Capital City Bank (CCBG) AI Stock Analysis

• Market Cap: $637.00M
• Dividend Yield: 2.44%
• Average Volume (3M): 26.18K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.65
• Revenue Growth: 8.13%
• EPS Growth: 11.18%
• Country: US
• Employees: 940
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 3.37
• Shares Outstanding: 17,054,945
• 10 Day Avg. Volume: 23,724
• 30 Day Avg. Volume: 26,183
• PEG Ratio: 0.99
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.03
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 2.88
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $43.00
• Price Target Upside: 15.13% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

Capital City Bank's stock is rated positively due to its strong financial performance and technical momentum. The company maintains consistent revenue growth and profitability, and its stock shows strong upside technical momentum. Valuation metrics indicate a fair market price with a reasonable P/E ratio and an attractive dividend yield. These factors collectively contribute to a solid overall stock score.

Capital City Bank Business Overview & Revenue Model

Company Description

Capital City Bank Group, Inc. (CCBG) is a financial holding company headquartered in Tallahassee, Florida. It operates through its subsidiary, Capital City Bank, which provides a full range of banking services to individual and corporate clients. The company offers traditional banking products such as checking and savings accounts, personal and commercial loans, mortgage services, and wealth management solutions. With a focus on community banking, Capital City Bank serves clients primarily in Florida, Georgia, and Alabama, emphasizing personalized service and local decision-making.

How the Company Makes Money

Capital City Bank Group makes money primarily through interest income generated from its loan portfolio, which includes personal, commercial, and mortgage loans. The bank earns interest by lending money to customers at higher rates than it pays on deposits and borrowings. Additionally, the company generates non-interest income from fees and services such as transaction fees for credit and debit card usage, account maintenance fees, and wealth management services. Capital City Bank may also earn income from investment securities and partnerships that provide additional revenue streams. The company's earnings are influenced by factors like interest rate fluctuations, economic conditions, and regional banking competition.

Capital City Bank Financial Statement Overview

Summary

Capital City Bank shows strong financial performance with consistent revenue growth and robust profitability, highlighted by a high gross profit margin and improving net profit margin. The balance sheet is solid, with a favorable debt-to-equity ratio and improved return on equity, though attention is needed to manage the slightly increasing total debt. Positive trends in cash flow are evident, but volatility poses potential liquidity 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
226.50M	223.61M	212.55M	203.84M	206.66M
	Gross Profit
226.50M	220.60M	212.55M	203.84M	206.66M
	EBIT
65.57M	-3.01M	57.12M	43.23M	41.81M
	EBITDA
73.40M	-3.17M	57.85M	57.16M	60.11M
	Net Income Common Stockholders
52.91M	52.26M	33.41M	33.40M	42.65M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
496.46M	421.02M	485.41M	719.92M	392.79M
	Total Assets
4.32B	4.30B	4.53B	4.26B	3.80B
	Total Debt
55.74M	61.59M	110.19M	88.33M	135.60M
	Net Debt
-14.80M	-21.53M	38.08M	23.02M	67.68M
	Total Liabilities
3.83B	3.86B	4.13B	3.88B	3.48B
	Stockholders Equity
495.32M	448.03M	394.02M	383.17M	320.84M
Cash Flow		Free Cash Flow
54.88M	50.21M	54.24M	110.73M	-58.35M
	Operating Cash Flow
63.57M	57.25M	60.56M	115.92M	-48.61M
	Investing Cash Flow
68.35M	-71.01M	-733.70M	-447.72M	-32.59M
	Financing Cash Flow
-52.14M	-274.82M	238.43M	438.60M	631.33M

Capital City Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 37.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 37.35 is above the 20-day moving average (MA) of 35.14, above the 50-day MA of 35.58, and above the 200-day MA of 35.34, indicating a bullish trend. The MACD of 0.44 indicates Negative momentum. The RSI at 62.49 is Neutral, neither overbought nor oversold. The STOCH value of 82.41 is Negative, 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
MCB	79 Outperform	$702.60M	10.85	9.47%	―	14.53%	-2.85%
CCBG	79 Outperform	$637.00M	11.09	11.83%	2.44%	8.13%	11.18%
HBT	78 Outperform	$754.73M	10.00	14.24%	3.27%	6.98%	5.97%
HTB	74 Outperform	$621.64M	11.23	9.99%	1.30%	5.23%	-7.72%
Sector *	64 Neutral	$12.61B	9.79	7.95%	16985.69%	12.77%	-3.98%
EGBN	55 Neutral	$561.84M	―	-3.60%	4.22%	1.68%	-159.14%
MOFG	52 Neutral	$595.54M	―	-8.74%	3.39%	-27.64%	-343.61%

Capital City Bank Corporate Events

Capital City Bank Unveils Q4 2024 Investor Presentation

Capital City Bank Group, Inc. has released its fourth quarter 2024 Investor Presentation on its website, providing stakeholders with important financial data and analysis for the period. This release, which is not deemed filed under the Securities Exchange Act of 1934, offers insights into the company’s financial performance and strategic direction for the upcoming quarters.