Capital City Bank (CCBG) AI Stock Analysis

• Market Cap: $727.47M
• Dividend Yield: 2.33%
• Average Volume (3M): 57.93K
• Price to Earnings (P/E): 11.9
• Beta (1Y): 0.57
• Revenue Growth: 9.43%
• EPS Growth: 17.64%
• Country: US
• Employees: 940
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.93
• Shares Outstanding: 17,068,825
• 10 Day Avg. Volume: 79,339
• 30 Day Avg. Volume: 57,934
• PEG Ratio: 9.04
• Price to Book (P/B): 1.25
• Price to Sales (P/S): 2.37
• P/FCF Ratio: 11.31
• Enterprise Value/Market Cap: 1.04
• Enterprise Value/Revenue: 2.82
• Enterprise Value/Gross Profit: 3.28
• Enterprise Value/Ebitda: 9.20
• 1Y Price Target: $47.00
• Price Target Upside: 10.28% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 3.69
• Revenue Forecast (FY): $253.30M

• Rating: 76 Outperform
• Price Target: $45.00 ▲(5.58% Upside)

Capital City Bank's strong financial performance, characterized by robust revenue growth and profitability, is the primary driver of its overall score. The technical analysis indicates some short-term bearish momentum, but the stock's valuation remains attractive with a reasonable P/E ratio and a solid dividend yield.

Positive Factors

Revenue Growth

Sustained revenue growth through net interest margin expansion and increased noninterest income indicates strong market positioning and effective business strategies, supporting long-term profitability.

Profitability

High profit margins reflect efficient cost management and strong earnings potential, ensuring the company's ability to generate sustainable profits over the long term.

Balance Sheet Health

A low debt-to-equity ratio signifies a strong balance sheet with prudent leverage management, providing financial stability and flexibility for future growth initiatives.

Negative Factors

Cash Flow Efficiency

Low cash conversion efficiency may hinder the company's ability to effectively translate earnings into cash, potentially impacting liquidity and investment capabilities.

Debt Management

While cautious debt management is prudent, a decline in total debt could limit the company's ability to leverage opportunities for growth and expansion.

Cash Flow Generation

Despite positive trends, there is a need to improve cash flow efficiency to ensure robust cash generation, which is crucial for funding operations and strategic investments.

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 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 earnings, as well as interest income from securities and investments. Additionally, CCBG earns non-interest income through service fees on accounts, transaction fees, wealth management and investment advisory services, and commissions from insurance products. The bank also engages in partnerships with local businesses and organizations to provide tailored financial solutions, further enhancing its revenue potential. Overall, CCBG's financial performance is bolstered by its focus on customer service and community engagement, leading to a loyal client base and consistent deposit growth.

Capital City Bank Financial Statement Overview

Summary

Capital City Bank demonstrates strong financial health with robust revenue growth and profitability. The balance sheet is solid with low leverage, and cash flow generation is improving. While the company shows strengths in profitability and stability, there is room for enhancing cash flow efficiency.

Income Statement

Capital City Bank shows strong profitability with a consistent increase in revenue and net income over the years. The TTM data indicates a robust gross profit margin of 86% and a net profit margin of 21.6%, reflecting efficient cost management and strong earnings potential. Revenue growth is impressive at 95.7% TTM, indicating a significant upward trajectory. EBIT and EBITDA margins are also healthy, suggesting operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.15 TTM, indicating prudent leverage management. The return on equity is solid at 11.5%, showcasing effective use of shareholder funds. The equity ratio is stable, suggesting a strong capital base. However, the slight decline in total debt over the periods indicates a cautious approach to debt management.

Cash Flow

Cash flow analysis reveals a positive trend with a 12.6% growth in free cash flow TTM, indicating improved cash generation capabilities. The operating cash flow to net income ratio is low, suggesting potential areas for improvement in cash conversion efficiency. The free cash flow to net income ratio remains strong, reflecting good cash profitability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	268.90M	262.22M	245.69M	200.56M	207.33M	211.53M
Gross Profit	231.34M	222.47M	213.90M	186.18M	205.39M	197.01M
EBITDA	82.42M	73.40M	71.94M	48.83M	57.16M	60.11M
Net Income	58.11M	52.91M	52.26M	33.41M	33.40M	31.58M
Balance Sheet
Total Assets	4.39B	4.32B	4.30B	4.52B	4.26B	3.80B
Cash, Cash Equivalents and Short-Term Investments	529.64M	496.46M	421.02M	485.41M	719.92M	392.79M
Total Debt	77.80M	81.98M	88.54M	110.19M	88.33M	135.60M
Total Liabilities	3.87B	3.83B	3.86B	4.12B	3.87B	3.46B
Stockholders Equity	526.42M	495.32M	448.03M	396.04M	394.92M	342.84M
Cash Flow
Free Cash Flow	69.77M	54.88M	47.74M	86.37M	116.98M	-58.35M
Operating Cash Flow	78.48M	63.57M	54.78M	92.69M	122.17M	-48.61M
Investing Cash Flow	-33.20M	68.35M	-68.54M	-765.83M	-453.97M	-32.59M
Financing Cash Flow	80.14M	-52.14M	-274.82M	238.43M	438.60M	631.33M

Capital City Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 42.62
• 50DMA: Positive
• 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 Positive. The current price of 42.62 is below the 20-day moving average (MA) of 43.31, above the 50-day MA of 41.39, and above the 200-day MA of 39.34, indicating a neutral trend. The MACD of 0.56 indicates Positive momentum. The RSI at 48.33 is Neutral, neither overbought nor oversold. The STOCH value of 4.42 is Positive, 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
IBCP	78 Outperform	$685.32M	10.18	14.51%	3.09%	4.29%	10.56%
CAC	78 Outperform	$754.05M	12.70	9.49%	3.66%	24.08%	9.83%
CCBG	76 Outperform	$727.47M	11.93	11.90%	2.33%	9.43%	17.64%
EQBK	70 Neutral	$870.84M	37.72	2.90%	1.34%	6.45%	8.32%
GSBC	68 Neutral	$700.67M	10.41	11.18%	2.48%	0.67%	17.88%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HBNC	58 Neutral	$894.26M	-4.45	-26.60%	3.50%	-78.64%	-913.67%

Capital City Bank Corporate Events

Capital City Bank Releases Q3 2025 Investor Presentation

Capital City Bank Group, Inc. has released its third quarter 2025 Investor Presentation on its website. The presentation materials, provided as Exhibit 99.1, are intended for informational purposes and are not filed under the Securities Exchange Act of 1934.