | $731.52M | 10.61 | 14.15% | 3.09% | -0.77% | 6.41% | |
72 Outperform | $840.74M | 12.25 | 11.29% | 2.48% | -6.68% | 13.04% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $988.69M | 34.96 | 3.40% | 1.34% | 0.80% | -67.72% | |
56 Neutral | $999.90M | -6.16 | -20.89% | 3.50% | -71.38% | -406.48% |
* Financial Sector Average
CCBG
Capital City Bank
49.62
10.21
25.90%
CAC
Camden National
53.73
12.75
31.12%
GSBC
Great Southern Bancorp
77.64
18.96
32.31%
HBNC
Horizon Bancorp
19.58
4.44
29.33%
EQBK
Equity Bancshares
47.90
5.66
13.40%
IBCP
Independent Bank
35.88
3.25
9.95%
Capital City Bank Corporate Events
Financial DisclosuresRegulatory Filings and Compliance
Capital City Bank Posts Q1 2026 Investor Presentation
Neutral
May 15, 2026
Capital City Bank Group, Inc. has posted its first quarter 2026 investor presentation on its website, making the materials available to shareholders and the broader market. The presentation, furnished as an exhibit to a Form 8-K, is being provided...
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.