Capital City Bank (CCBG) AI Stock Analysis

• Market Cap: $675.21M
• Dividend Yield: 2.34%
• Average Volume (3M): 39.99K
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.66
• Revenue Growth: 9.68%
• EPS Growth: 13.46%
• Country: US
• Employees: 940
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.88
• Shares Outstanding: 17,054,945
• 10 Day Avg. Volume: 35,922
• 30 Day Avg. Volume: 39,995
• PEG Ratio: 1.51
• Price to Book (P/B): 1.35
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 11.21
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 0.68
• Enterprise Value/Gross Profit: 3.11
• Enterprise Value/Ebitda: 2.41
• 1Y Price Target: $45.00
• Price Target Upside: 16.88% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 71 Outperform
• Price Target: $45.00 ▲(16.88%Upside)

Capital City Bank's strong financial performance, characterized by robust profitability and stable growth, is the most significant factor in its overall score. The technical analysis indicates a bullish trend, but overbought signals suggest caution. Valuation metrics show the stock is reasonably priced with an attractive dividend yield. The recent positive corporate events, although not weighted, further bolster the company's strategic outlook.

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 properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed- and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail securities products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care. As of December 31, 2021, it operated through 57 banking offices and 86 ATMs/ITMs in Florida, Georgia, and Alabama. The company was founded in 1895 and is headquartered in Tallahassee, Florida.

How the Company Makes Money

Capital City Bank Group generates revenue through various streams that are typical of community-focused banking institutions. A significant portion of its income comes from interest earned on loans and credit products provided to individuals and businesses, including mortgages, personal loans, and commercial lending. The bank also earns non-interest income through fees associated with account services, transaction processing, and wealth management services. Additionally, CCBG benefits from strategic partnerships and relationships with local businesses, enhancing its service offerings and market reach. The bank's emphasis on community engagement and local relationships plays a crucial role in attracting and retaining customers, thereby supporting its revenue generation efforts.

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: Neutral
• Last Price: 38.50
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCBG, the sentiment is Neutral. The current price of 38.5 is below the 20-day moving average (MA) of 40.78, below the 50-day MA of 39.08, and above the 200-day MA of 36.93, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 39.79 is Neutral, neither overbought nor oversold. The STOCH value of 14.30 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CCBG.

Capital City Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EQBK	78 Outperform	$658.23M	9.29	12.24%	1.64%	31.23%	533.61%
GSBC	74 Outperform	$652.98M	9.71	11.48%	2.73%	4.50%	16.92%
HBNC	73 Outperform	$683.07M	13.15	6.84%	4.26%	7.82%	170.93%
CCBG	71 Outperform	$675.21M	11.60	11.69%	2.34%	9.68%	13.46%
IBCP	71 Outperform	$633.02M	9.93	14.39%	3.32%	3.13%	-1.53%
CAC	70 Neutral	$637.38M	11.95	8.47%	4.59%	22.25%	6.44%
Sector *	67 Neutral	$16.60B	11.20	9.14%	3.93%	10.99%	-3.70%

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.