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Capital City Bank
(NASDAQ:CCBG)
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Rating:75Outperform
Price Target:
$59.00
â–²(14.34% Upside)
Action:Reiterated
Date:08/05/26
Overall score reflects solid financial quality (strong margins, improving leverage, steady ROE) as the main support, reinforced by strong technical momentum with price above major moving averages. Valuation is reasonable with a moderate P/E and a modest dividend yield, but the score is held back by uneven revenue visibility and the recent TTM decline in free cash flow.
Positive Factors
Sustained Profitability
Consistently strong net and operating margins indicate durable core profitability for a regional bank. High margins support internal capital formation, cushion earnings through rate or credit cycles, and sustain return on equity, underpinning long-term shareholder support and reinvestment capacity.
Negative Factors
Free Cash Flow Decline
A roughly 25% drop in trailing free cash flow erodes short-term financial flexibility. Reduced FCF constrains capacity for capital returns, loan originations, and investment in growth initiatives, and increases sensitivity to credit stress or deposit pressure over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability
Consistently strong net and operating margins indicate durable core profitability for a regional bank. High margins support internal capital formation, cushion earnings through rate or credit cycles, and sustain return on equity, underpinning long-term shareholder support and reinvestment capacity.
Read all positive factors
Capital City Bank (CCBG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$887.67M
Dividend Yield2.04%
Average Volume (3M)57.93K
Price to Earnings (P/E)14.4
Beta (1Y)0.63
Revenue Growth1.47%
EPS Growth5.67%
CountryUS
Employees902
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.53
Shares Outstanding17,113,297
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$54.00Price Target Upside4.65% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.72
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 makes money primarily through (1) net interest income and (2) noninterest (fee) income. Net interest income is generated by earning interest and fees on loans and other interest-earning assets (such as securities and interest-bearing cash) an...
Capital City Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
69
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
51.60
Price Trends
48.56
Positive
46.72
Positive
44.20
Positive
Market Momentum
1.09
Negative
63.71
Neutral
72.27
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 51.6 is above the 20-day moving average (MA) of 50.93, above the 50-day MA of 48.56, and above the 200-day MA of 44.20, indicating a bullish trend. The MACD of 1.09 indicates Negative momentum. The RSI at 63.71 is Neutral, neither overbought nor oversold. The STOCH value of 72.27 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | $852.72M | 12.00 | 12.54% | 1.29% | 3.70% | 24.24% | |
77 Outperform | $900.32M | 15.01 | 11.44% | 4.62% | 10.93% | 16.00% | |
75 Outperform | $887.67M | 14.41 | 11.11% | 2.05% | 1.47% | 5.67% | |
70 Outperform | $939.15M | 11.01 | 9.53% | 4.48% | 16.77% | 9.62% | |
70 Outperform | $874.83M | 13.30 | 10.58% | 2.17% | -8.97% | 3.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
51 Neutral | $846.25M | -22.02 | -3.36% | 0.69% | -11.49% | -24.79% |
* Financial Sector Average
CCBG
Capital City Bank
52.69
14.74
38.84%
EGBN
Eagle Bancorp
28.36
12.17
75.15%
FMNB
Farmers National Banc Oh
15.99
3.14
24.46%
FCBC
First Community Bancshares
48.96
15.23
45.13%
GSBC
Great Southern Bancorp
82.02
26.88
48.76%
SMBC
Southern Missouri Bancorp
79.33
27.02
51.65%
Capital City Bank Corporate Events
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Capital City Bank Posts Q2 2026 Investor Presentation
Neutral
Jul 27, 2026
Capital City Bank Group, Inc. announced that it has posted its second quarter 2026 investor presentation on its corporate website, making the materials publicly accessible to shareholders and market participants. The presentation, which has been f...
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...
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.